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Hypotecni Banka

Hypotecni's employees fell 4.17% yoy to 69.0 in 4Q2023

By Helgi Library - May 12, 2024

Hypotecni Banka employed 69.0 persons in 2023-12-31, down 0.648% when compared to the previous year. Historically, the bank's wo...

Hypotecni's npls (as % of loans) rose 10.3% yoy to 0.644% in 4Q2023

By Helgi Library - May 12, 2024

Hypotecni Banka's non-performing loans reached 0.644% of total loans at the end of 2023-12-31, up from 0.584% compared to the pre...

Hypotecni's mortgage loans rose 4.05% yoy to CZK 396,324 mil in 4Q2023

By Helgi Library - May 12, 2024

Hypotecni Banka's mortgage loans reached CZK 396,324 mil in 4Q2023, up 1.74% compared to the previous year. Czech banking secto...

Annual Quarterly LTM
Profit Statement 2021 2022 2023
Net Interest Income CZK mil 2,226 3,873 3,492
Net Fee Income CZK mil 84.0 165 131
Other Income CZK mil -210 -187 291
Total Revenues CZK mil 2,100 3,851 3,914
Staff Cost CZK mil 188 113 115
Operating Profit CZK mil 1,268 3,079 3,155
Provisions CZK mil -549 12.0 84.0
Net Profit CZK mil 1,478 2,483 2,481
Balance Sheet 2021 2022 2023
Interbank Loans CZK mil 6,625 8,094 7,603
Customer Loans CZK mil 361,321 380,894 396,324
Investments CZK mil 0 0 0
Total Assets CZK mil 368,462 389,591 407,748
Shareholders' Equity CZK mil 53,585 57,078 58,041
Interbank Borrowing CZK mil 112 182 102
Customer Deposits CZK mil 2.00 2.00 1.00
Issued Debt Securities CZK mil 311,157 329,004 345,855
Ratios 2021 2022 2023
ROE % 2.94 4.49 4.31
ROA % 0.413 0.655 0.622
Costs (As % Of Assets) % 0.233 0.204 0.190
Costs (As % Of Income) % 39.6 20.0 19.4
Capital Adequacy Ratio % 45.2 49.9 55.7
Net Interest Margin % 0.623 1.02 0.876
Loans (As % Of Deposits) % 116 116 115
NPLs (As % Of Loans) % 0.723 0.584 0.644
Provisions (As % Of NPLs) % 30.1 34.4 31.1
Growth Rates 2021 2022 2023
Total Revenue Growth % -35.8 83.4 1.64
Operating Cost Growth % -14.8 -7.21 -1.68
Operating Profit Growth % -44.7 143 2.47
Net Profit Growth % -5.62 68.0 -0.081
Customer Loan Growth % 8.23 5.42 4.05
Total Asset Growth % 6.34 5.73 4.66
Customer Deposit Growth % 0 0 -50.0
Shareholders' Equity Growth % 13.8 6.52 1.69
Employees 144 72.0 69.0

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summary Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
income statement                                                      
Net Interest Income CZK mil                                         3,939 3,507 3,448 2,922 2,226    
Total Revenues CZK mil                                         4,439 3,845 3,760 3,271 2,100    
Operating Profit CZK mil                                         3,458 2,853 2,770 2,295 1,268    
Net Profit CZK mil                                         2,828 2,354 2,446 1,566 1,478    
balance sheet                                                      
Interbank Loans CZK mil                                         6,621 6,622 6,623 6,623 6,625    
Customer Loans CZK mil                                         280,409 299,439 315,556 333,835 361,321    
Investments CZK mil                                         1,829 1,883 0 0 0    
Total Assets CZK mil                                         288,314 308,765 324,053 346,505 368,462    
                                                         
