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Financial Overview

Home Credit B.V. carve-out adjusted figures, presented on a quarterly basis

Country/Company

KPIs

Operating income

2,102
MEUR

Cost to income ratio

39.6%

Total assets

25,567
MEUR

Cost of risk ratio

9.5%

NPL ratio

8.2%

ROAA

2.6%

Operating income

14,905
TEUR

Cost to income ratio

87.0%

Number of active customers

317
THOUSAND

Total assets

83,171
TEUR

Cost of risk ratio

10.8%

NPL ratio

65.0%

ROAA

-2.5%

Operating income

1,351
MCZK

Cost to income ratio

78.2%

Number of active customers

303
THOUSAND

Total assets

3,178
MCZK

Cost of risk ratio

6.8%

NPL ratio

48.4%

ROAA

4.5%

Operating income

42,507
MKZT

Cost to income ratio

46.6%

Number of active customers

817
THOUSAND

Total assets

143,369
KZT

Cost of risk ratio

1.0%

NPL ratio

5.2%

ROAA

13.9%

Operating income

31,067
MRUB

Cost to income ratio

47.4%

Number of active customers

3.3
MILLION

Total assets

213,327
MRUB

NPL ratio

6.6%

Cost of risk ratio

7.3%

ROAA

2.0%

three-year summary

Title 1H 2019 2018 2017 2016
Loans granted YTD (MEUR) 10,419 20,192  20,681 11,529
Number of distribution points (excl. ATMs) 451,882 435,576 399,276  270,537
Number of employees 123,153 124,103  156,335  118,982
Title 2Q 2019 2Q 2018 2018 2017 2016
(MEUR)        
Net interest income 1,829 1,557 3,296 2,463  1,552
Operating income 2,102 1,942 4,025 3,152 2,014
Credit risk costs1 (863) (988) (1,711) (1,126) (562)
Operating expenses2 (833) (855) (1,700) (1,583) (1,079)
Net profit after tax 318 87 571 318 263
Net profit attributable to equity holders of the parent 318 863
571 321 266
  1. Credit risk costs represent impairment losses
  2. Operating expenses comprise general administrative and other operating expenses
Title 2Q 2019 2Q 2018  2018  2017  2016 
(MEUR)        
Total assets 25,567 21,639 23,527  21,417  14,642
Net loan portfolio 18,991 16,435 17,430  15,449  9,857
Equity 3,542 2,840 3,138
 3,053  2,171
Customer deposits and current accounts 7,213 6,669 6,770 6,347  5,386
Title 2Q 2019 2Q 2018 2018 2017 2016 
Income statement ratios:        
Net interest margin1 18.6% 17.7% 18.2% 17.2% 16.7%
Net interest income to operating income 87.0% 80.2% 81.9% 78.1% 77.1%
Cost to average net loans2 9.1% 10.7% 10.3% 12.5% 13.8%
Cost to income3 39.6% 44.0% 42.2% 50.2% 53.6%
Cost of risk ratio4 9.5% 12.4% 10.4% 8.9% 7.2%
Adjusted RoAA5 2.6% 0.8% 2.5% 1.8% 2.2%
Adjusted RoAE 19.0% 5.9% 18.4% 12.2% 14.3%
Balance sheet ratios:        
Net loans to total assets 74.3% 76.0% 74.1% 72.1% 67.3%
NPL ratio6 8.2% 9.0% 8.4% 6.9% 6.1%
NPL coverage ratio7 123.7% 131.6% 127.2% 121.8% 128.4%
Deposits to total liabilities 32.7% 35.5% 33.2% 34.6% 43.2%
Equity to assets 13.9% 13.1% 13.3% 14.3% 14.8%
Equity and deposits to net loans ratio 56.6% 57.9% 56.8% 60.8% 76.7%
  1. Net interest margin is calculated as net interest income divided by average balance of net interest earning assets.
  2. Cost to average net loans is calculated as general administrative and other operating expenses divided by average net loans. 
  3. Cost to income ratio is calculated as general administrative and other operating expenses divided by operating income. 
  4. Cost of risk represents impairment losses divided by average balance of net loans to customers.
  5. Adjusted RoAA is calculated as net profit divided by average balance of total assets. 
  6. NPL ratio is calculated as gross non-performing loans divided by total gross loans. The Group defines non-performing loans as collectively impaired loans that are overdue by more than 90 days as well as loans considered individually impaired.
  7. NPL coverage ratio is calculated as loan loss provisions divided by gross non-performing loans.
Title  2016 2015  2014 2013 2012 2011 2010
Loans granted YTD (TEUR)  242,744  246,041
202,474 203,273 177,346 137,385 110,972
Number of active clients (thousands) 317  218 168 171 168 160 147
Number of distribution points1 3,344  3,009 2,814 3,171 3,889 3,530 3,575
Number of employees 226  252 258 225 219 220 225
 
