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
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summary | Unit |
2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
Net Interest Income | CZK mil |
Total Revenues | CZK mil |
Operating Profit | CZK mil |
Net Profit | CZK mil |
... | 292 | 344 | 449 | 508 | 446 | ||||||||||
... | 324 | 410 | 528 | 572 | 522 | ||||||||||
... | 155 | 215 | 314 | 348 | 283 | ||||||||||
... | 62.5 | 136 | 219 | 247 | 190 |
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 |
11.6 | 715 | 61.0 | 51.0 | 47.0 | |||||||||||
18,583 | 21,745 | 23,055 | 25,319 | 27,193 | |||||||||||
1,007 | 1,777 | 1,641 | 1,284 | 1,560 | |||||||||||
20,149 | 24,970 | 25,060 | 27,869 | 30,191 | |||||||||||
1,274 | 1,431 | 1,636 | 1,896 | 2,076 | |||||||||||
9.53 | 11.0 | 311 | 1,903 | 501 | |||||||||||
11,214 | 15,300 | 15,407 | 15,121 | 15,967 | |||||||||||
7,408 | 8,046 | 7,656 | 8,832 | 11,550 |
... | 5.42% | 10.1% | 14.3% | 14.0% | 9.57% | ||||||||||
... | 0.316% | 0.603% | 0.875% | 0.933% | 0.654% | ||||||||||
... | 0.853% | 0.864% | 0.855% | 0.846% | 0.823% | ||||||||||
... | 52.0% | 47.6% | 40.5% | 39.2% | 45.8% | ||||||||||
... | 12.6% | 11.1% | 12.7% | 13.1% | 15.5% | ||||||||||
... | 1.48% | 1.52% | 1.79% | 1.92% | 1.54% | ||||||||||
... | 90.0% | 83.9% | 85.0% | 88.8% | 85.4% | ||||||||||
... | 15.6% | 14.4% | 10.6% | 9.62% | 8.62% | ||||||||||
... | 41.0% | 37.4% | 36.0% | 41.5% | 7.95% | ||||||||||
6.32% | 5.73% | 6.53% | 6.80% | 6.88% | |||||||||||
... | ... | ... | ... | ... | 166% | 142% | 150% | 167% | 170% | ||||||
92.2% | 87.1% | 92.0% | 90.9% | 90.1% | |||||||||||
... | ... | ... | 3.81% | 4.32% | 4.62% | 3.50% | 3.77% | ||||||||
... | ... | ... | 35.2% | 30.4% | 30.3% | 39.4% | 37.6% |
income statement | Unit |
2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
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 |
... | 922 | 934 | 908 | 841 | 760 | ||||||||||
... | 630 | 590 | 459 | 333 | 314 | ||||||||||
... | 292 | 344 | 449 | 508 | 446 | ||||||||||
... | 50.7 | 59.0 | 56.0 | 55.0 | 45.0 | ||||||||||
... | -18.4 | 7.00 | 23.0 | 9.00 | 31.0 | ||||||||||
... | 324 | 410 | 528 | 572 | 522 | ||||||||||
... | 69.2 | 73.0 | 77.0 | 93.0 | 19.0 | ||||||||||
... | 19.2 | 21.0 | 14.0 | 15.0 | 14.0 | ||||||||||
... | 80.3 | 101 | 123 | 116 | 206 | ||||||||||
... | 169 | 195 | 214 | 224 | 239 | ||||||||||
... | 155 | 215 | 314 | 348 | 283 | ||||||||||
... | 79.3 | 39.0 | 44.0 | 40.0 | 47.0 | ||||||||||
... | 0.015 | 0 | 0 | 0 | 0 | ||||||||||
... | 76.2 | 176 | 270 | 308 | 236 | ||||||||||
... | 13.7 | 40.0 | 51.0 | 61.0 | 46.0 | ||||||||||
... | 0 | 0 | 0 | 0 | 0 | ||||||||||
... | 62.5 | 136 | 219 | 247 | 190 | ||||||||||
... | 0 | 0 | 0 | 0 | 95.0 | ... |
Net Interest Income Growth | % |
Net Fee Income Growth | % |
Total Revenue Growth | % |
Operating Cost Growth | % |
Operating Profit Growth | % |
Pre-Tax Profit Growth | % |
Net Profit Growth | % |
... | ... | 7.81% | 17.8% | 30.5% | 13.1% | -12.2% | |||||||||
... | ... | 111% | 16.4% | -5.08% | -1.79% | -18.2% | |||||||||
... | ... | 15.9% | 26.5% | 28.8% | 8.33% | -8.74% | |||||||||
