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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%

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.
3d和尾走势图带连线图
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