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Modra Pyramida Stavebni Sporitelna

MPSS's employees rose 68.5% yoy to 600 in 3Q2023

By Helgi Library - November 24, 2023

Modra Pyramida Stavebni Sporitelna employed 600 persons in 2023-09-30, down 0.826% when compared to the previous year. Historica...

MPSS's mortgage loans rose 8.22% yoy to CZK 91,514 mil in 3Q2023

By Helgi Library - November 24, 2023

Modra Pyramida Stavebni Sporitelna's mortgage loans reached CZK 91,514 mil in 3Q2023, up 2.37% compared to the previous year. C...

Modra Pyramida Stavebni Sporitelna - Market Share in Bank Loans

By Helgi Library - September 30, 2023

Modra Pyramida Stavebni Sporitelna's customer loans reached CZK 89,095 mil in 2023-06-30, up 2.30% compared to the previous year. ...

Annual Quarterly LTM
Profit Statement 2020 2021 2022
Net Interest Income CZK mil 1,038 997 1,012
Net Fee Income CZK mil 121 150 179
Other Income CZK mil 2.38 2.56 -5.76
Total Revenues CZK mil 1,161 1,150 1,185
Staff Cost CZK mil 326 338 356
Operating Profit CZK mil 510 488 484
Provisions CZK mil 174 -48.6 89.1
Net Profit CZK mil 323 463 434
Balance Sheet 2020 2021 2022
Interbank Loans CZK mil 4.27 3.55 5.96
Customer Loans CZK mil 64,372 76,982 86,323
Investments CZK mil 21,067 17,613 13,041
Total Assets CZK mil 89,311 96,437 101,687
Shareholders' Equity CZK mil 6,256 6,207 6,641
Interbank Borrowing CZK mil 21,243 28,790 38,456
Customer Deposits CZK mil 60,790 60,903 55,973
Issued Debt Securities CZK mil 0 0 0
Ratios 2020 2021 2022
ROE % 5.30 7.44 6.75
ROA % 0.373 0.499 0.438
Costs (As % Of Assets) % 0.751 0.713 0.708
Costs (As % Of Income) % 56.1 57.6 59.2
Capital Adequacy Ratio % 29.0 20.7 25.2
Net Interest Margin % 1.20 1.07 1.02
Loans (As % Of Deposits) % 106 126 154
NPLs (As % Of Loans) % 1.67 1.46 1.04
Provisions (As % Of NPLs) % 24.7 39.6 57.8
Growth Rates 2020 2021 2022
Total Revenue Growth % -15.3 -1.01 3.09
Operating Cost Growth % -2.06 1.68 5.98
Operating Profit Growth % -27.8 -4.45 -0.840
Net Profit Growth % -54.3 43.4 -6.45
Customer Loan Growth % 13.9 19.6 12.1
Total Asset Growth % 6.29 7.98 5.44
Customer Deposit Growth % -1.68 0.186 -8.09
Shareholders' Equity Growth % 5.46 -0.792 6.99
Employees 323 325 347

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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 2022
income statement                                                
Net Interest Income CZK mil                                   1,459 1,356 1,168 1,218 1,038    
Total Revenues CZK mil                                   1,532 1,513 1,342 1,371 1,161    
Operating Profit CZK mil                                   924 860 683 706 510    
Net Profit CZK mil                                   883 897 721 708 323    
balance sheet                                                
Interbank Loans CZK mil                                   33,189 6,505 1.90 3.54 4.27    
Customer Loans CZK mil                                   38,211 43,555 50,751 56,533 64,372    
Investments CZK mil                                   2,642 32,302 29,358 25,889 21,067    
Total Assets CZK mil                                   85,025 83,212 83,163 84,023 89,311    
                                                   