Shareholders' Equity CZK mil                                         39,391 42,203 44,600 47,077 53,585    
Interbank Borrowing CZK mil                                         2.00 2.00 9.00 141 112    
Customer Deposits CZK mil                                         398 57.0 31.0 2.00 2.00    
Issued Debt Securities CZK mil                                         247,011 264,165 277,396 295,325 311,157    
ratios                                                      
ROE % ...                                       7.69 5.77 5.64 3.42 2.94    
ROA % ...                                       1.03 0.789 0.773 0.467 0.413    
Costs (As % Of Assets) % ...                                       0.356 0.332 0.313 0.291 0.233    
Costs (As % Of Income) %                                         22.1 25.8 26.3 29.8 39.6    
Capital Adequacy Ratio % ...                                       37.3 36.5 42.6 45.9 45.2    
Net Interest Margin % ...                                       1.43 1.17 1.09 0.872 0.623    
Interest Income (As % Of Revenues) %                                         88.7 91.2 91.7 89.3 106    
Fee Income (As % Of Revenues) %                                         12.6 11.5 6.62 5.78 4.00    
Staff Cost (As % Of Total Cost) %                                         55.5 54.9 54.2 47.6 22.6    
Equity (As % Of Assets) %                                         13.7 13.7 13.8 13.6 14.5    
Loans (As % Of Deposits) %                                         114 113 114 113 116    
Loans (As % Assets) %                                         97.3 97.0 97.4 96.3 98.1    
NPLs (As % Of Loans) % ... ... ...                                   1.66 1.27 0.420 0.342 0.723    
Provisions (As % Of NPLs) % ... ... ...                                   45.1 43.0 91.8 117 30.1    
valuation                                                      
Book Value Per Share Growth % ...                                       -12.4 -11.0 -1.68 -15.3 -23.8    
income statement Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
income statement                                                      
Interest Income CZK mil                                         6,811 7,201 8,142 7,355 7,111    
Interest Cost CZK mil                                         2,872 3,694 4,694 4,433 4,885    
Net Interest Income CZK mil                                         3,939 3,507 3,448 2,922 2,226    
Net Fee Income CZK mil                                         559 443 249 189 84.0    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 302 269 257    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 53.0 80.0 173    
Other Income CZK mil                                         -59.0 -105 63.0 160 -210    
Total Revenues CZK mil                                         4,439 3,845 3,760 3,271 2,100    
Staff Cost CZK mil                                         544 545 536 465 188    
Depreciation CZK mil                                         64.0 77.0 131 132 115    
Other Cost CZK mil                                         373 370 323 379 529    
Operating Cost CZK mil                                         981 992 990 976 832    
Operating Profit CZK mil                                         3,458 2,853 2,770 2,295 1,268    
Provisions CZK mil                                         -21.0 -140 -252 358 -549    
Extra and Other Cost CZK mil                                         0 0 0.201 0 0    
Pre-Tax Profit CZK mil                                         3,479 2,993 3,022 1,937 1,817    
Tax CZK mil                                         651 639 576 371 339    
Minorities CZK mil                                         0 0 0 0 0    
Net Profit CZK mil                                         2,828 2,354 2,446 1,566 1,478    
Net Profit Avail. to Common CZK mil                                         2,828 2,354 2,446 1,566 1,478    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ...                     2,828 3,554 2,446 1,568 1,478   ...
growth rates                                                      
Net Interest Income Growth % ...                                       -12.4 -11.0 -1.68 -15.3 -23.8    
Net Fee Income Growth % ...                                       6.88 -20.8 -43.8 -24.1 -55.6    
Total Revenue Growth % ...                                       -12.3 -13.4 -2.21 -13.0 -35.8    
Operating Cost Growth % ...                                       -8.23 1.12 -0.202 -1.41 -14.8    
Operating Profit Growth % ...                                       -13.4 -17.5 -2.91 -17.1 -44.7    
Pre-Tax Profit Growth % ...                                       -11.8 -14.0 0.969 -35.9 -6.20    
Net Profit Growth % ...                                       -11.8 -16.8 3.91 -36.0 -5.62    
market share                                                      
Market Share in Revenues %                                         2.48 2.02 1.86 1.81 1.14    
Market Share in Net Profit %                                         3.75 2.89 2.68 3.30 2.10    
Market Share in Employees % ...                                       1.31 1.26 1.19 1.03 0.363    
Market Share in Branches % ...                                       1.54 1.53 1.53 1.73 0.063    
balance sheet Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
balance sheet                                                      
Cash & Cash Equivalents CZK mil                                         725 1,619 632 1,864 433    
Interbank Loans CZK mil                                         6,621 6,622 6,623 6,623 6,625    
Customer Loans CZK mil                                         280,409 299,439 315,556 333,835 361,321    
Retail Loans CZK mil                                         280,409 299,439 315,556 333,835 361,321    
Mortgage Loans CZK mil                                         280,409 299,439 315,556 333,835 361,321    
Consumer Loans CZK mil                                         0 0 0 0 0    
Investments CZK mil                                         1,829 1,883 0 0 0    
Property and Equipment CZK mil                                         369 458 393 304 75.0    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 468 536 563    
Total Assets CZK mil                                         288,314 308,765 324,053 346,505 368,462    
                                                         
