By Helgi Library - May 22, 2018
FHB Bank's mortgage loans reached HUF 259,601 mil in 2017, up 16.3% compared to the previous year. Hungarian banking sector pro...
By Helgi Library - May 22, 2018
FHB Bank's mortgage loans reached HUF 259,601 mil in 2017, up 16.3% compared to the previous year. Hungarian banking sector pro...
By Helgi Library - May 20, 2018
FHB Bank's non-performing loans reached 23.5% of total loans at the end of 2017, down from 26.8% compared to the previous year. ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | HUF mil | 14,628 | 11,756 | 12,845 |
| Net Fee Income | HUF mil | 7,018 | 6,067 | 5,575 |
| Other Income | HUF mil | 263 | 4,539 | 2,113 |
| Total Revenues | HUF mil | 21,909 | 22,362 | 20,533 |
| Staff Cost | HUF mil | 6,680 | 7,031 | 7,270 |
| Operating Profit | HUF mil | 3,145 | 4,563 | 2,750 |
| Provisions | HUF mil | 26,557 | 23,853 | 16,592 |
| Net Profit | HUF mil | -8,304 | -11,048 | -3,949 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | HUF mil | 210,957 | 130,924 | 81,962 |
| Customer Loans | HUF mil | 371,088 | 325,896 | 387,229 |
| Total Assets | HUF mil | 744,820 | 593,404 | 610,577 |
| Shareholders' Equity | HUF mil | 108,532 | 57,602 | 50,332 |
| Interbank Borrowing | HUF mil | 39,774 | 47,229 | 33,983 |
| Customer Deposits | HUF mil | 329,048 | 297,072 | 329,253 |
| Issued Debt Securities | HUF mil | 257,301 | 170,283 | 176,947 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | -8.45 | -13.3 | -7.32 |
| ROA | % | -1.10 | -1.65 | -0.656 |
| Costs (As % Of Assets) | % | 2.48 | 2.66 | 2.95 |
| Costs (As % Of Income) | % | 85.6 | 79.6 | 86.6 |
| Capital Adequacy Ratio | % | 20.1 | ... | ... |
| Net Interest Margin | % | 1.93 | 1.76 | 2.13 |
| Loans (As % Of Deposits) | % | 113 | 110 | 118 |
| NPLs (As % Of Loans) | % | 21.8 | 26.8 | 23.5 |
| Provisions (As % Of NPLs) | % | 38.7 | 25.5 | 17.5 |
| Valuation | 2015 | 2016 | 2017 | |
| Price/Earnings (P/E) | ... | ... | ... | |
| Price/Book Value (P/BV) | 0.424 | 0.567 | 0.972 | |
| Dividend Yield | % | 0 | 0 | 0 |
| Earnings Per Share (EPS) | -126 | -167 | -59.8 | |
| Book Value Per Share | 1,648 | 873 | 763 | |
| Dividend Per Share | 0 | 0 | 0 | |
Get all company financials in excel:
| summary | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||||
| Net Interest Income | HUF mil | ... | ... | ... | 21,498 | 18,546 | 18,711 | 20,642 | 14,628 | |||||||||||
| Total Revenues | HUF mil | ... | ... | ... | 31,459 | 23,236 | 26,704 | 34,122 | 21,909 | |||||||||||
| Operating Profit | HUF mil | ... | ... | ... | 12,628 | 6,343 | 8,533 | 17,523 | 3,145 | |||||||||||
| Net Profit | HUF mil | ... | ... | ... | -5,618 | -4,464 | -4,664 | -14,880 | -8,304 | |||||||||||
| balance sheet | ||||||||||||||||||||
| Interbank Loans | HUF mil | ... | ... | ... | 65,046 | 33,981 | 32,739 | 177,680 | 210,957 | |||||||||||
| Customer Loans | HUF mil | ... | ... | ... | 608,117 | 499,573 | 320,071 | 435,285 | 371,088 | |||||||||||
| Debt Securities | HUF mil | ... | ... | ... | 90,418 | 171,007 | 203,560 | 112,520 | 126,839 | |||||||||||
| Total Assets | HUF mil | ... | ... | ... | 816,114 | 752,625 | 737,514 | 769,437 | 744,820 | |||||||||||
| Shareholders' Equity | HUF mil | ... | ... | ... | 53,382 | 77,541 | 76,072 | 88,048 | 108,532 | |||||||||||
| Interbank Borrowing | HUF mil | ... | ... | ... | 20,992 | 110,597 | 116,847 | 43,036 | 39,774 | |||||||||||
| Customer Deposits | HUF mil | ... | ... | ... | 223,799 | 152,206 | 222,501 | 298,762 | 329,048 | |||||||||||
| Issued Debt Securities | HUF mil | ... | ... | ... | 499,034 | 394,063 | 314,968 | 310,353 | 257,301 | |||||||||||
| ratios | ||||||||||||||||||||
| ROE | % | ... | ... | ... | -10.0 | -6.82 | -6.07 | -18.1 | -8.45 | |||||||||||
