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Wustenrot Hypotecni banka

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Wustenrot Hypotecni banka

Wüstenrot Hypoteční banka is a Czech Republic-based mortgage bank. Although Wüstenrot has been growing more than twice as fast as the overall market over the last five years, its late arrival in the mortgage business a decade ago means the bank still occupies only 2.5% of the Czech mortgage lending market. Partly because of its small size and its conservative approach, the bank is relatively little profitable with ROE in single-digit territory in the last five years. Size matters and the lack of economies of scale is also reflected in Wüstenrot’s low cost efficiency. In 2012, the bank’s operating costs accounted for over 50% of bank revenues, three times as much as the other pure mortgage bank on the Czech market - Hypoteční Banka

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Annual Quarterly

summary

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income statement

Net Interest Income	CZK mil
Total Revenues	CZK mil
Operating Profit	CZK mil
Net Profit	CZK mil

...	271	292	344	449	508
...	280	324	410	528	572
...	144	155	215	314	348
...	38.5	62.5	136	219	247

balance sheet

Interbank Loans	CZK mil
Customer Loans	CZK mil
Debt Securities	CZK mil
Total Assets	CZK mil
Shareholders' Equity	CZK mil
Interbank Borrowing	CZK mil
Customer Deposits	CZK mil
Issued Debt Securities	CZK mil

152	11.6	715	61.0	51.0
16,421	18,583	21,745	23,055	25,319
761	1,007	1,777	1,641	1,284
19,416	20,149	24,970	25,060	27,869
1,031	1,274	1,431	1,636	1,896
1,571	9.53	11.0	311	1,903
7,412	11,214	15,300	15,407	15,121
9,188	7,408	8,046	7,656	8,832

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

...					4.42%	5.42%	10.1%	14.3%	14.0%
...					0.245%	0.316%	0.603%	0.875%	0.933%
...					0.866%	0.853%	0.864%	0.855%	0.846%
...					48.6%	52.0%	47.6%	40.5%	39.2%
...					10.9%	12.6%	11.1%	12.7%	13.1%
...					1.73%	1.48%	1.52%	1.79%	1.92%
...					96.8%	90.0%	83.9%	85.0%	88.8%
...					8.59%	15.6%	14.4%	10.6%	9.62%
...					45.0%	41.0%	37.4%	36.0%	41.5%
					5.31%	6.32%	5.73%	6.53%	6.80%
...	...	...	...	...	222%	166%	142%	150%	167%
					84.6%	92.2%	87.1%	92.0%	90.9%
...	...	...			3.15%	3.81%	4.32%	4.62%	3.50%
...	...	...			33.0%	35.2%	30.4%	30.3%	39.4%

Download Data

income statement

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income statement

Interest Income	CZK mil
Interest Cost	CZK mil
Net Interest Income	CZK mil
Net Fee Income	CZK mil
Other Income	CZK mil
Total Revenues	CZK mil
Staff Cost	CZK mil
Depreciation	CZK mil
Other Cost	CZK mil
Operating Cost	CZK mil
Operating Profit	CZK mil
Provisions	CZK mil
Extra and Other Cost	CZK mil
Pre-Tax Profit	CZK mil
Tax	CZK mil
Minorities	CZK mil
Net Profit	CZK mil
Dividends	CZK mil

...	810	922	934	908	841
...	539	630	590	459	333
...	271	292	344	449	508
...	24.0	50.7	59.0	56.0	55.0
...	-15.0	-18.4	7.00	23.0	9.00
...	280	324	410	528	572
...	61.2	69.2	73.0	77.0	93.0
...	14.6	19.2	21.0	14.0	15.0
...	60.1	80.3	101	123	116
...	136	169	195	214	224
...	144	155	215	314	348
...	94.9	79.3	39.0	44.0	40.0
...	-0.094	0.015	0.000	0.000	0.000
...	49.2	76.2	176	270	308
...	10.7	13.7	40.0	51.0	61.0
...	0.000	0.000	0.000	0.000	0.000
...	38.5	62.5	136	219	247
...	0.000	0.000	0.000	0.000	0.000	...