Shareholders' Equity CZK mil                                   6,292 6,284 5,945 5,932 6,256    
Interbank Borrowing CZK mil                                   12,900 14,411 14,973 15,841 21,243    
Customer Deposits CZK mil                                   65,006 61,722 61,803 61,831 60,790    
Issued Debt Securities CZK mil                                   0 0 0 0 0    
ratios                                                
ROE % ...                                 12.9 14.3 11.8 11.9 5.30    
ROA % ...                                 1.01 1.07 0.867 0.846 0.373    
Costs (As % Of Assets) % ...                                 0.698 0.776 0.792 0.795 0.751    
Costs (As % Of Income) %                                   39.7 43.2 49.1 48.5 56.1    
Capital Adequacy Ratio % ...                                 15.1 20.4 20.5 24.3 29.0    
Net Interest Margin % ...                                 1.68 1.61 1.40 1.46 1.20    
Interest Income (As % Of Revenues) %                                   95.2 89.6 87.0 88.8 89.4    
Fee Income (As % Of Revenues) %                                   6.50 10.3 12.9 11.1 10.4    
Staff Cost (As % Of Total Cost) %                                   48.1 46.4 46.6 47.5 50.1    
Equity (As % Of Assets) %                                   7.40 7.55 7.15 7.06 7.01    
Loans (As % Of Deposits) %                                   58.8 70.6 82.1 91.4 106    
Loans (As % Assets) %                                   44.9 52.3 61.0 67.3 72.1    
NPLs (As % Of Loans) % ...                                 4.17 2.61 2.03 1.62 1.67    
Provisions (As % Of NPLs) % ...                                 52.3 48.6 47.0 43.5 24.7    
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 2022
income statement                                                
Interest Income CZK mil                                   2,622 2,493 2,654 2,964 2,586    
Interest Cost CZK mil                                   1,163 1,138 1,487 1,746 1,547    
Net Interest Income CZK mil                                   1,459 1,356 1,168 1,218 1,038    
Net Fee Income CZK mil                                   99.5 156 173 152 121    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Other Income CZK mil                                   -26.7 1.12 1.08 1.78 2.38    
Total Revenues CZK mil                                   1,532 1,513 1,342 1,371 1,161    
Staff Cost CZK mil                                   293 303 307 316 326    
Depreciation CZK mil                                   56.7 59.4 59.8 73.1 73.8    
Other Cost CZK mil                                   259 291 292 276 251    
Operating Cost CZK mil                                   608 653 659 665 651    
Operating Profit CZK mil                                   924 860 683 706 510    
Provisions CZK mil                                   -10.4 -88.4 -90.9 -45.5 174    
Extra and Other Cost CZK mil                                   -0.036 0 0 0 0    
Pre-Tax Profit CZK mil                                   934 948 774 752 337    
Tax CZK mil                                   51.2 50.8 52.7 44.5 13.2    
Minorities CZK mil                                   0 0 0 0 0    
Net Profit CZK mil                                   883 897 721 708 323    
Net Profit Avail. to Common CZK mil                                   883 897 721 708 323    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       883 898 721 0 515    
growth rates                                                
Net Interest Income Growth % ...                                 1.88 -7.07 -13.9 4.27 -14.7    
Net Fee Income Growth % ...                                 -34.5 56.6 11.0 -12.3 -20.5    
Total Revenue Growth % ...                                 -3.89 -1.25 -11.3 2.19 -15.3    
Operating Cost Growth % ...                                 -8.53 7.42 0.954 0.844 -2.06    
Operating Profit Growth % ...                                 -0.570 -6.95 -20.6 3.48 -27.8    
Pre-Tax Profit Growth % ...                                 -3.04 1.47 -18.4 -2.80 -55.2    
Net Profit Growth % ...                                 -3.49 1.52 -19.6 -1.86 -54.3    
market share                                                
Market Share in Revenues %                                   0.850 0.844 0.705 0.678 0.644    
Market Share in Net Profit %                                   1.20 1.19 0.885 0.777 0.681    
Market Share in Employees %                                   0.804 0.766 0.776 0.798 0.793    
Market Share in Branches % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     10.6 11.1 10.4 10.8 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 2022
balance sheet                                                
Cash & Cash Equivalents CZK mil                                   8,248 140 2,346 873 2,566    
Interbank Loans CZK mil                                   33,189 6,505 1.90 3.54 4.27    
Customer Loans CZK mil                                   38,211 43,555 50,751 56,533 64,372    
Retail Loans CZK mil                                   36,526 43,516 50,753 56,077 63,969    
Mortgage Loans CZK mil                                   36,526 43,516 50,753 56,077 63,969    
Consumer Loans CZK mil                                   0 0 0 0 0    
Corporate Loans CZK mil                                   2,475 557 488 457 403    
Investments CZK mil                                   2,642 32,302 29,358 25,889 21,067    
Property and Equipment CZK mil                                   547 553 583 408 412    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 252 289    
Total Assets CZK mil                                   85,025 83,212 83,163 84,023 89,311    
                                                   