 
 
 
 
 
 
 
  1. POSs only
Title 2016  2015 2014 2013 2012 2011 2010
TEUR    
Net interest income  11,109  8,237 7,631 17,565 35,393 33,425 32,150
Operating income 19,269 27,469 28,180 55,538 47,514 33,219 32,964
Credit risk costs1  (4,139)  (3,550) (2,111) (4,237) (9,987) (11,473) (13,511)
Operating expenses
 (16,764)  (17,144) (18,924) (17,735) (14,891) (13,856) (11,850)
Net profit after tax  (1,890)  4,646 5,535 25,416 19,608 6,305 6,066
  1. Credit risk costs comprise impairment losses and net expense related to credit risk insurance
Title  2016  2015 2014 2013 2012 2011 2010
TEUR    
Total assets  83,171  71,926 68,830 84,112 171,502 190,441 177,024
Net loan portfolio  44,611  37,117 25,730 33,732 133,597 171,030 160,804
Equity  22,877  28,767 28,121 51,977 44,319 41,211 34,906
Wholesale funding  42,139  26,349 26,538 17,489 109,672 140,418 134,798
Title  2016  2015 2014 2013 2012 2011 2010
Income statement ratios:    
Net interest margin1  23.4%  22.2% 21.2% 24.7% 22.3% 20.2% 20.3%
Net interest income to operating income  57.7%  30.0% 27.1% 31.6% 74.5% 100.6% 97.5%
Cost to average net loans2  43.7%  55.1% 74.2% 27.2% 9.5% 8.5% 7.6%
Cost to income3  87.0%  62.4% 67.2% 31.9% 31.3% 41.7% 35.9%
Cost of risk ratio4  10.8%  11.4% 8.3% 6.5% 6.4% 7.0% 8.6%
Adjusted RoAA5  (2.5%)  6.8% 7.7% 23.1% 10.7% 3.5% 3.5%
Balance sheet ratios:    
Net loans to total assets  53.6%  51.6% 37.4% 40.1% 77.9% 89.8% 90.8%
NPL ratio6  65.0%  65.9% 72.1% (27.1%) 66.2% (26.4%) 35.9% (27.4%) 29.5% (29.5%) 30.7% (30.7%)
NPL coverage ratio7  98.1%  101.9% 102.8% 104.2% 104.3% 102.1% 94.3%
Equity to assets  27.5%  40.0% 40.9% 61.8% 25.8% 21.6% 19.7%
Equity and deposits to net loans ratio  51.3%  77.5% 109.3% 154.1% 33.2% 24.1% 21.7%
  1. Net interest margin is calculated as net interest income divided by average balance of net interest earning assets.
  2. Cost to average net loans is calculated as general administrative expenses divided by average net loans.
  3. Cost to income ratio is calculated as general administrative expenses divided by operating income.
  4. Cost of risk represents impairment losses divided by average balance of net loans to customers.
  5. RoAA is calculated as net profit divided by average balance of total assets.
  6. NPL ratio is calculated as gross non-performing loans divided by total gross loans. The Group defines non-performing loans as collectively impaired loans that are overdue by more than 90 days as well as loans considered individually impaired. In 2009, the Company concluded receivables sale agreements with related parties as a cornerstone of its refinancing strategy. As a consequence, the Company has been selling a majority of receivables originated by the Company on a regular basis. The NPL ratio is therefore influenced by these receivables sales. Taking into account the entire portfolio originated by the Company, the NPL ratio for any given period is expressed in () next to the number that includes the receivables sales.
  7. NPL coverage ratio is calculated as loan loss provisions divided by gross non-performing loans.
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