2008

Development of mortgage loans in banking sector in 2008 - December

Hypotekárne úvery 1 (v,tis. Sk) 31.1.2008 29.2.2008 31.3.2008 30.4.2008 31.5.2008 30.6.2008
celková výška schválených hypotekárnych úverov 119,082,831 122,285,377 125,699,604 129,898,215 133,698,281 136,674,724
počet uzavretých zmlúv 113,558 115,435 117,512 120,194 122,444 124,333
celková výška čerpaných hypotekárnych úverov 96,961,932 99,677,335 102,183,891 105,861,286 108,502,925 111,518,419
počet uzavretých zmlúv 102,317 104,290 105,843 108,170 109,897 111,898
celková výška nesplatených istín z,HÚ 85,614,197 88,009,259 90,197,938 93,519,675 95,944,206 98,643,077
celková menovitá hodnota vydaných HZL 83,175,800 85,526,630 87,143,250 89,529,490 91,320,155 94,664,600
počet emisií HZL 100 104 105 108 113 116
celková menovitá hodnota predaných HZL 80,706,280 83,067,110 84,343,730 86,989,970 88,280,635 91,247,080
podiel celkovej menovitej hodnoty predaných HZL
k,celkovej sume nesplatených istín z,HÚ (v,%)
94.27 94.38 93.51 93.02 92.01 92.50

 

Hypotekárne úvery 1 (v,tis. Sk) 31.7.2008 31.8.2008 30.9.2008 31.10.2008 30.11.2008 31.12.2008
celková výška schválených hypotekárnych úverov 138,959,002 140,367,887 142,663,920 144,572,187 145,267,781 145,829,873
počet uzavretých zmlúv 125,881 126,877 128,571 129,895 130,415 130,712
celková výška čerpaných hypotekárnych úverov 114,628,585 117,468,261 119,916,695 122,288,034 123,787,040 124,884,379
počet uzavretých zmlúv 113,936 115,704 117,347 118,889 119,827 120,522
celková výška nesplatených istín z,HÚ 101,524,376 103,956,280 106,065,818 108,119,861 109,292,362 110,028,410
celková menovitá hodnota vydaných HZL 97,706,350 99,152,035 101,600,903 102,425,963 103,574,043 102,640,347
počet emisií HZL 119 119 124 130 132 131
celková menovitá hodnota predaných HZL 94,811,830 96,839,735 99,100,603 99,244,963 101,044,043 100,004,847
podiel celkovej menovitej hodnoty predaných HZL
k,celkovej sume nesplatených istín z,HÚ (v,%)
93.39 93.15 93.43 91.79 92.45 90.89

MB ­ mortgage bonds.
1 Source : NBS, Monthly information from mortgage controllers about mortgage transactions.

Chart

Chart

Chart 12/2008

Individual bank's share in total volume of provided ML in month:
 
January
1/2008
  February
2/2008
  March
3/2008
  April
4/2008
 
May
5/2008
  June
6/2008
  July
7/2008
  August
8/2008
 
September
09/2008
  October
10/2008
  November
11/2008
   

Development of Loans collateralize by real estate in 2008 - December

Úvery na bývanie (v,tis. Sk) 31.1.2008 29.2.2008 31.3.2008 30.4.2008 31.5.2008 30.6.2008
úvery na nehnuteľnosti,1 202,031,598 205,439,292 209,249,590 214,398,922 219,109,971 224,504,968
,,,,,,hypotekárne úvery,2 90,849,020 92,928,607 95,170,778 98,114,706 100,861,096 103,392,668
,,,,,,iné úvery na nehnuteľnosti 58,834,890 60,052,423 61,525,606 63,345,790 65,084,151 67,703,735
,,,,,,úvery stavebného sporenia,3 52,347,688 52,458,262 52,553,206 52,938,427 53,164,724 53,408,565
bezúčelové úvery zabezpečené nehnuteľnosťou 22,127,410 22,784,008 23,485,823 24,516,545 25,551,139 26,568,171

 

Úvery na bývanie (v,tis. Sk) 31.7.2008 31.8.2008 30.9.2008 31.10.2008 30.11.2008 31.12.2008
úvery na nehnuteľnosti,1 229,719,476 234,091,340 238,524,076 243,401,362 246,526,693 250,156,233
,,,,,,hypotekárne úvery,2 105,417,607 106,846,943 108,107,721 109,483,821 110,237,868 110,794,018
,,,,,,iné úvery na nehnuteľnosti 70,486,049 73,173,987 76,009,875 79,208,241 81,526,487 83,796,585
,,,,,,úvery stavebného sporenia,3 53,815,820 54,070,410 54,406,480 54,709,300 54,762,338 55,565,630
bezúčelové úvery zabezpečené nehnuteľnosťou 27,654,066 28,458,871 29,069,622 29,769,813 30,153,954 30,541,325

Source: NBS, Monthly report on stock of loans in SKK and average interest rates; Monthly report on stock of loans in Euro and average interest rates; data covers loans to households (S.143, S144, S145); data in thousands of SKK; data covers all loans provided in SKK and Euro; table does not include loans with 0% interest rate.

