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Modra Pyramida Stavebni Sporitelna

MPSS's employees rose 9.54% yoy to 356 in 3Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna employed 356 persons in 2022-09-30, up 11.3% when compared to the previous year. Historically...

MPSS's mortgage loans rose 16.0% yoy to CZK 84,560 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna's mortgage loans reached CZK 84,560 mil in 2022-09-30, up 2.62% compared to the previous year. ...

MPSS's customer loans rose 15.9% yoy to CZK 84,808 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna's customer loans reached CZK 84,808 mil in 2022-09-30, up 2.59% compared to the previous year. ...

Annual Quarterly
Profit Statement 2019 2020 2021
Net Interest Income CZK mil 1,218 1,038 997
Net Fee Income CZK mil 152 121 150
Other Income CZK mil 1.78 2.38 2.56
Total Revenues CZK mil 1,371 1,161 1,150
Staff Cost CZK mil 316 326 339
Operating Profit CZK mil 706 510 492
Provisions CZK mil -45.5 174 -45.0
Net Profit CZK mil 708 323 463
Balance Sheet 2019 2020 2021
Interbank Loans CZK mil 3.54 4.27 0.057
Customer Loans CZK mil 56,533 64,372 76,982
Investments CZK mil 25,889 21,067 17,613
Total Assets CZK mil 84,023 89,311 96,437
Shareholders' Equity CZK mil 5,932 6,256 6,207
Interbank Borrowing CZK mil 15,841 21,243 28,790
Customer Deposits CZK mil 61,831 60,790 60,844
Issued Debt Securities CZK mil 0 0 0
Ratios 2019 2020 2021
ROE % 11.9 5.30 7.44
ROA % 0.846 0.373 0.499
Costs (As % Of Assets) % 0.795 0.751 0.708
Costs (As % Of Income) % 48.5 56.1 57.2
Capital Adequacy Ratio % 24.3 29.0 20.7
Net Interest Margin % 1.46 1.20 1.07
Loans (As % Of Deposits) % 91.4 106 127
NPLs (As % Of Loans) % 1.62 1.67 1.53
Provisions (As % Of NPLs) % 43.5 24.7 34.7
Growth Rates 2019 2020 2021
Total Revenue Growth % 2.19 -15.3 -1.02
Operating Cost Growth % 0.844 -2.06 1.03
Operating Profit Growth % 3.48 -27.8 -3.62
Net Profit Growth % -1.86 -54.3 43.4
Customer Loan Growth % 11.4 13.9 19.6
Total Asset Growth % 1.03 6.29 7.98
Customer Deposit Growth % 0.046 -1.68 0.089
Shareholders' Equity Growth % -0.205 5.46 -0.792
Employees 332 323 325

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summary Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
income statement                                              
Net Interest Income CZK mil                                 1,432 1,459 1,356 1,168 1,218    
Total Revenues CZK mil                                 1,594 1,532 1,513 1,342 1,371    
Operating Profit CZK mil                                 929 924 860 683 706    
Net Profit CZK mil                                 915 883 897 721 708    
balance sheet                                              
Interbank Loans CZK mil                                 31,142 33,189 6,505 1.90 3.54    
Customer Loans CZK mil                                 36,253 38,211 43,555 50,751 56,533    
Investments CZK mil                                 7,043 2,642 32,302 29,358 25,889    
Total Assets CZK mil                                 89,104 85,025 83,212 83,163 84,023    
                                                 