... | ... | 24.2% | 15.6% | 9.74% | 4.67% | 6.70% | |||||||||
... | ... | 8.01% | 38.3% | 46.0% | 10.8% | -18.7% | |||||||||
... | ... | 55.0% | 131% | 53.4% | 14.1% | -23.4% | |||||||||
... | ... | 62.4% | 118% | 61.0% | 12.8% | -23.1% |
Market Share in Revenues | % |
Market Share in Net Profit | % |
Market Share in Employees | % |
Market Share in Branches | % |
... | 0.194% | 0.244% | 0.314% | 0.328% | 0.290% | ||||||||||
... | ... | ... | ... | 0.097% | 0.223% | 0.347% | 0.372% | 0.258% | |||||||
... | 0.104% | 0.097% | 0.087% | 0.080% | 0.098% | ||||||||||
... | 0.048% | 0.045% | 0.045% | 0.046% | 0.049% |
balance sheet | Unit |
2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
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 |
Issued Debt Securities | CZK mil |
Other Liabilities | CZK mil |
435 | 697 | 260 | 1,163 | 1,357 | |||||||||||
11.6 | 715 | 61.0 | 51.0 | 47.0 | |||||||||||
18,583 | 21,745 | 23,055 | 25,319 | 27,193 | |||||||||||
17,613 | 19,635 | 20,916 | 25,319 | 27,193 | |||||||||||
17,613 | 19,635 | 20,916 | 25,319 | 27,193 | |||||||||||
0 | 0 | 0 | 0 | 0 | |||||||||||
0 | 0 | 0 | 0 | 0 | |||||||||||
1,007 | 1,777 | 1,641 | 1,284 | 1,560 | |||||||||||
16.2 | 29.0 | 34.0 | 37.0 | 35.0 | ... | ||||||||||
20,149 | 24,970 | 25,060 | 27,869 | 30,191 | |||||||||||
1,274 | 1,431 | 1,636 | 1,896 | 2,076 | |||||||||||
0 | 0 | 0 | 0 | 0 | |||||||||||
18,875 | 23,539 | 23,424 | 25,973 | 28,115 | |||||||||||
9.53 | 11.0 | 311 | 1,903 | 501 | |||||||||||
11,214 | 15,300 | 15,407 | 15,121 | 15,967 | |||||||||||
7,408 | 8,046 | 7,656 | 8,832 | 11,550 | |||||||||||
243 | 182 | 50.0 | 117 | 97.0 |
Non-Performing Loans | CZK mil |
Gross Loans | CZK mil |
Total Provisions | CZK mil |
... | ... | ... | 718 | 953 | 1,081 | 898 | 1,041 | ||||||||
18,835 | 22,035 | 23,383 | 25,673 | 27,584 | |||||||||||
... | ... | ... | 252 | 290 | 328 | 354 | 391 |
Customer Loan Growth | % |
Retail Loan Growth | % |
Mortgage Loan Growth | % |
Total Asset Growth | % |
Shareholders' Equity Growth | % |
Customer Deposit Growth | % |
... | 13.2% | 17.0% | 6.02% | 9.82% | 7.40% | ||||||||||
... | ... | 10.3% | 11.5% | 6.52% | 21.1% | 7.40% | |||||||||
... | ... | 10.3% | 11.5% | 6.52% | 21.1% | 7.40% | |||||||||
... | 3.77% | 23.9% | 0.360% | 11.2% | 8.33% | ||||||||||
... | 23.5% | 12.3% | 14.3% | 15.9% | 9.49% | ||||||||||
... | ... | ... | ... | ... | ... | 51.3% | 36.4% | 0.699% | -1.86% | 5.59% |
0.787% | 0.865% | 0.875% | 0.910% | 0.922% | |||||||||||
0% | 0% | 0% | 0% | 0% | |||||||||||
0% | 0% | 0% | 0% | 0% | |||||||||||
1.55% | 1.66% | 1.70% | 1.91% | 1.92% | |||||||||||
2.17% | 2.30% | 2.32% | 2.61% | 2.58% | |||||||||||
0.435% | 0.480% | 0.465% | 0.502% | 0.502% | |||||||||||
0.359% | 0.458% | 0.449% | 0.429% | 0.424% |
ratios | Unit |
2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
... | 5.42% | 10.1% | 14.3% | 14.0% | 9.57% | ||||||||||
... | 0.316% | 0.603% | 0.875% | 0.933% | 0.654% | ||||||||||
... | 0.853% | 0.864% | 0.855% | 0.846% | 0.823% | ||||||||||
... | 52.0% | 47.6% | 40.5% | 39.2% | 45.8% | ||||||||||
... | 12.6% | 11.1% | 12.7% | 13.1% | 15.5% | ||||||||||