Shareholders' Equity CZK mil                                   6,292 6,284 5,945 5,932 6,256    
Of Which Minority Interest CZK mil                                   0 0 0 0 0    
Liabilities CZK mil                                   78,733 76,928 77,219 78,091 83,055    
Interbank Borrowing CZK mil                                   12,900 14,411 14,973 15,841 21,243    
Customer Deposits CZK mil                                   65,006 61,722 61,803 61,831 60,790    
Retail Deposits CZK mil                                   65,006 61,573 61,803 61,626 60,593    
Corporate Deposits CZK mil                                   0 0 146 133 125    
Issued Debt Securities CZK mil                                   0 0 0 0 0    
Other Liabilities CZK mil                                   827 795 442 418 1,022    
asset quality                                                
Non-Performing Loans CZK mil ...                                 1,629 1,153 1,042 920 1,080    
Gross Loans CZK mil ...                                 39,063 44,115 51,241 56,934 64,487    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ...                   41,585 30,821 28,998 24,413 28,796    
Total Provisions CZK mil ...                                 852 561 490 400 266    
growth rates                                                
Customer Loan Growth % ...                                 5.40 14.0 16.5 11.4 13.9    
Retail Loan Growth % ...                                 5.54 19.1 16.6 10.5 14.1    
Mortgage Loan Growth % ...                                 5.54 19.1 16.6 10.5 14.1    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     -3.44 -77.5 -12.4 -6.36 -11.7    
Total Asset Growth % ...                                 -4.58 -2.13 -0.059 1.03 6.29    
Shareholders' Equity Growth % ...                                 -14.5 -0.120 -5.41 -0.205 5.46    
Customer Deposit Growth % ...                                 -6.37 -5.05 0.131 0.046 -1.68    
Retail Deposit Growth % ...                                 -6.37 -5.28 0.374 -0.286 -1.68    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -8.86 -5.56    
market share                                                
Market Share in Customer Loans %                                   1.30 1.41 1.53 1.64 1.79    
Market Share in Corporate Loans %                                   0.254 0.055 0.045 0.041 0.036    
Market Share in Retail Loans %                                   2.58 2.85 3.09 3.21 3.44    
Market Share in Consumer Loans %                                   0 0 0 0 0    
Market Share in Mortgage Loans %                                   3.47 3.79 4.07 4.22 4.46    
Market Share in Total Assets %                                   1.43 1.19 1.14 1.11 1.12    
Market Share in Customer Deposits %                                   1.73 1.48 1.39 1.30 1.18    
Market Share in Retail Deposits %                                   2.94 2.60 2.42 2.26 1.98    
Market Share in Corporate Deposits %                                   0 0 0.014 0.012 0.010    
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 2022
                                                 