Shareholders' Equity CZK mil                                         39,391 42,203 44,600 47,077 53,585    
Of Which Minority Interest CZK mil                                         0 0 0 0 0    
Liabilities CZK mil                                         248,923 266,562 279,453 299,428 314,877    
Interbank Borrowing CZK mil                                         2.00 2.00 9.00 141 112    
Customer Deposits CZK mil                                         398 57.0 31.0 2.00 2.00    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           298 0 0 0 0    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           100 57.0 0 0 0    
Issued Debt Securities CZK mil                                         247,011 264,165 277,396 295,325 311,157    
Other Liabilities CZK mil                                         1,512 2,338 2,017 3,960 3,606    
asset quality                                                      
Non-Performing Loans CZK mil ... ... ...                                   4,700 3,815 1,357 1,182 2,617    
Gross Loans CZK mil ... ... ...                                   282,531 301,081 323,124 345,584 362,109    
Risk-Weighted Assets CZK mil ... ... ...                                   95,221 106,331 95,758 97,177 112,444    
Total Provisions CZK mil ... ... ...                                   2,122 1,642 1,246 1,383 788    
growth rates                                                      
Customer Loan Growth % ...                                       10.4 6.79 5.38 5.79 8.23    
Retail Loan Growth % ...                                       10.4 6.79 5.38 5.79 8.23    
Mortgage Loan Growth % ...                                       10.4 6.79 5.38 5.79 8.23    
Total Asset Growth % ...                                       9.83 7.09 4.95 6.93 6.34    
Shareholders' Equity Growth % ...                                       15.3 7.14 5.68 5.55 13.8    
Customer Deposit Growth % ...                                       -0.995 -85.7 -45.6 -93.5 0    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         5.30 -100 ... ... ... ... ...
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         -16.0 -43.0 -100 ... ... ... ...
market share                                                      
Market Share in Customer Loans %                                         9.09 9.06 9.15 9.28 9.39   ...
Market Share in Retail Loans %                                         18.4 18.2 18.1 18.0 17.7    
Market Share in Consumer Loans %                                         0 0 0 0 0    
Market Share in Mortgage Loans %                                         24.4 24.0 23.7 23.3 22.7    
Market Share in Total Assets %                                         4.12 4.24 4.28 4.35 4.32    
Market Share in Customer Deposits %                                         0.010 0.001 < 0.001 < 0.001 < 0.001    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           0.013 0 0 0 0    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           0.010 0.005 0 0 0    
ratios Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                                       
ROE % ...                                       7.69 5.77 5.64 3.42 2.94    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 3.45 2.97    
ROE (@ 15% of RWA) % ... ... ... ...                                 19.1 15.6 16.1 10.8 9.40    
ROA % ...                                       1.03 0.789 0.773 0.467 0.413    
Return on Loans %                                         1.06 0.812 0.795 0.482 0.425    
Operating Profit (As % of RWA) % ... ... ... ...                                 3.51 2.83 2.74 2.38 1.21    
Costs (As % Of Assets) % ...                                       0.356 0.332 0.313 0.291 0.233    
Costs (As % Of Income) %                                         22.1 25.8 26.3 29.8 39.6    
Costs (As % Of Loans) % ...                                       0.367 0.342 0.322 0.301 0.239    
Costs (As % Of Loans & Deposits) % ...                                       0.367 0.342 0.322 0.301 0.239    
