“Our HY 2023 results underpin HCOB’s strong and persistent profitability, based on strengthened client franchise and clear focus. Our guiding principle is striving for excellence in what we do.”
Ian Banwell, CEO
KPIs
Profit before tax (€mn)
2021
2022
H1 2023
~350
Guidance 2023
Return on Equity post-tax1
.4%
2021
.8%
2022
.8%
H1 2023
>%
Guidance 2023
1) RoE after taxes based on 13% normalized CET1 ratio
CIR
%
2021
%
2022
%
H1 2023
45%
Guidance 2023
NPE ratio
.4%
2021
.2%
2022
.5%
H1 2023
~.5%
Guidance 2023
CET1 ratio
.9%
2021
.5%
2022
.5%
H1 2023
>%
Guidance 2023
Moody's Credit Rating
Baa1, pos.
2021
Baa1, pos.
2022
A3, sta.
H1 2023
A3
Guidance 2023
ESG Ratings
KPI Overview 2019 - H1 2023
1) YE 2021 excludes results from FY 2021; YE 2022 post dividend, H1 2023 excl. HY net result I 2) Technical correction of Leverage ratio for FY 2022
