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.
| Individual bank’s share in total volume of provided ML in month: |
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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 |
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| mortgage loans 2 |
other housing loans |
building loans 3 |
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| 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: |
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