Capital Adequacy Ratio % ...                                       37.3 36.5 42.6 45.9 45.2    
Tier 1 Ratio % ...                                       37.3 36.5 42.6 45.9 45.2    
Net Interest Margin % ...                                       1.43 1.17 1.09 0.872 0.623    
Interest Spread % ...                                       1.27 0.979 0.854 0.662 0.399    
Asset Yield % ...                                       2.47 2.41 2.57 2.19 1.99    
Revenues (As % of RWA) % ... ... ... ...                                 4.51 3.82 3.72 3.39 2.00    
Cost Of Liabilities % ...                                       1.20 1.43 1.72 1.53 1.59    
Payout Ratio % ... ... ... ... ... ... ... ... ... ...                     100 151 100 100 100   ...
Interest Income (As % Of Revenues) %                                         88.7 91.2 91.7 89.3 106    
Fee Income (As % Of Revenues) %                                         12.6 11.5 6.62 5.78 4.00    
Other Income (As % Of Revenues) %                                         -1.33 -2.73 1.68 4.89 -10.0    
Staff Cost (As % Of Total Cost) %                                         55.5 54.9 54.2 47.6 22.6    
Equity (As % Of Assets) %                                         13.7 13.7 13.8 13.6 14.5    
Equity (As % Of Loans) %                                         14.0 14.1 14.1 14.1 14.8    
Loans (As % Of Deposits) %                                         114 113 114 113 116    
Loans (As % Assets) %                                         97.3 97.0 97.4 96.3 98.1    
NPLs (As % Of Loans) % ... ... ...                                   1.66 1.27 0.420 0.342 0.723    
Provisions (As % Of NPLs) % ... ... ...                                   45.1 43.0 91.8 117 30.1    
Provisions (As % Of Loans) % ... ... ...                                   0.757 0.548 0.395 0.414 0.218    
Cost of Provisions (As % Of Loans) % ...                                       -0.008 -0.048 -0.082 0.110 -0.158    
other data Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                                       
Branches ...                                       30.0 30.0 29.0 29.0 1.00    
Employees ...                                       548 526 497 419 144    
Employees Per Bank Branch ...                                       18.3 17.5 17.1 14.4 144    
Cost Per Employee USD per month ...                                       3,525 3,946 3,990 4,203 5,021    
Cost Per Employee (Local Currency) CZK per month ...                                       82,725 86,343 89,944 92,482 108,796    
customer breakdown Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                                       
Customers mil ... ... ... ... ... ... ... ...                         0.201 0.206 0.223 0.230 0.240    
Number of Mortgages mil ... ... ... ... ... ... ... ...                         0.201 0.206 0.223 ... ... ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ...                         1,393,000 1,451,000 1,414,230 ... ... ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ...                         100 100 100 ... ... ... ...
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ... ...                         22,052 18,632 16,851 14,222 8,750    
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ...                         14,049 11,407 10,962 6,809 6,158    
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ... ...                         1,393,000 1,451,000 1,414,230 1,451,457 1,505,504    
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ...                         1,977 276 139 8.70 8.33    
Revenue per Customer USD ... ... ... ... ... ... ... ...                         940 852 747 646 404    
Net Profit per Customer USD ... ... ... ... ... ... ... ...                         599 521 486 309 284    
Loan per Customer USD ... ... ... ... ... ... ... ...                         65,427 64,586 62,518 67,866 68,585    
Deposit per Customer USD ... ... ... ... ... ... ... ...                         92.9 12.3 6.14 0.407 0.380    