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	...	7.06%	7.81%	17.8%	30.5%	13.1%
...	...	29.9%	111%	16.4%	-5.08%	-1.79%
...	...	18.7%	15.9%	26.5%	28.8%	8.33%
...	...	37.8%	24.2%	15.6%	9.74%	4.67%
...	...	5.01%	8.01%	38.3%	46.0%	10.8%
...	...	-45.6%	55.0%	131%	53.4%	14.1%
...	...	-48.7%	62.4%	118%	61.0%	12.8%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%

...				0.173%	0.194%	0.244%	0.314%	0.328%
...	...	...	...	0.072%	0.097%	0.223%	0.347%	0.372%
...				0.101%	0.105%	0.098%	0.087%	0.080%

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balance sheet

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balance sheet

Cash	CZK mil
Interbank Loans	CZK mil
Customer Loans	CZK mil
Retail Loans	CZK mil
Mortgage Loans	CZK mil
Consumer Loans	CZK mil
Corporate Loans	CZK mil
Debt Securities	CZK mil
Fixed Assets	CZK mil
Total Assets	CZK mil
Shareholders' Equity	CZK mil
Of Which Minority Interest	CZK mil
Liabilities	CZK mil
Interbank Borrowing	CZK mil
Customer Deposits	CZK mil
Retail Deposits	CZK mil
Corporate Deposits	CZK mil
Issued Debt Securities	CZK mil
Other Liabilities	CZK mil

								1,911	435	697	260	1,163
								152	11.6	715	61.0	51.0
								16,421	18,583	21,745	23,055	25,319
								15,967	17,613	19,635	20,916	25,319
								15,967	17,613	19,635	20,916	25,319
								0.000	0.000	0.000	0.000	0.000
								0.000	0.000	0.000	0.000	0.000
								761	1,007	1,777	1,641	1,284
								18.1	16.2	29.0	34.0	37.0
								19,416	20,149	24,970	25,060	27,869
								1,031	1,274	1,431	1,636	1,896
								0.000	0.000	0.000	0.000	0.000
								18,385	18,875	23,539	23,424	25,973
								1,571	9.53	11.0	311	1,903
								7,412	11,214	15,300	15,407	15,121
...	...	...	...	...	...	...	...	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...	...	...	...	...	...
								9,188	7,408	8,046	7,656	8,832
								213	243	182	50.0	117

asset quality

Non-Performing Loans	CZK mil
Gross Loans	CZK mil
Total Provisions	CZK mil

...	...	...	523	718	953	1,081	898
			16,594	18,835	22,035	23,383	25,673
...	...	...	173	252	290	328	354

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%

...						45.8%	13.2%	17.0%	6.02%	9.82%
...	...					47.0%	10.3%	11.5%	6.52%	21.1%
...	...					47.0%	10.3%	11.5%	6.52%	21.1%
...						62.5%	3.77%	23.9%	0.360%	11.2%
...						45.2%	23.5%	12.3%	14.3%	15.9%
...	...	...	...	...	...	231%	51.3%	36.4%	0.699%	-1.86%

market share

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

								0.748%	0.826%	0.874%	0.885%	0.910%
								0.000%	0.000%	0.000%	0.000%	0.000%
								0.000%	0.000%	0.000%	0.000%	0.000%
								1.46%	1.56%	1.66%	1.70%	1.92%
								2.07%	2.17%	2.30%	2.32%	2.61%
								0.434%	0.435%	0.486%	0.472%	0.502%
								0.275%	0.397%	0.501%	0.449%	0.429%
...	...	...	...	...	...	...	...	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...	...	...	...	...	...

Download Data

ratios

Unit

2003

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ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Payout Ratio	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	CZK per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

...					4.42%	5.42%	10.1%	14.3%	14.0%
...					0.245%	0.316%	0.603%	0.875%	0.933%
...					0.866%	0.853%	0.864%	0.855%	0.846%
...					48.6%	52.0%	47.6%	40.5%	39.2%
...					10.9%	12.6%	11.1%	12.7%	13.1%
...					10.9%	12.6%	11.1%	12.7%	13.1%
...					1.73%	1.48%	1.52%	1.79%	1.92%
...					1.52%	1.28%	1.36%	1.68%	1.83%
...					5.16%	4.66%	4.14%	3.63%	3.18%
...					3.64%	3.38%	2.78%	1.95%	1.35%
...					0.000%	0.000%	0.000%	0.000%	0.000%	...
...					96.8%	90.0%	83.9%	85.0%	88.8%
...					8.59%	15.6%	14.4%	10.6%	9.62%
...					-5.36%	-5.68%	1.71%	4.36%	1.57%
...					7,209	7,016	7,969	8,578	10,982
...					127,496	137,242	155,920	183,333	234,705
...					45.0%	41.0%	37.4%	36.0%	41.5%
					5.31%	6.32%	5.73%	6.53%	6.80%
...	...	...	...	...	222%	166%	142%	150%	167%
					84.6%	92.2%	87.1%	92.0%	90.9%
...	...	...			3.15%	3.81%	4.32%	4.62%	3.50%
...	...	...			33.0%	35.2%	30.4%	30.3%	39.4%
...	...	...			1.05%	1.36%	1.33%	1.42%	1.40%
...					0.686%	0.453%	0.193%	0.196%	0.165%