... | 12.6% | 11.1% | 12.7% | 13.1% | 15.5% | ||||||||||
... | 1.48% | 1.52% | 1.79% | 1.92% | 1.54% | ||||||||||
... | 1.28% | 1.36% | 1.68% | 1.83% | 1.46% | ||||||||||
... | 4.66% | 4.14% | 3.63% | 3.18% | 2.62% | ||||||||||
... | 3.38% | 2.78% | 1.95% | 1.35% | 1.16% | ||||||||||
... | 0% | 0% | 0% | 0% | 50.0% | ... | |||||||||
... | 90.0% | 83.9% | 85.0% | 88.8% | 85.4% | ||||||||||
... | 15.6% | 14.4% | 10.6% | 9.62% | 8.62% | ||||||||||
... | -5.68% | 1.71% | 4.36% | 1.57% | 5.94% | ||||||||||
... | 7,016 | 7,969 | 8,578 | 9,833 | 1,569 | ||||||||||
... | 137,242 | 155,920 | 183,333 | 234,705 | 39,583 | ||||||||||
... | 41.0% | 37.4% | 36.0% | 41.5% | 7.95% | ||||||||||
6.32% | 5.73% | 6.53% | 6.80% | 6.88% | |||||||||||
... | ... | ... | ... | ... | 166% | 142% | 150% | 167% | 170% | ||||||
92.2% | 87.1% | 92.0% | 90.9% | 90.1% | |||||||||||
... | ... | ... | 3.81% | 4.32% | 4.62% | 3.50% | 3.77% | ||||||||
... | ... | ... | 35.2% | 30.4% | 30.3% | 39.4% | 37.6% | ||||||||
... | ... | ... | 1.36% | 1.33% | 1.42% | 1.40% | 1.44% | ||||||||
... | 0.453% | 0.193% | 0.196% | 0.165% | 0.179% |
other data | Unit |
2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
Branches | |
Employees | |
Number Of New Mortgages Provided | |
Volume Of New Mortgages Sold | CZK mil |
Average Size Of A New Mortgage | CZK '000 |
... | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ||||||||||
... | 42.0 | 39.0 | 35.0 | 33.0 | 40.0 | ||||||||||
3,485 | 4,643 | 3,922 | 4,568 | 4,226 | |||||||||||
4,376 | 5,755 | 5,019 | 6,633 | 6,994 | |||||||||||
1,256 | 1,240 | 1,280 | 1,452 | 1,655 |
This Quarterly statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between Jun 03 and Jun 19 on an quarterly 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
Read more »This Quarterly statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between Jun 03 and Jun 19 on an quarterly 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.
This Annual statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between 2003 and 2018 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,
Read more »This Annual statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between 2003 and 2018 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.
This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly 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
Read more »This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly 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.
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
Read more »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.
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
Read more »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:
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 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
Read more »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.
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
Based on a comparison of 22 banks in the Czech Republic in 2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by Banka Creditas and J&T Banka.