Shareholders' Equity CZK mil                                 7,358 6,292 6,284 5,945 5,932    
Interbank Borrowing CZK mil                                 11,500 12,900 14,411 14,973 15,841    
Customer Deposits CZK mil                                 69,432 65,006 61,723 61,803 61,831    
Issued Debt Securities CZK mil                                 0 0 0 0 0    
ratios                                              
ROE % ...                               12.2 12.9 14.3 11.8 11.9    
ROA % ...                               1.06 1.01 1.07 0.867 0.846    
Costs (As % Of Assets) % ...                               0.773 0.698 0.776 0.792 0.795    
Costs (As % Of Income) %                                 41.7 39.7 43.2 49.1 48.5    
Capital Adequacy Ratio % ...                               19.3 15.1 20.4 20.5 24.3    
Net Interest Margin % ...                               1.67 1.68 1.61 1.40 1.46    
Interest Income (As % Of Revenues) %                                 89.9 95.2 89.6 87.0 88.8    
Fee Income (As % Of Revenues) %                                 9.53 6.50 10.3 12.9 11.1    
Staff Cost (As % Of Total Cost) %                                 44.2 48.1 46.4 46.6 47.5    
Equity (As % Of Assets) %                                 8.26 7.40 7.55 7.15 7.06    
Loans (As % Of Deposits) %                                 52.2 58.8 70.6 82.1 91.4    
Loans (As % Assets) %                                 40.7 44.9 52.3 61.0 67.3    
NPLs (As % Of Loans) % ...                               4.99 4.17 2.61 2.03 1.62    
Provisions (As % Of NPLs) % ...                               52.4 52.3 48.6 47.0 43.5    
income statement Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
income statement                                              
Interest Income CZK mil                                 3,111 2,622 2,493 2,654 2,964    
Interest Cost CZK mil                                 1,679 1,163 1,138 1,487 1,746    
Net Interest Income CZK mil                                 1,432 1,459 1,356 1,168 1,218    
Net Fee Income CZK mil                                 152 99.5 156 173 152    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Other Income CZK mil                                 9.90 -26.7 1.12 1.08 1.78    
Total Revenues CZK mil                                 1,594 1,532 1,513 1,342 1,371    
Staff Cost CZK mil                                 294 293 303 307 316    
Depreciation CZK mil                                 53.3 56.7 59.4 59.8 73.1    
Other Cost CZK mil                                 317 259 291 292 276    
Operating Cost CZK mil                                 665 608 653 659 665    
Operating Profit CZK mil                                 929 924 860 683 706    
Provisions CZK mil                                 -34.5 -10.4 -88.4 -90.9 -45.5    
Extra and Other Cost CZK mil                                 0 -0.036 0 0 0    
Pre-Tax Profit CZK mil                                 964 934 948 774 752    
Tax CZK mil                                 48.6 51.2 50.8 52.7 44.5    
Minorities CZK mil                                 0 0 0 0 0    
Net Profit CZK mil                                 915 883 897 721 708    
Net Profit Avail. to Common CZK mil                                 915 883 897 721 708    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1,915 883 898 721 0 ... ...
growth rates                                              
Net Interest Income Growth % ...                               -8.50 1.88 -7.07 -13.9 4.27    
Net Fee Income Growth % ...                               -30.2 -34.5 56.6 11.0 -12.3    
Total Revenue Growth % ...                               -11.0 -3.89 -1.25 -11.3 2.19    
Operating Cost Growth % ...                               -0.294 -8.53 7.42 0.954 0.844    
Operating Profit Growth % ...                               -17.4 -0.570 -6.95 -20.6 3.48    
Pre-Tax Profit Growth % ...                               -7.84 -3.04 1.47 -18.4 -2.80    
Net Profit Growth % ...                               -8.00 -3.49 1.52 -19.6 -1.86    
market share                                              
Market Share in Revenues %                                 0.915 0.850 0.844 0.705 0.678    
Market Share in Net Profit % ...                               1.38 1.20 1.19 0.885 0.777    
Market Share in Employees %                                 0.813 0.804 0.766 0.776 0.798    
Market Share in Branches % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   9.93 10.6 11.1 10.4 10.8   ...
balance sheet Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
balance sheet                                              
Cash & Cash Equivalents CZK mil                                 12,079 8,248 140 2,346 873    
Interbank Loans CZK mil                                 31,142 33,189 6,505 1.90 3.54    
Customer Loans CZK mil                                 36,253 38,211 43,555 50,751 56,533    
Retail Loans CZK mil                                 34,608 36,526 43,516 50,753 56,077    
Mortgage Loans CZK mil                                 34,608 36,526 43,516 50,753 56,077    
Consumer Loans CZK mil                                 0 0 0 0 0    
Corporate Loans CZK mil                                 2,563 2,475 557 488 457    
Investments CZK mil                                 7,043 2,642 32,302 29,358 25,889    
Property and Equipment CZK mil                                 561 547 553 583 408    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 252    
Total Assets CZK mil                                 89,104 85,025 83,212 83,163 84,023    
                                                 