Data in table includes loans with specified purpose collateralized by real estate (mortgage loans, other housing loans and building loans) and loans without specified purpose collateralized by real estate.

1  Sum of mortgage loans, building loans provided by building societes and other housing loans.
2  Market shares of banks in mortgage loans may differ from market shares of outstanding principals of mortgage loans (mentioned in table for mortgage loans provided by mortgage custodians). Mortgage loans (in table for housing loans) contain loans provided to households only whereas mortage loans provided by mortgage custodians (table above) contain loans to all sectors. Data provided by mortgage custodians covers mortgage loans where registration of mortgage is confirmed by cadastral office.
3  Data includes building loans and intermediary loans provided by building societes.

Shares of individual banks
- December 2008
Housing loans 1 Of which: Loans without
specified purpose
collateralized
by real estate
mortgage
loans 2
other
housing loans
building
loans 3
Banks with mortgage license 4
Ceskoslovenska obchodna banka 5.26 % 5.00 % 9.11 % 0 % 15.50 %
Dexia banka 1.72 % 3.27 % 0.83 % 0 % 7.66 %
Istrobanka 2.01 % 4.10 % 0.57 % 0 % 3.23 %
OTP 3.23 % 7.29 % 0 % 0 % 0 %
Slovenska sporitelna 21.65 % 8.52 % 53.36 % 0 % 16.69 %
Tatra banka 15.51 % 30.73 % 5.67 % 0 % 33.02 %
UniCredit Bank 3.05 % 3.12 % 4.98 % 0 % 2.18 %
Volksbank 1.77 % 3.49 % 0.67 % 0 % 1.66 %
Vseobecna uverova banka 22.37 % 34.46 % 21.24 % 0 % 18.75 %
Building societes
CSOB stavebna sporitelna 1.01 % 0.0 % 0.0 % 4.57 % 0.0 %
Prva stavebna sporitelna 19.00 % 0.0 % 0.0 % 85.55 % 0.0 %
Wustenrot stavebna sporitelna 2.20 % 0.0 % 0.0 % 9.88 % 0.0 %
Other banks and branches of foreign banks
BRE Bank 0.62 % 0.0 % 1.86 % 0 % 1.31 %
Citibank 0.05 % 0.0 % 0.15 % 0 % 0 %
HSBC 0.014 % 0.0 % 0.00 % 0 % 0 %
ING Bank 0.001 % 0.0 % 0.002 % 0 % 0 %
Komercni banka 0.0003 % 0.0 % 0.001 % 0 % 0 %
Banco Mais 0.002 % 0.0 % 0.01 % 0 % 0 %
Postova banka 0.49 % 0.0 % 1.47 % 0 % 0 %
Privatbanka 0.03 % 0.0 % 0.08 % 0 % 0.00 %

Source: NBS, Monthly report on stock of loans in SKK and average interest rates; Monthly report on stock of loans in Euro and average interest rates; data covers loans to households (S.143, S144, S145); data in thousands of SKK; data covers all loans provided in SKK and Euro; table does not include loans with 0% interest rate.

Data in table includes loans with specified purpose collateralized by real estate (mortgage loans, other housing loans and building loans) and loans without specified purpose collateralized by real estate.

1  Sum of mortgage loans, building loans provided by bulding societes and other housing loans.
2  Market shares of banks in mortgage loans may differ from market shares of outstanding principals of mortgage loans (mentioned in table for mortgage loans provided by mortgage custodians). Mortgage loans (in table for housing loans) contains loans provided to households only whereas mortage loans provided by mortgage custodians (table above) contains loans to all sectors. Data provided by mortgage custodians covers mortgage loans where change of ownerschip was confirmed by cadastral office only.
3  Data includes building loans and intermediary loans provided by building societes.
4  Act on banks Article 2 para 2 (n)

Shares of individual banks in month:
 
January
1/2008
  February
2/2008
  March
3/2008
  April
4/2008
 
May
5/2008
  June
6/2008
  July
7/2008
  August
8/2008
 
September
09/2008
  October
10/2008
  November
11/2008