ROE % ...                                 12.9 14.3 11.8 11.9 5.30    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 5.55    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ...                 14.8 16.5 16.1 17.7 8.10    
ROA % ...                                 1.01 1.07 0.867 0.846 0.373    
Return on Loans % ...                                 2.37 2.19 1.53 1.32 0.535    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ...                 2.32 2.37 2.28 2.65 1.92    
Costs (As % Of Assets) % ...                                 0.698 0.776 0.792 0.795 0.751    
Costs (As % Of Income) %                                   39.7 43.2 49.1 48.5 56.1    
Costs (As % Of Loans) % ...                                 1.63 1.60 1.40 1.24 1.08    
Costs (As % Of Loans & Deposits) % ...                                 0.582 0.626 0.605 0.576 0.535    
Capital Adequacy Ratio % ...                                 15.1 20.4 20.5 24.3 29.0    
Tier 1 Ratio % ...                                 15.1 20.4 20.5 24.3 29.0    
Net Interest Margin % ...                                 1.68 1.61 1.40 1.46 1.20    
Interest Spread % ...                                 1.56 1.50 1.26 1.30 1.06    
Asset Yield % ...                                 3.01 2.96 3.19 3.55 2.98    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ...                 3.85 4.18 4.49 5.13 4.37    
Cost Of Liabilities % ...                                 1.45 1.46 1.93 2.25 1.92    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       100 100 100 0 159    
Interest Income (As % Of Revenues) %                                   95.2 89.6 87.0 88.8 89.4    
Fee Income (As % Of Revenues) %                                   6.50 10.3 12.9 11.1 10.4    
Other Income (As % Of Revenues) %                                   -1.74 0.074 0.081 0.130 0.204    
Staff Cost (As % Of Total Cost) %                                   48.1 46.4 46.6 47.5 50.1    
Equity (As % Of Assets) %                                   7.40 7.55 7.15 7.06 7.01    
Equity (As % Of Loans) %                                   16.5 14.4 11.7 10.5 9.72    
Loans (As % Of Deposits) %                                   58.8 70.6 82.1 91.4 106    
Loans (As % Assets) %                                   44.9 52.3 61.0 67.3 72.1    
NPLs (As % Of Loans) % ...                                 4.17 2.61 2.03 1.62 1.67    
Provisions (As % Of NPLs) % ...                                 52.3 48.6 47.0 43.5 24.7    
Provisions (As % Of Loans) % ...                                 2.23 1.29 0.965 0.708 0.414    
Cost of Provisions (As % Of Loans) % ...                                 -0.028 -0.216 -0.193 -0.085 0.287    
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 2022
                                                 
Branches ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     216 216 204 205 182    
Employees                                   330 321 325 332 323    
Employees Per Bank Branch ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1.53 1.49 1.59 1.62 1.77    
Cost Per Employee USD per month                                   2,928 3,351 3,598 3,513 3,824    
Cost Per Employee (Local Currency) CZK per month                                   73,865 78,638 78,729 79,199 84,141    
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 2022
                                                 
Customers mil                                   0.538 0.541 0.541 0.542 0.540    
Number of Accounts mil                                   0.538 0.541 0.541 0.542 0.540 ... ...
Number of Primary Customers mil                                   0.087 0.086 0.085 0.084 0.084 ... ...
Number of Mortgages mil                                   0.087 0.086 0.085 0.084 0.084 ... ...
Average Size of Deposit CZK                                   120,866 114,173 114,310 114,139 112,562 ... ...
Average Size of Mortgage Loan CZK                                   420,287 507,131 595,626 668,486 758,271 ... ...
Accounts (As % of Total Clients) %                                   100 100 100 100 100 ... ...
Primary (As % of Total Clients) %                                   16.2 15.9 15.8 15.5 15.6 ... ...
Mortgages (As % of Total Clients) %                                   16.2 15.9 15.8 15.5 15.6 ... ...
Revenue per Customer (Local Currency) CZK                                   2,848 2,798 2,482 2,531 2,151    
Net Profit per Customer (Local Currency) CZK                                   1,642 1,658 1,333 1,306 599    
Loan per Customer (Local Currency) CZK                                   71,045 80,566 93,867 104,359 119,195    
Deposit per Customer (Local Currency) CZK                                   120,866 114,173 114,310 114,139 112,562    
Revenue per Customer USD                                   113 119 113 112 97.7    
Net Profit per Customer USD                                   65.1 70.7 60.9 57.9 27.2    
Loan per Customer USD                                   2,771 3,784 4,178 4,613 5,573    
Deposit per Customer USD                                   4,714 5,362 5,088 5,046 5,263    

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MPSS's npls (as % of loans) fell 32.2% yoy to 0.977% in 3Q2023

By Helgi Library - November 24, 2023

Modra Pyramida Stavebni Sporitelna's non-performing loans reached 0.977% of total loans at the end of 2023-09-30, down from 1.44% 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 0.977% ...