Shareholders' Equity CZK mil                                 7,358 6,292 6,284 5,945 5,932    
Of Which Minority Interest CZK mil                                 0 0 0 0 0    
Liabilities CZK mil                                 81,746 78,733 76,928 77,219 78,091    
Interbank Borrowing CZK mil                                 11,500 12,900 14,411 14,973 15,841    
Customer Deposits CZK mil                                 69,432 65,006 61,723 61,803 61,831    
Retail Deposits CZK mil                                 69,432 65,006 61,573 61,803 61,626    
Corporate Deposits CZK mil                                 0 0 0 146 133    
Issued Debt Securities CZK mil                                 0 0 0 0 0    
Other Liabilities CZK mil                                 814 827 795 442 418    
asset quality                                              
Non-Performing Loans CZK mil ...                               1,858 1,629 1,153 1,042 920    
Gross Loans CZK mil ...                               37,227 39,063 44,115 51,241 56,934    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ...                 38,082 41,585 30,821 28,998 24,413    
Total Provisions CZK mil ...                               974 852 561 490 400    
growth rates                                              
Customer Loan Growth % ...                               -3.33 5.40 14.0 16.5 11.4    
Retail Loan Growth % ...                               -3.44 5.54 19.1 16.6 10.5    
Mortgage Loan Growth % ...                               -3.44 5.54 19.1 16.6 10.5    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   -1.58 -3.44 -77.5 -12.4 -6.36    
Total Asset Growth % ...                               7.65 -4.58 -2.13 -0.059 1.03    
Shareholders' Equity Growth % ...                               -3.34 -14.5 -0.120 -5.41 -0.205    
Customer Deposit Growth % ...                               -6.35 -6.37 -5.05 0.131 0.046    
Retail Deposit Growth % ...                               -6.35 -6.37 -5.28 0.374 -0.286    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -8.86    
market share                                              
Market Share in Customer Loans %                                 1.30 1.30 1.41 1.53 1.64    
Market Share in Corporate Loans %                                 0.278 0.254 0.055 0.045 0.041    
Market Share in Retail Loans %                                 0 0 0 0 0    
Market Share in Consumer Loans %                                 2.61 2.57 2.84 3.08 3.21    
Market Share in Mortgage Loans %                                 3.56 3.47 3.79 4.07 4.22    
Market Share in Total Assets %                                 1.61 1.41 1.18 1.13 1.11    
Market Share in Customer Deposits %                                 1.97 1.73 1.48 1.39 1.30    
Market Share in Retail Deposits %                                 3.41 2.94 2.60 2.42 2.26    
Market Share in Corporate Deposits %                                 0 0 0 0.014 0.012    
ratios Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
                                               
