• Key financial data

    Home Credit B.V. consolidated on a quarterly basis

    Country/Company

    KPIs

    Operating income

    2,923
    MEUR

    Cost to income ratio

    44.6%

    Number of active customers

    28.9
    MILLION

    Total assets

    22,214
    MEUR

    Cost of risk ratio

    12.6%

    NPL ratio

    8.9%

    ROAA

    1.3%

    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%

    five-year summary

    Title 9M 2018 H1 2018 Q1 2018 2017 2016 2015
    Loans granted YTD (MEUR) 15,119 10,031 4,398  20,693 11,536 6,558
    Number of active clients (millions) 28.9 29.0 28.9 29.9 20.1 12.5
    Number of distribution points 434,232 429,635 403,577 399,288  270,537 185,893
    - Number of POSes and loan offices 433,520 428,940 403,047 397,190  268,486 183,488
    - Number of bank branches 461 443 306  308  328 439
    - Number of post offices 251 252 224  1,730  1,723 1,966
    Number of employees (thousands) 132.4 130.8 140.1  157.7  120.2 72.9
    Title 9M 2018 H1 2018 Q1 2018 2017 2016 2015
    (MEUR)        
    Net interest income 2,341 1,542 760 2,417  1,532 1,193
    Operating income 2,923 1,934 952 3,123 2,000 1,619
    Credit risk costs1 (1,399) (991) (572) (1,124) (563) (725)
    Operating expenses2 (1,305) (878) (435) (1,626) (1,115) (887)
    Net profit after tax 213 40 (31) 244 210 (42)
    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
    3. Net profit for the period from continuing operations does not include discontinued operations in Ukraine.
    Title 9M 2018 H1 2018  Q1 2018  2017  2016   2015
    (MEUR)        
    Total assets 22,214 21,763 22,042  21,526  14,704 9,656
    Net loan portfolio 16,652 16,439 15,228  15,452  9,866  5,835
    Equity 1,934 1,843 1,770  2,028  1,501  1,196
    Wholesale funding 12,964 12,125 12,557 11,979 7,163 3,131
    Customer deposits and current accounts 6,688 6,676 6,540 6,356  5,401  4,909
    Title 9M 2018 H1 2018 Q1 2018 2017 2016  2015
    Income statement ratios:        
    Net interest margin1 15.8% 15.8% 15.6% 14.7%  14.0% 15.4%
    Net interest income to operating income2 80.1% 79.7% 79.7% 77.4%  76.6% 73.7%
    Cost to average net loans3 10.9% 11.2% 11.4% 12.9%  15.1% 16.1%
    Cost to income4 44.6% 45.4% 45.7% 52.0%  55.7% 54.8%
    Cost of risk ratio5 11.7% 12.6% 14.9% 8.9%  7.6% 13.2%
    Adjusted RoAA6 1.3% 0.4% 0.6% 1.4%  1.8% (0.5)%
    Adjusted RoAEX 15.0%     14.5% 16.2% (3.3)%
    Balance sheet ratios:        
    Net loans to total assets 75.0% 75.5% 69.1% 71.8%  67.1% 60.4%
    NPL ratio7 8.9% 9.0% 8.2% 6.9%  6.1% 10.0%
    NPL coverage ratio8 131.7% 131.7% 144.2% 121.7%  128.2% 115.7%
    Deposits to total liabilities 33.0% 33.5% 32.3% 32.6%  40.9% 58.0%
    Equity to assets 8.7% 8.5% 8.0% 9.4%  10.2% 12.4%
    Equity and deposits to net loans ratio 51.8% 51.8% 54.6% 54.3% 70.0% 104.6%
    1. Net interest margin is calculated as net interest income divided by average balance of net interest earning assets. The ratio is calculated not including discontinued operations in Ukraine.
    2. Net interest income to operating income is calculated not including discontinued operations in Ukraine.
    3. Cost to average net loans is calculated as general administrative and other operating expenses divided by average net loans. The ratio is calculated not including discontinued operations in Ukraine and is adjusted for the exclusion of the associated goodwill impairment losses in 2009.
    4. Cost to income ratio is calculated as general administrative and other operating expenses divided by operating income. The ratio is calculated not including discontinued operations in Ukraine and is adjusted for the exclusion of the associated goodwill impairment losses in 2009.
    5. Cost of risk represents impairment losses divided by average balance of net loans to customers. The ratio is calculated not including discontinued operations in Ukraine.
    6. Adjusted RoAA is calculated as net profit divided by average balance of total assets. The ratio is calculated not including discontinued operations in Ukraine and is adjusted for the exclusion of the associated goodwill impairment losses in 2009.
    7. 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.
    8. 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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