Moravsky Penezni Ustav's non-performing loans reached 24.4% of total
Read more »Based on a comparison of 22 banks in the Czech Republic in 2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by Banka Creditas and J&T Banka.
Moravsky Penezni Ustav's non-performing loans reached 24.4% of total loans at the end of 2016, down from 39.4% when compared to the previous year. Historically, the NPL ratio hit an all time high of 39.4% in 2015 and an all time low of 2.23% in 2008.
Provision coverage amounted to 11.9% at the end of 2016, down from 13.3% compared to a year earlier.
Comparing Moravsky Penezni Ustav with its closest peers, Banka Creditas operated at the end of 2016 with NPL ratio of 11.9% and provision coverage of 30.5%, J&T Banka with 10.0% and 34.2% and Fio banka had 9.94% of bad loans covered with 15.5% by provisions at the end of 2016.
Non-performing loans of the whole Czechia’s banking sector amounted to 4.59% of total loans in 2016, down from 5.48% when compared to the last year.
You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Czech banks in the report section.
Based on a comparison of 22 banks in the Czech Republic in 2018, PPF Banka had the highest share of bad loans, followed by Banka Creditas and Wustenrot Stavebni Sporitelna.
PPF Banka's non-performing loans reached 12.9% of total loans at
Read more »Based on a comparison of 22 banks in the Czech Republic in 2018, PPF Banka had the highest share of bad loans, followed by Banka Creditas and Wustenrot Stavebni Sporitelna.
PPF Banka's non-performing loans reached 12.9% of total loans at the end of 2018, up from 10.4% when compared to the previous year. Historically, the NPL ratio hit an all time high of 12.9% in 2018 and an all time low of 0.310% in 2006.
Provision coverage amounted to 9.28% at the end of 2018, down from 9.76% compared to a year earlier.
Comparing PPF Banka with its closest peers, Banka Creditas operated at the end of 2018 with NPL ratio of 9.28% and provision coverage of 21.9%, Wustenrot Stavebni Sporitelna with 7.91% and 70.3% and Expobank Czech Republic had 5.96% of bad loans covered with 56.2% by provisions at the end of 2018.
Non-performing loans of the whole Czechia’s banking sector amounted to 3.25% of total loans in 2018, down from 3.74% when compared to the last year.
You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Czech banks in the report section.
Based on a comparison of 22 banks in the Czech Republic in 2017, 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 22.1% in 2017,
Read more »Based on a comparison of 22 banks in the Czech Republic in 2017, 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 22.1% in 2017, down from 21.1% when compared to the last year. Historically, the bank’s costs reached an all time high of 1,607% in 1997 and an all time low of 15.5% in 2011.
When compared to total assets, bank's cost amounted to 1.39% in 2017, down from 0.429% a year earlier.
Comparing Hypotecni Banka with its closest peers, PPF Banka operated in 2017 with a cost to income ratio of 31.4%, Stavebni Sporitelna Ceske Sporitelny reached 37.2% and J&T Banka some 40.8%.
The average cost to income ratio reached 45.2% in the Czech banking sector in 2017.
You can see all the banks cost efficiency data on the Costs (As % Of Income) indicator page or you can download a report on the Czech banks in the report section.
Based on a comparison of 22 banks in the Czech Republic in 2016, 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 21.1% in 2016,
Read more »Based on a comparison of 22 banks in the Czech Republic in 2016, 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 21.1% in 2016, up from 17.5% when compared to the last year. Historically, the bank’s costs reached an all time high of 1,607% in 1997 and an all time low of 15.5% in 2011.
When compared to total assets, bank's cost amounted to 1.39% in 2016, up from 0.381% a year earlier.
Comparing Hypotecni Banka with its closest peers, PPF Banka operated in 2016 with a cost to income ratio of 33.3%, Stavebni Sporitelna Ceske Sporitelny reached 35.0% and Expobank Czech Republic some 35.3%.
The average cost to income ratio reached 43.7% in the Czech banking sector in 2016.
You can see all the banks cost efficiency data on the Costs (As % Of Income) indicator page or you can download a report on the Czech banks in the report section.