ROE % ...                               12.2 12.9 14.3 11.8 11.9    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ...               15.9 14.8 16.5 16.1 17.7    
ROA % ...                               1.06 1.01 1.07 0.867 0.846    
Return on Loans % ...                               2.48 2.37 2.19 1.53 1.32    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ...               2.43 2.32 2.37 2.28 2.65    
Costs (As % Of Assets) % ...                               0.773 0.698 0.776 0.792 0.795    
Costs (As % Of Income) %                                 41.7 39.7 43.2 49.1 48.5    
Costs (As % Of Loans) % ...                               1.80 1.63 1.60 1.40 1.24    
Costs (As % Of Loans & Deposits) % ...                               0.612 0.582 0.626 0.605 0.576    
Capital Adequacy Ratio % ...                               19.3 15.1 20.4 20.5 24.3    
Tier 1 Ratio % ...                               19.3 15.1 20.4 20.5 24.3    
Net Interest Margin % ...                               1.67 1.68 1.61 1.40 1.46    
Interest Spread % ...                               1.48 1.56 1.50 1.26 1.30    
Asset Yield % ...                               3.62 3.01 2.96 3.19 3.55    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ...               4.16 3.85 4.18 4.49 5.13    
Cost Of Liabilities % ...                               2.14 1.45 1.46 1.93 2.25    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ...     209 100 100 100 0 ... ...
Interest Income (As % Of Revenues) %                                 89.9 95.2 89.6 87.0 88.8    
Fee Income (As % Of Revenues) %                                 9.53 6.50 10.3 12.9 11.1    
Other Income (As % Of Revenues) %                                 0.621 -1.74 0.074 0.081 0.130    
Staff Cost (As % Of Total Cost) %                                 44.2 48.1 46.4 46.6 47.5    
Equity (As % Of Assets) %                                 8.26 7.40 7.55 7.15 7.06    
Equity (As % Of Loans) %                                 20.3 16.5 14.4 11.7 10.5    
Loans (As % Of Deposits) %                                 52.2 58.8 70.6 82.1 91.4    
Loans (As % Assets) %                                 40.7 44.9 52.3 61.0 67.3    
NPLs (As % Of Loans) % ...                               4.99 4.17 2.61 2.03 1.62    
Provisions (As % Of NPLs) % ...                               52.4 52.3 48.6 47.0 43.5    
Provisions (As % Of Loans) % ...                               2.69 2.23 1.29 0.965 0.708    
Cost of Provisions (As % Of Loans) % ...                               -0.094 -0.028 -0.216 -0.193 -0.085    
other data Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
                                               
Branches ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   215 216 216 204 205    
Employees                                 335 330 321 325 332    
Employees Per Bank Branch ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   1.56 1.53 1.49 1.59 1.62    
Cost Per Employee USD per month                                 3,061 2,928 3,351 3,598 3,513    
Cost Per Employee (Local Currency) CZK per month                                 73,067 73,865 78,638 78,729 79,199    
customer breakdown Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
                                               
Customers mil                                 0.572 0.538 0.541 0.541 0.542    
Number of Accounts mil                                 0.572 0.538 0.541 0.541 0.542   ...
Number of Primary Customers mil                                 0.091 0.087 0.086 0.085 0.084   ...
Number of Mortgages mil                                 0.091 0.087 0.086 0.085 0.084   ...
Average Size of Deposit CZK                                 121,400 120,866 114,173 114,310 114,139   ...
Average Size of Mortgage Loan CZK                                 380,124 420,287 507,131 595,626 668,486   ...
Accounts (As % of Total Clients) %                                 100 100 100 100 100   ...
Primary (As % of Total Clients) %                                 15.9 16.2 15.9 15.8 15.5   ...
Mortgages (As % of Total Clients) %                                 15.9 16.2 15.9 15.8 15.5   ...
Revenue per Customer (Local Currency) CZK                                 2,786 2,848 2,798 2,482 2,531    
Net Profit per Customer (Local Currency) CZK                                 1,600 1,642 1,658 1,333 1,306    
Loan per Customer (Local Currency) CZK                                 63,388 71,045 80,566 93,867 104,359    
Deposit per Customer (Local Currency) CZK                                 121,400 120,866 114,173 114,310 114,139    
Revenue per Customer USD                                 117 113 119 113 112    
Net Profit per Customer USD                                 67.0 65.1 70.7 60.9 57.9    
Loan per Customer USD                                 2,553 2,771 3,784 4,178 4,613    
Deposit per Customer USD                                 4,890 4,714 5,362 5,088 5,046    

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MPSS's net profit fell 48.0% yoy to CZK 49.5 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna made a net profit of CZK 49.5 mil in the third quarter of 2022, down 48% when compared to the same period of last year. This implies a return on equity of 3.03%. Historically, the bank’s net profit reached an all time high of CZ...