| ROA | % | ... | ... | ... | -0.665 | -0.569 | -0.626 | -1.97 | -1.10 | |||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | 2.23 | 2.15 | 2.44 | 2.20 | 2.48 | |||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | 59.9 | 72.7 | 68.0 | 48.6 | 85.6 | |||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 10.4 | 15.5 | 13.8 | 17.8 | 20.1 | ... | ... | |||||||||
| Net Interest Margin | % | ... | ... | ... | 2.54 | 2.36 | 2.51 | 2.74 | 1.93 | |||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 68.3 | 79.8 | 70.1 | 60.5 | 66.8 | |||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 8.62 | 11.2 | 16.2 | 15.7 | 32.0 | |||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 36.0 | 34.3 | 31.7 | 38.1 | 35.6 | |||||||||||
| Equity (As % Of Assets) | % | ... | ... | ... | 6.54 | 10.3 | 10.3 | 11.4 | 14.6 | |||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | ... | 272 | 328 | 144 | 146 | 113 | |||||||
| Loans (As % Assets) | % | ... | ... | ... | 74.5 | 66.4 | 43.4 | 56.6 | 49.8 | |||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 9.21 | 13.6 | 21.4 | 26.7 | 21.8 | |||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 65.5 | 51.2 | 49.5 | 40.5 | 38.7 | |||||||||||
| valuation | ||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | 126 | 112 | 189 | 163 | 161 | ||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | 65.9 | 63.4 | 65.9 | 65.8 | 65.9 | |||||||||||
| Share Price (End Of Period) | PLN | ... | ... | ... | ... | 465 | 390 | 617 | 648 | 699 | ||||||||||
| Earnings Per Share (EPS) | ... | ... | ... | -85.2 | -70.5 | -70.7 | -226 | -126 | ||||||||||||
| Book Value Per Share | ... | ... | ... | 809 | 1,176 | 1,154 | 1,338 | 1,648 | ||||||||||||
| Dividend Per Share | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | 0.574 | 0.332 | 0.535 | 0.484 | 0.424 | |||||||||||
| Dividend Yield | % | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | -151 | -17.3 | 0.389 | 220 | -44.3 | ||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | -9.58 | 45.3 | -1.89 | 16.0 | 23.1 |
| income statement | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||||
| Interest Income | HUF mil | ... | ... | ... | 78,433 | 76,670 | 66,175 | 55,100 | 41,159 | |||||||||||
| Interest Cost | HUF mil | ... | ... | ... | 56,935 | 58,124 | 47,464 | 34,458 | 26,531 | |||||||||||
| Net Interest Income | HUF mil | ... | ... | ... | 21,498 | 18,546 | 18,711 | 20,642 | 14,628 | |||||||||||
| Net Fee Income | HUF mil | ... | ... | ... | 2,713 | 2,592 | 4,326 | 5,353 | 7,018 | |||||||||||
| Other Income | HUF mil | ... | ... | ... | 7,248 | 2,098 | 3,667 | 8,127 | 263 | |||||||||||
| Total Revenues | HUF mil | ... | ... | ... | 31,459 | 23,236 | 26,704 | 34,122 | 21,909 | |||||||||||
| Staff Cost | HUF mil | ... | ... | ... | 6,781 | 5,795 | 5,752 | 6,332 | 6,680 | |||||||||||
| Depreciation | HUF mil | ... | ... | ... | 2,274 | 2,497 | 2,533 | 2,452 | 1,710 | |||||||||||
| Other Cost | HUF mil | ... | ... | ... | 9,776 | 8,601 | 9,886 | 7,815 | 10,374 | |||||||||||
| Operating Cost | HUF mil | ... | ... | ... | 18,831 | 16,893 | 18,171 | 16,599 | 18,764 | |||||||||||
| Operating Profit | HUF mil | ... | ... | ... | 12,628 | 6,343 | 8,533 | 17,523 | 3,145 | |||||||||||
| Provisions | HUF mil | ... | ... | ... | 39,033 | 37,348 | 37,933 | 38,669 | 26,557 | |||||||||||
| Extra and Other Cost | HUF mil | ... | ... | ... | -2.00 | 2.00 | 6,777 | 6,544 | 9,830 | |||||||||||
| Pre-Tax Profit | HUF mil | ... | ... | ... | -7,314 | -3,415 | -5,033 | -17,311 | -7,711 | |||||||||||
| Tax | HUF mil | ... | ... | ... | -1,696 | 1,050 | -369 | -1,115 | 2,838 | |||||||||||
| Minorities | HUF mil | ... | ... | ... | 0 | 0 | 0 | -1,316 | -2,245 | |||||||||||
| Net Profit | HUF mil | ... | ... | ... | -5,618 | -4,464 | -4,664 | -14,880 | -8,304 | |||||||||||
| Dividends | HUF mil | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||
| growth rates | ||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | -17.9 | -13.7 | 0.890 | 10.3 | -29.1 | ||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | 67.4 | -4.46 | 66.9 | 23.7 | 31.1 | ||||||||||