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other data

Unit

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other data

Employees
Number Of New Mortgages Provided
Volume Of New Mortgages Sold	CZK mil
Average Size Of A New Mortgage	CZK '000

...	40.0	42.0	39.0	35.0	33.0
	5,068	3,485	4,643	3,922	4,568
	7,134	4,376	5,755	5,019	6,633
	1,408	1,256	1,240	1,280	1,452

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Comparison of 24 Banks in Czech Republic

October 1, 2018

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Wustenrot Hypotecni banka in Numbers

September 30, 2018

This Annual statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between 2003 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

This Annual statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between 2003 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track WHB's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Czech Banking - Analysis of 3Q2014

January 11, 2015

This report analyses the main trends in the Czech banking with a special focus on the 3Q2014's performance. In the 108-page report, you will find all the necessary details regarding profitability of the sector, breakdown and trends of the volume growth, market share, margin and asset quality development in the sector and within the particular segments of the market.

In addition, you will find here financials and market share of the 20 banks we cover in the Czech Republic including all key ratios describing their business. The report includes 446 charts and 40 tables.

The key points are:

Czech commercial banks announced a net profit of CZK 14,387 mil in the third quarter of the year, up 3.5% compared to the same period last year. In the first nine months of the year, however, the banks' profit dropped 0.8% yoy to CZK 50,258 mil. This implies an annualised ROE of 11.6% for the last 12 months.
Loans grew 0.6% qoq (or 5.2% yoy) in the third quarter. Mortgages still drive the volume growth (creating 90% of the loan growth in the 3rd quarter and 57% ytd) while corporate loans and consumer lending stagnate.
The weak momentum is especially disappointing as the economy picks up. Banks are overcapitalized (CAR at 18%) and have plenty of cheap deposits to play with (with loans accounting for 76% of deposits only).
In addition, asset quality remains of little concern. Non-performing loans account for 6.2% of total loans while half of them are covered by loan provisions.
The trio of the largest banks (Sporitelna, CSOB and Komercni Banka) created 70% of the quarterly profit and 66% of loan growth in the third quarter of the year. Despite losing market share in revenue or overall assets, their market dominance continues. On the other hand, small players finally seem to be challenging the "boring" status quo.

You might also find all banks' financials in the Company section at www.helgilibrary.com/companies, and key charts for each bank at www.helgilibrary.com/charts.

The report is free to download, just register at our webpage.

Wüstenrot Hypotecni Banka at a Glance

February 3, 2014

This report offers a summary of the company's performance in 1997-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector

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What Banks in Czechia Were the Most Cost Efficient in 3Q2017?

November 16, 2018

Based on a comparison of 21 banks in the Czech Republic in 3Q2017, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 19.6% in 3Q2017,

Based on a comparison of 21 banks in the Czech Republic in 3Q2017, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 19.6% in 3Q2017, down from 19.7% when compared to the previous quarter and up from 17.4% when compared to the same period of last year. Historically, the bank’s costs reached an all time high of 77.0% in 4Q2002 and an all time low of -93.3% in 4Q2000.

When compared to total assets, bank's cost amounted to 1.39% in 3Q2017, down from 0.347% a year earlier.

When compared to the nearest peers, PPF Banka operated in 3Q2017 with a cost to income ratio of 24.5%, Stavebni Sporitelna Ceske Sporitelny reached 24.7% and Raiffeisenbank Czech Republic some 40.9%.

The average cost to income ratio reached 46.7% in the Czech banking sector in 3Q2017.

You can see all the banks cost efficiency data at Costs (As % Of Income) indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Were the Most Cost Efficient in 2Q2017?