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Hypotecni's customer loans rose 4.34% yoy to CZK 389,546 mil in 3Q2023

By Helgi Library - May 12, 2024

Hypotecni Banka's customer loans reached CZK 389,546 mil in 2023-09-30, up 0.988% compared to the previous year. Czech banking sector provided customer loans of CZK 4,290 bil in 2023-09-30, up 1.99% when compared to the last year. Hypotecni Banka accounte...

Hypotecni's costs (as % of assets) fell 136% yoy to -0.037% in 4Q2023

By Helgi Library - May 12, 2024

Hypotecni Banka's cost to income ratio reached -4.18% in the fourth quarter of 2023, down from 35.7% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 65.9% of income in 4Q2021 and an all time low of -4.18% in ...

Hypotecni's retail loans rose 4.05% yoy to CZK 396,324 mil in 4Q2023

By Helgi Library - May 12, 2024

Hypotecni Banka's retail loans reached CZK 396,324 mil in the fourth quarter of 2023, up 1.74% compared to the previous year. Czech banking sector provided retail loans of CZK 2,242 bil in 4Q2023, up 0.906% when compared to the last year. Hypotecni Banka ...

Hypotecni's capital adequacy ratio rose 11.6% yoy to 55.7% in 4Q2023

By Helgi Library - May 12, 2024

Hypotecni Banka's capital adequacy ratio reached 55.7% at the end of fourth quarter of 2023, up from 52.1% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 56.4% in 2Q2008 and an all time low of 8.16% in 4Q2002. ...

Hypotecni's net profit fell 39.8% yoy to CZK 586 mil in 4Q2023

By Helgi Library - May 12, 2024

Hypotecni Banka made a net profit of CZK 586 mil under revenues of CZK 884 mil in the fourth quarter of 2023, down 39.8% and 31% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 973 m...

Hypotecni's net profit fell 39.8% yoy to CZK 586 mil in 4Q2023

By Helgi Library - May 12, 2024

Hypotecni Banka made a net profit of CZK 586 mil in the fourth quarter of 2023, down 39.8% when compared to the same period of last year. This implies a return on equity of 4.06%. Historically, the bank’s net profit reached an all time high of CZK 973 mil in 4Q20...

Hypotecni's customer deposits fell 50.0% yoy to CZK 1.00 mil in 4Q2023

By Helgi Library - May 12, 2024

Hypotecni Banka's customer deposits reached CZK 1.00 mil in 2023-12-31, down 99.4% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,701 bil in 2023-12-31, down 3.35% when compared to the last year. Hypotecni Banka ac...

Hypotecni's total revenues fell 31.0% yoy to CZK 884 mil in 4Q2023

By Helgi Library - May 12, 2024

Hypotecni Banka generated total banking revenues of CZK 884 mil in 2023-12-31, down 1.13% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 58,954 mil in 2023-12-31, up 3.14% when compared to the last y...

Hypotecni's net interest margin fell 23.4% yoy to 0.794% in 4Q2023

By Helgi Library - May 12, 2024

Hypotecni Banka's net interest margin amounted to 0.794% in the fourth quarter of 2023, down from 0.815% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 9.76% in 4Q2000 and an all time low of ...

Hypotecni Banka - Market Share in Retail Deposits

By Helgi Library - May 12, 2024

Hypotecni Banka's retail deposits reached CZK 0 mil in 2023-12-31, down 0% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,651 bil in 2023-12-31, up 2.05% when compared to the last year. Hypotecni Banka accounted for ...

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Hypoteční Banka is the Czech Republic's largest mortgage lender with a market share of around 25%. Despite being a 100% subsidiary of ČSOB, Hypoteční has kept its distinctive brand name and relatively high level of independence. The numbers suggest that the bank possesses all the right ingredients for success; it is exposed to the fastest-growing area of banking (mortgage lending), it is extremely cost-efficient and its asset quality remains under good control. When adjusted for hefty overcapitalisation, Hypoteční Banka’s ROE jumps to impressive 20's% being on eof the most profitable banks on the Czech market in the last decade.

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Finance

Hypotecni Banka has been growing its revenues and asset by -2.55% and 6.66% a year on average in the last 10 years. Its loans and deposits have grown by 7.29% and -46.4% a year during that time and loans to deposits ratio reached 115% at the end of 2023. The company achieved an average return on equity of 6.35% in the last decade with net profit growing -1.40% a year on average. In terms of operating efficiency, its cost to income ratio reached 19.4% in 2023, compared to 24.0% average in the last decade.

Equity represented 14.2% of total assets or 14.6% of loans at the end of 2023. Hypotecni Banka's non-performing loans were 0.644% of total loans while provisions covered some 31.1% of NPLs at the end of 2023.

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