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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

...	292	344	449	508	446
...	324	410	528	572	522
...	155	215	314	348	283
...	62.5	136	219	247	190

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

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

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)	%

...					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%

Download Data

income statement

Unit

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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

...	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	...

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	%

...	...	7.81%	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

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%

Download Data

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
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

asset quality

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

growth rates

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%

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	%

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%

Download Data

ratios

Unit

2003

2004

2005

2006

2007

2008

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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)	%

...					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%

Download Data

other data

Unit

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other data

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

Download Data

Wustenrot Hypotecni banka in Quarterly Numbers

October 16, 2019

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

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.

Wustenrot Hypotecni banka in Numbers

October 16, 2019

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,

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.

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

Comparison of 22 Banks in Czech Republic

January 24, 2019

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

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.

Comparison of 24 Banks in Czech Republic

January 24, 2019

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.

The file contains data of following banks:

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

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 Had the Most Bad Loans in 2016?

October 30, 2019

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

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.

What Banks in Czechia Had the Most Bad Loans in 2018?

October 30, 2019

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

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.

What Banks in Czechia Were the Most Cost Efficient in 2017?

October 30, 2019

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,

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.

What Banks in Czechia Were the Most Cost Efficient in 2016?

October 30, 2019

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,

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.

See all charts of the company »

WHB's mortgage loans rose 2.89% to CZK 34,754 mil in 2Q2019

WHB's net interest margin rose 3.21% to 1.22% in 2Q2019

WHB's total revenues fell 0.337% to CZK 122 mil in 2Q2019

WHB's customer deposits fell 0.638% to CZK 18,011 mil in 2Q2019

WHB's customer loans rose 3.14% to CZK 34,874 mil in 2Q2019

WHB's corporate loans rose 20.8% to CZK 541 mil in 2Q2019

WHB's retail deposits fell 0.445% to CZK 17,122 mil in 2Q2019

WHB's net profit rose 8.06% to CZK 29.1 mil in 2Q2019

WHB's corporate deposits fell 10.0% to CZK 398 mil in 2Q2019

WHB's npls (as % of loans) rose 4.99% to 3.79% in 2Q2019

WHB's employees remain unchanged at 34.0 in 2Q2019