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KPIs

Operating income

1,024
MEUR

Cost to income ratio

40.4%

Total assets

25,038
MEUR

Cost of risk ratio

8.4%

NPL ratio

7.8%

ROAA

2.8%

three-year summary

Title Q1 2019 2018 2017 2016
Loans granted YTD (MEUR) 5,024 20,300  20,693 11,536
Number of distribution points 427,245 437,468 399,288  270,537
- Number of POSes and loan offices 426,530 436,746 397,190  268,486
- Number of bank branches 456 462  308  328
- Number of post offices 259 260  1,730  1,723
Number of employees (thousands) 124,166 125,446  157.7  120.2
Title 9M 2018 H1 2018 Q1 2018 2017 2016
(MEUR)        
Net interest income 2,341 1,542 760 2,417  1,532
Operating income 2,923 1,934 952 3,123 2,000
Credit risk costs1 (1,399) (991) (572) (1,124) (563)
Operating expenses2 (1,305) (878) (435) (1,626) (1,115)
Net profit after tax 213 40 (31) 244 210
Net profit attributable to equity holders of the parent 229 48 - 256
  1. Credit risk costs represent impairment losses
  2. Operating expenses comprise general administrative and other operating expenses
Title 9M 2018 H1 2018  Q1 2018  2017  2016 
(MEUR)        
Total assets 22,214 21,763 22,042  21,526  14,704
Net loan portfolio 16,652 16,439 15,228  15,452  9,866
Equity 1,934 1,843 1,770  2,028  1,501
Wholesale funding 12,964 12,125 12,557 11,979 7,163
Customer deposits and current accounts 6,688 6,676 6,540 6,356  5,401
Title 9M 2018 H1 2018 Q1 2018 2017 2016 
Income statement ratios:        
Net interest margin1 15.8% 15.8% 15.6% 14.7%  14.0%
Net interest income to operating income 80.1% 79.7% 79.7% 77.4%  76.6%
Cost to average net loans2 10.9% 11.2% 11.4% 12.9%  15.1%
Cost to income3 44.6% 45.4% 45.7% 52.0%  55.7%
Cost of risk ratio4 11.7% 12.6% 14.9% 8.9%  7.6%
Adjusted RoAA5 1.3% 0.4% 0.6% 1.4%  1.8%
Adjusted RoAEX 15.0%     14.5% 16.2%
Balance sheet ratios:        
Net loans to total assets 75.0% 75.5% 69.1% 71.8%  67.1%
NPL ratio6 8.9% 9.0% 8.2% 6.9%  6.1%
NPL coverage ratio7 131.7% 131.7% 144.2% 121.7%  128.2%
Deposits to total liabilities 33.0% 33.5% 32.3% 32.6%  40.9%
Equity to assets 8.7% 8.5% 8.0% 9.4%  10.2%
Equity and deposits to net loans ratio 51.8% 51.8% 54.6% 54.3% 70.0%
  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