| Total Revenue Growth | % | ... | ... | ... | ... | 3.15 | -26.1 | 14.9 | 27.8 | -35.8 | ||||||||||
| Operating Cost Growth | % | ... | ... | ... | ... | 13.8 | -10.3 | 7.57 | -8.65 | 13.0 | ||||||||||
| Operating Profit Growth | % | ... | ... | ... | ... | -9.46 | -49.8 | 34.5 | 105 | -82.1 | ||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | -183 | -53.3 | 47.4 | 244 | -55.5 | ||||||||||
| Net Profit Growth | % | ... | ... | ... | ... | -151 | -20.5 | 4.48 | 219 | -44.2 | ||||||||||
| market share | ||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | 2.37 | 2.58 | 2.66 | 3.23 | 2.57 | |||||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Market Share in Employees | % | 2.02 | 1.87 | 1.90 | 2.06 | 2.26 | ||||||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.001 | ... | ... | ... | ... | ... |
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.38 | 1.36 | 1.35 | 1.46 |
| balance sheet | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||||||||
| Cash | HUF mil | ... | ... | ... | 2,554 | 2,164 | 2,039 | 2,348 | 3,017 | |||||||||||
| Interbank Loans | HUF mil | ... | ... | ... | 65,046 | 33,981 | 32,739 | 177,680 | 210,957 | |||||||||||
| Customer Loans | HUF mil | ... | ... | ... | 608,117 | 499,573 | 320,071 | 435,285 | 371,088 | |||||||||||
| Retail Loans | HUF mil | ... | ... | ... | 585,082 | 468,032 | 274,639 | 388,952 | 306,374 | |||||||||||
| Mortgage Loans | HUF mil | ... | ... | ... | 572,357 | 456,956 | 264,776 | 378,019 | 436,268 | |||||||||||
| Consumer Loans | HUF mil | ... | ... | ... | 12,725 | 11,076 | 9,863 | 9,410 | 9,595 | |||||||||||
| Corporate Loans | HUF mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 62,068 | 68,889 | 71,289 | 85,002 | 91,271 | ||||
| Debt Securities | HUF mil | ... | ... | ... | 90,418 | 171,007 | 203,560 | 112,520 | 126,839 | |||||||||||
| Fixed Assets | HUF mil | ... | ... | ... | 20,473 | 18,714 | 16,998 | 15,059 | 8,083 | |||||||||||
| Total Assets | HUF mil | ... | ... | ... | 816,114 | 752,625 | 737,514 | 769,437 | 744,820 | |||||||||||
| Shareholders' Equity | HUF mil | ... | ... | ... | 53,382 | 77,541 | 76,072 | 88,048 | 108,532 | |||||||||||
| Of Which Minority Interest | HUF mil | ... | ... | ... | 0 | 0 | 0 | 23,717 | 21,480 | |||||||||||
| Liabilities | HUF mil | ... | ... | ... | 762,732 | 675,084 | 661,442 | 681,389 | 636,288 | |||||||||||
| Interbank Borrowing | HUF mil | ... | ... | ... | 20,992 | 110,597 | 116,847 | 43,036 | 39,774 | |||||||||||
| Customer Deposits | HUF mil | ... | ... | ... | 223,799 | 152,206 | 222,501 | 298,762 | 329,048 | |||||||||||
| Sight Deposits | HUF mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 92,577 | 124,754 | ||
| Term Deposits | HUF mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 205,017 | 203,336 | ||
| Issued Debt Securities | HUF mil | ... | ... | ... | 499,034 | 394,063 | 314,968 | 310,353 | 257,301 | |||||||||||
| Other Liabilities | HUF mil | ... | ... | ... | 18,907 | 18,218 | 7,126 | 29,238 | 10,165 | |||||||||||
| asset quality | ||||||||||||||||||||
| Non-Performing Loans | HUF mil | ... | ... | ... | 59,574 | 72,912 | 76,619 | 95,412 | 68,546 | |||||||||||
| Gross Loans | HUF mil | ... | ... | ... | 647,150 | 536,921 | 358,004 | 357,772 | 314,855 | |||||||||||
| Provisions | HUF mil | ... | ... | ... | 39,033 | 37,348 | 37,933 | 38,669 | 26,557 | |||||||||||
| growth rates | ||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | -2.51 | -17.8 | -35.9 | 36.0 | -14.7 | ||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | -5.58 | -20.0 | -41.3 | 41.6 | -21.2 | ||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | -7.63 | -20.2 | -42.1 | 42.8 | 15.4 | ||||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -13.0 | -11.0 | -4.59 | 1.97 | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 36.1 | 11.0 | 3.48 | 19.2 | 7.38 | |||
