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Key Essentials
Key essentials
Financial Results (according to EU IRFS)
| As of Dec 31, 2009 | As of Dec 31, 2008 | Change 2009/2008 |
| Due from clients (CZK m) |
136 759
|
119 813
|
+ 14 % |
| Mortgage bonds - nominal value (CZK m) |
95 040
|
87 755
|
+ 8 % |
| Total assets (CZK m) |
164 811
|
138 177
|
+ 19 % |
| Share capital (CZK m) |
5 076
|
5 076
|
+ 0 % |
| Profit after taxation (CZK m) |
1 389
|
1 171 |
+ 19 % |
Capital Adequacy Ratio and Ratio Indicators (according to EU IFRS)
| As of Dec 31, 2009 |
| Capital adequacy ratio (in %)* |
40,23 |
| ROAA v %* |
0,93 |
| ROAE v %* |
8,42 |
| Assets per employee (CZK m)* |
382 395
|
| Administrative costs per employee (CZK m)* |
1,336 |
| Net profit per employee (CZK m)* |
3,224 |
| C/I |
0,20 |
- These ratio indicators are calculated in accordance with the respective CNB Directives specifying the minimum requirements for information published by banks
Business Results
| As of Dec 31, 2009 | As of Dec 31, 2008 | Change 2009/2008 |
| Number of mortgage loans approved |
137 526
|
120 516
|
+ 14 % |
| Volume of mortgage loans approved (CZK m) |
202 729
|
174 286
|
+ 16 % |
| 2009 | 2008 | Change 2009/2008 |
| Number of mortgage loans approved |
17 010
|
21 152
|
- 20 % |
| Volume of mortgage loans approved (CZK m) |
38 443
|
39 636
|
- 28 % |
Mortgage Bonds
| As of Dec 31, 2009 | As of Dec 31, 2008 | Change 2009/2008 |
| Number of Mortgage Bond issues |
62 |
62 |
+ 0 % |
| Volume of Mortgage Bonds (CZK m) |
137 900
|
122 100
|
+ 13 % |
| Number of Mortgage Bond issues in circulation - outstanding |
39 |
44 |
- 11 % |
| Volume of Mortgage Bonds in circulation - outstanding (CZK m) |
95 040
|
87 755 |
+ 9 % |
Other Data
| As of Dec 31, 2009 | As of Dec 31, 2008 | Change 2009/2008 |
| Number of branches |
12 |
13 |
- 8 % |
| Number of employees |
436 |
443 |
- 2 % |
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