Modra Pyramida Stavebni Sporitelna - Market Share in Retail Loans

By Helgi Library - September 30, 2023

Modra Pyramida Stavebni Sporitelna's retail loans reached CZK 89,394 mil in the second quarter of 2023, up 2.30% compared to the previous year. Czech banking sector provided retail loans of CZK 2,203 bil in 2Q2023, up 2.19% when compared to the last year. ...

MPSS's net interest margin fell 11.1% yoy to 0.909% in 3Q2023

By Helgi Library - November 24, 2023

Modra Pyramida Stavebni Sporitelna's net interest margin amounted to 0.909% in the third quarter of 2023, up from 0.837% 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 al...

MPSS's total revenues fell 3.04% yoy to CZK 289 mil in 2Q2023

By Helgi Library - September 30, 2023

Modra Pyramida Stavebni Sporitelna generated total banking revenues of CZK 289 mil in 2023-06-30, up 14.4% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 67,123 mil in 2023-06-30, up 20.3% when compa...

MPSS's capital adequacy ratio rose 23.5% yoy to 24.7% in 3Q2023

By Helgi Library - November 24, 2023

Modra Pyramida Stavebni Sporitelna's capital adequacy ratio reached 24.7% at the end of third quarter of 2023, down from 24.9% 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 ...

MPSS's net profit rose 144% yoy to CZK 121 mil in 3Q2023

By Helgi Library - November 24, 2023

Modra Pyramida Stavebni Sporitelna made a net profit of CZK 121 mil in the third quarter of 2023, up 144% when compared to the same period of last year. This implies a return on equity of 7.06%. Historically, the bank’s net profit reached an all time high of CZK ...

MPSS's net profit rose 144% yoy to CZK 121 mil in 3Q2023

By Helgi Library - November 24, 2023

Modra Pyramida Stavebni Sporitelna made a net profit of CZK 121 mil under revenues of CZK 403 mil in the third quarter of 2023, up 144% and 31.5% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high...

MPSS's costs (as % of assets) rose 51.5% yoy to 0.900% in 3Q2023

By Helgi Library - November 24, 2023

Modra Pyramida Stavebni Sporitelna's cost to income ratio reached 58.8% in the third quarter of 2023, down from 73.4% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 82.1% of income in 1Q2023 and an all time low ...

MPSS's corporate loans fell 18.7% yoy to CZK 202 mil in 3Q2023

By Helgi Library - November 24, 2023

Modra Pyramida Stavebni Sporitelna's loans reached CZK 91,716 mil in the third quarter of 2023, up from CZK 89,603 mil when compared to the previous quarter and up from CZK 85,267 mil when compared to the same period of last year. Historically, the ba...

Modra Pyramida Stavebni Sporitelna - Market Share in Bank Deposits

By Helgi Library - November 24, 2023

Modra Pyramida Stavebni Sporitelna's customer deposits reached CZK 53,825 mil in 2023-06-30, down 0.451% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,832 bil in 2023-06-30, up 3.12% when compared to the last year. ...

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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.

Modra Pyramida Stavebni Sporitelna Logo

Finance

Modra Pyramida Stavebni Sporitelna has been growing its revenues and asset by -5.03% and 2.16% a year on average in the last 10 years. Its loans and deposits have grown by 5.94% and -2.58% a year during that time and loans to deposits ratio reached 154% at the end of 2022. The company achieved an average return on equity of 10.9% in the last decade with net profit growing -9.08% a year on average. In terms of operating efficiency, its cost to income ratio reached 59.2% in 2022, compared to 46.7% average in the last decade.

Equity represented 6.53% of total assets or 7.69% of loans at the end of 2022. Modra Pyramida Stavebni Sporitelna's non-performing loans were 1.04% of total loans while provisions covered some 57.8% of NPLs at the end of 2022.

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