| Total Asset Growth | % | ... | ... | ... | ... | -6.56 | -7.78 | -2.01 | 4.33 | -3.20 | ||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | -9.47 | 45.3 | -1.89 | 15.7 | 23.3 | ||||||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -0.472 | -32.0 | 46.2 | 34.3 | 10.1 | ||||||
| market share | ||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | 3.30 | 3.12 | 2.09 | 2.90 | 2.78 | |||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.906 | 1.16 | 1.25 | 1.45 | 1.72 | ||||
| Market Share in Retail Loans | % | ... | ... | ... | 0.373 | 0.373 | 0.368 | 0.380 | 0.467 | |||||||||||
| Market Share in Consumer Loans | % | ... | ... | ... | 7.64 | 7.19 | 4.56 | 6.69 | 6.05 | |||||||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | 13.5 | 12.9 | 7.93 | 11.3 | 14.5 | |||||||||||
| Market Share in Total Assets | % | ... | ... | ... | 2.15 | 2.18 | 2.09 | 2.10 | 2.07 | |||||||||||
| Market Share in Customer Deposits | % | ... | ... | ... | 1.53 | 1.04 | 1.49 | 1.87 | 1.84 |
| ratios | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||||||
| ROE | % | ... | ... | ... | -10.0 | -6.82 | -6.07 | -18.1 | -8.45 | |||||||||||
| ROA | % | ... | ... | ... | -0.665 | -0.569 | -0.626 | -1.97 | -1.10 | |||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | 2.23 | 2.15 | 2.44 | 2.20 | 2.48 | |||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | 59.9 | 72.7 | 68.0 | 48.6 | 85.6 | |||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 10.4 | 15.5 | 13.8 | 17.8 | 20.1 | ... | ... | |||||||||
| Net Interest Margin | % | ... | ... | ... | 2.54 | 2.36 | 2.51 | 2.74 | 1.93 | |||||||||||
| Interest Spread | % | ... | ... | ... | ... | 2.06 | 1.69 | 1.78 | 2.18 | 1.41 | ||||||||||
| Asset Yield | % | ... | ... | ... | 9.28 | 9.77 | 8.88 | 7.31 | 5.44 | |||||||||||
| Cost Of Liabilities | % | ... | ... | ... | ... | 7.22 | 8.09 | 7.10 | 5.13 | 4.03 | ||||||||||
| Payout Ratio | % | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 68.3 | 79.8 | 70.1 | 60.5 | 66.8 | |||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 8.62 | 11.2 | 16.2 | 15.7 | 32.0 | |||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | 23.0 | 9.03 | 13.7 | 23.8 | 1.20 | |||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | 3,361 | 2,787 | 2,769 | 2,725 | 2,351 | |||||||||||
| Cost Per Employee (Local Currency) | HUF per month | ... | ... | ... | 675,937 | 627,164 | 619,294 | 649,836 | 644,290 | |||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 36.0 | 34.3 | 31.7 | 38.1 | 35.6 | |||||||||||
| Equity (As % Of Assets) | % | ... | ... | ... | 6.54 | 10.3 | 10.3 | 11.4 | 14.6 | |||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | ... | 272 | 328 | 144 | 146 | 113 | |||||||
| Loans (As % Assets) | % | ... | ... | ... | 74.5 | 66.4 | 43.4 | 56.6 | 49.8 | |||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 9.21 | 13.6 | 21.4 | 26.7 | 21.8 | |||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 65.5 | 51.2 | 49.5 | 40.5 | 38.7 | |||||||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | 6.42 | 7.48 | 11.9 | 8.88 | 7.16 | |||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | 3.24 | 1.76 | 1.66 | 7.49 | 0.254 |
| other data | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 46.0 | 44.0 | 42.0 | 41.0 | |||
| Employees | 836 | 770 | 774 | 812 | 864 | |||||||||||||||
| Payment Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.126 | ... | ... | ... | ... | ... |
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 31.0 | 37.9 |
Get all company financials in excel:
By Helgi Library - May 20, 2018
FHB Bank's non-performing loans reached 23.5% of total loans at the end of 2017, down from 26.8% compared to the previous year. Historically, the NPL ratio hit an all time high of 26.8% in 2016 and an all time low of 0.278% in 2003. Provision coverage amoun...