November 16, 2018

Based on a comparison of 21 banks in the Czech Republic in 2Q2017, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 19.7% in 2Q2017,

Based on a comparison of 21 banks in the Czech Republic in 2Q2017, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 19.7% in 2Q2017, down from 27.9% when compared to the previous quarter and up from 18.1% when compared to the same period of last year. Historically, the bank’s costs reached an all time high of 77.0% in 4Q2002 and an all time low of -93.3% in 4Q2000.

When compared to total assets, bank's cost amounted to 1.39% in 2Q2017, down from 0.375% a year earlier.

When compared to the nearest peers, PPF Banka operated in 2Q2017 with a cost to income ratio of 21.4%, Stavebni Sporitelna Ceske Sporitelny reached 37.8% and UniCredit Czech Republic some 38.5%.

The average cost to income ratio reached 40.7% in the Czech banking sector in 2Q2017.

You can see all the banks cost efficiency data at Costs (As % Of Income) indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Had the Most Bad Loans in 2Q2017?

November 16, 2018

Based on a comparison of 21 banks in the Czech Republic in 2Q2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 25.0% of total

Based on a comparison of 21 banks in the Czech Republic in 2Q2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 25.0% of total loans at the end of 2Q2017, up from 24.4% when compared to the previous quarter and down from 29.6% when compared to the same period of last year. Historically, the NPL ratio hit an all time high of 40.2% in 1Q2015 and an all time low of 0.204% in 3Q2007.

Provision coverage amounted to 16.3% at the end of 2Q2017, down from 18.5% compared to a year earlier.

When compared to the nearest peers, PPF Banka operated at the end of 2Q2017 with NPL ratio of 16.3% and provision coverage of 19.9%, Banka Creditas with 11.9% and 22.9% and Fio banka had 6.26% of bad loans covered with 34.0% by provisions at the end of 2Q2017.

Non-performing loans of the whole Czechia’s banking sector amounted to 4.04% of total loans in 2Q2017, down from 4.99% when compared to the last year.

You can see all the banks non-performing loans data at NPLs (As % Of Loans) indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Were the Largest Mortgage Lenders in 4Q2017?

November 16, 2018

Based on a comparison of 14 banks in the Czech Republic in 4Q2017, CSOB was the largest mortgage lender, followed by Ceska Sporitelna and Komercni Banka.

CSOB's mortgage loans reached CZK 282,400 mil, up 1.91% when compared to

Based on a comparison of 14 banks in the Czech Republic in 4Q2017, CSOB was the largest mortgage lender, followed by Ceska Sporitelna and Komercni Banka.

CSOB's mortgage loans reached CZK 282,400 mil, up 1.91% when compared to the previous quarter and up 10.0% when compared to the same period of last year. Historically, the bank’s mortgage loans reached an all time high of CZK 282,400 mil in 4Q2017 and an all time low of CZK 36,650 mil in 3Q2005.

At the end of 4Q2017, mortgage loans represented 41.9% of CSOB's loan book.

When compared to the nearest peers, Ceska Sporitelna's mortgage loans amounted to CZK 233,400 mil at the end of 4Q2017, Komercni Banka operated with CZK 218,900 mil mortgage loans and Ceskomoravska Stavebni Sporitelna had a mortgage loan book of CZK 115,310 mil at the end of 4Q2017.

Czech banking sector provided mortgage loans of CZK 1,148 bil in 4Q2017, up 9.00% when compared to the last year. As a result, the top ranked company - CSOB accounted for 24.6% of the sector’s mortgage loans in 4Q2017. The top 3 companies hold a 64.0% share while the five largest firms some 77.6% in 4Q2017.

You can see all the banks mortgage loans data at Mortgage Loans indicator page or you can download a report on the Czech banks in the report section.

See all charts of the company »

WHB's net profit rose 26.9% to CZK 62.4 mil in 4Q2017

WHB's net interest margin rose 13.5% to 1.42% in 4Q2017

WHB's capital adequacy ratio fell 2.41% to 14.8% in 4Q2017

WHB's costs (as % of assets) fell 6.64% to 0.657% in 4Q2017

WHB's net interest income rose 13.5% to CZK 115 mil in 4Q2017

WHB's corporate loans rose 2.29% to CZK 260 mil in 4Q2017

WHB's corporate loans remain unchanged at CZK 260 mil in 2017

WHB's mortgage loans rose 7.41% to CZK 29,209 mil in 2017