MPSS's net profit fell 48.0% yoy to CZK 49.5 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna made a net profit of CZK 49.5 mil under revenues of CZK 306 mil in the third quarter of 2022, down 48% and up 4.18% respectively when compared to the same period last year. Historically, the bank’s net profit reached an ...

MPSS's npls (as % of loans) fell 16.0% yoy to 1.44% in 3Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna's non-performing loans reached 1.44% of total loans at the end of 2022-09-30, down from 1.71% compared to the previous year. Historically, the NPL ratio hit an all time high of 5.27% in 2015-03-31 and an all time low of 1.03% in...

MPSS's retail loans rose 16.0% yoy to CZK 84,560 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna's retail loans reached CZK 84,560 mil in the third quarter of 2022, up 2.62% compared to the previous year. Czech banking sector provided retail loans of CZK 2,121 bil in 3Q2022, up 1.19% when compared to the last year. ...

MPSS's net interest margin fell 4.79% yoy to 1.02% in 3Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna's net interest margin amounted to 1.02% in the third quarter of 2022, up from 1.01% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.25% in 3Q2011 and an all ...

MPSS's total revenues rose 3.43% yoy to CZK 298 mil in 2Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna generated total banking revenues of CZK 298 mil in 2022-06-30, down 1.66% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 58,487 mil in 2022-06-30, down 1.22% when c...

MPSS's costs (as % of assets) fell 12.1% yoy to 0.594% in 3Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna's cost to income ratio reached 50.0% in the third quarter of 2022, down from 58.6% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 62.6% of income in 1Q2022 and an all time low ...

MPSS's corporate loans fell 18.5% yoy to CZK 249 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna's loans reached CZK 85,267 mil in the third quarter of 2022, up from CZK 83,075 mil when compared to the previous quarter and up from CZK 73,200 mil when compared to the same period of last year. Historically, the ba...

MPSS's customer deposits fell 6.33% yoy to CZK 56,477 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna's customer deposits reached CZK 56,477 mil in 2022-09-30, down 2.36% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,417 bil in 2022-09-30, up 1.21% when compared to the last year. ...

MPSS's capital adequacy ratio fell 19.9% yoy to 20.0% in 3Q2022

By Helgi Analytics - November 26, 2022

Modra Pyramida Stavebni Sporitelna's capital adequacy ratio reached 20.0% at the end of third quarter of 2022, down from 20.4% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 30.4% in 1Q2021 and an all time low of ...

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Modrá Pyramida is building savings bank in the Czech Republic, owned by Komercni Banka, the third largest bank in the country. The Bank has been set up to provide loans to finance householdes' living needs with a subsidized interest rate, historically a popular alternative to mortgage loans. Nowadays, the Bank has developed into a mortgage lender expanding into other banking services within Komercni Banka Group.

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Finance

Modra Pyramida Stavebni Sporitelna has been growing its revenues and asset by -5.00% and 1.86% a year on average in the last 10 years. Its loans and deposits have grown by 4.28% and -1.73% a year during that time and loans to deposits ratio reached 127% at the end of 2021. The company achieved an average return on equity of 11.7% in the last decade with net profit growing -7.86% a year on average. In terms of operating efficiency, its cost to income ratio reached 57.2% in 2021, compared to 44.1% average in the last decade.

Equity represented 6.44% of total assets or 8.06% of loans at the end of 2021. Modra Pyramida Stavebni Sporitelna's non-performing loans were 1.53% of total loans while provisions covered some 34.7% of NPLs at the end of 2021.

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