By Helgi Library - May 22, 2018
FHB Bank's customer deposits reached HUF 329,253 mil in 2017, up 10.8% compared to the previous year. Hungarian banking sector accepted customer deposits of HUF 20,469 bil in 2017, up 7.74% when compared to the last year. FHB Bank accounted for 1.61% of a...
By Helgi Library - May 22, 2018
FHB Bank's customer deposits reached HUF 329,253 mil in 2017, up 10.8% compared to the previous year. Hungarian banking sector accepted customer deposits of HUF 20,469 bil in 2017, up 7.74% when compared to the last year. FHB Bank accounted for 1.61% of a...
By Helgi Library - May 20, 2018
FHB Bank's net interest margin amounted to 2.13% in 2017, up from 1.76% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 4.56% in 2003 and an all time low of 1.76% in 2016. The average margin in the...
By Helgi Library - May 20, 2018
FHB Bank's net interest margin amounted to 2.13% in 2017, up from 1.76% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 4.56% in 2003 and an all time low of 1.76% in 2016. The average margin in the...
By Helgi Library - May 20, 2018
FHB Bank's loans reached HUF 403,821 mil in the 2017, up from HUF 349,749 mil compared to the previous year. Historically, the bank’s loans reached an all time high of HUF 647,150 mil in 2011 and an all time low of HUF 314,855 mil in 2015. In the last d...
By Helgi Library - May 20, 2018
FHB Bank's loans reached HUF 403,821 mil in the 2017, up from HUF 349,749 mil compared to the previous year. Historically, the bank’s loans reached an all time high of HUF 647,150 mil in 2011 and an all time low of HUF 314,855 mil in 2015. In the last d...
By Helgi Library - May 22, 2018
FHB Bank's consumer loans reached HUF 11,489 mil in 2017, down 24.5% compared to the previous year. Hungarian banking sector provided consumer loans of HUF 2,323 bil in 2017, up 7.63% when compared to the last year. FHB Bank accounted for 5.06% of all con...
By Helgi Library - May 22, 2018
FHB Bank's consumer loans reached HUF 11,489 mil in 2017, down 24.5% compared to the previous year. Hungarian banking sector provided consumer loans of HUF 2,323 bil in 2017, up 7.63% when compared to the last year. FHB Bank accounted for 5.06% of all con...
By Helgi Library - May 20, 2018
FHB Bank made a net profit of HUF -3,949 mil in 2017, up 64.3% compared to the previous year. This implies a return on equity of -7.32%. Historically, the bank’s net profit reached an all time high of HUF 11,100 mil in 2010 and an all time low of HUF -14,88...
FHB Land Credit and Mortgage Bank Company (FHB Bank) is Hungary's largest mortgage re-financer. The bank was established in 1997, its principal business activity was to refinance the development and purchase of housing real estates and disbursement of state subsidised housing loans. Nowadays, the bank operates as a universal bank. Thanks to the strategic cooperation with the Allianz Insurance Company, FHB Bank now offers insurance, health fund, pension fund type and other related products and services in close to 50 branches all over the country. In addition, the bank offers life annuity and annuity mortgages for elderly people, or real estate related services. Formerly state-owned, the bank was floated on the stock market in 2003, and the government sold its remaining A shares in 2007
FHB Bank has been growing its revenues and asset by 0.269% and -0.104% a year on average in the last 10 years. Its loans and deposits have grown by -3.62% and 57.1% a year during that time and loans to deposits ratio reached 118% at the end of 2017. The company achieved an average return on equity of -1.45% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 86.6% in 2017, compared to 65.5% average in the last decade.
Equity represented 8.24% of total assets or 13.0% of loans at the end of 2017. FHB Bank's non-performing loans were 23.5% of total loans while provisions covered some 17.5% of NPLs at the end of 2017.
FHB Bank stock traded at PLN 741 per share at the end of 2017 resulting in a market capitalization of USD 189 mil. Over the previous five years, stock price rose by 90% or 13.7% a year on average. That’s compared to an average ROE of -10.7% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of 0.972x in 2017.
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