By Helgi Analytics - February 23, 2022
MONETA Money Bank's mortgage loans reached CZK 123,493 mil in 2021-12-31, up 3.76% compared to the previous year. Czech banking...
By Helgi Analytics - February 23, 2022
MONETA Money Bank's net interest margin amounted to 2.78% in the fourth quarter of 2021, up from 2.68% when compared to the prev...
By Helgi Analytics - February 23, 2022
MONETA Money Bank's customer deposits reached CZK 285,145 mil in 2021-12-31, up 6.29% compared to the previous year. Czech bank...
| Profit Statement | 2019 | 2020 | 2021 | |
| Net Interest Income | CZK mil | 7,925 | 8,282 | 8,609 |
| Net Fee Income | CZK mil | 1,950 | 1,891 | 2,050 |
| Other Income | CZK mil | 644 | 1,925 | 509 |
| Total Revenues | CZK mil | 10,519 | 12,098 | 11,168 |
| Staff Cost | CZK mil | 2,318 | 2,519 | 2,562 |
| Operating Profit | CZK mil | 5,500 | 6,572 | 5,630 |
| Provisions | CZK mil | 717 | 3,562 | 695 |
| Net Profit | CZK mil | 4,019 | 2,601 | 3,984 |
| Balance Sheet | 2019 | 2020 | 2021 | |
| Interbank Loans | CZK mil | 23,485 | 22,872 | 15,602 |
| Customer Loans | CZK mil | 156,409 | 226,072 | 255,612 |
| Investments | CZK mil | 25,972 | 35,917 | 49,200 |
| Total Assets | CZK mil | 219,053 | 300,958 | 340,222 |
| Shareholders' Equity | CZK mil | 24,411 | 27,050 | 29,481 |
| Interbank Borrowing | CZK mil | 7,091 | 1,977 | 12,580 |
| Customer Deposits | CZK mil | 181,523 | 258,906 | 285,145 |
| Issued Debt Securities | CZK mil | 2,006 | 7,393 | 7,106 |
| Ratios | 2019 | 2020 | 2021 | |
| ROE | % | 16.2 | 10.1 | 14.1 |
| ROA | % | 1.89 | 1.00 | 1.24 |
| Costs (As % Of Assets) | % | 2.36 | 2.13 | 1.73 |
| Costs (As % Of Income) | % | 47.7 | 45.7 | 49.6 |
| Capital Adequacy Ratio | % | 18.0 | 18.2 | 17.1 |
| Net Interest Margin | % | 3.72 | 3.19 | 2.69 |
| Loans (As % Of Deposits) | % | 86.2 | 87.3 | 89.6 |
| NPLs (As % Of Loans) | % | 1.80 | 2.30 | 2.20 |
| Provisions (As % Of NPLs) | % | 109 | 110 | 101 |
| Valuation | 2019 | 2020 | 2021 | |
| Market Capitalisation | USD mil | 1,920 | 1,625 | 2,182 |
| Number Of Shares | mil | 511 | 511 | 511 |
| Share Price | CZK | 85.0 | 68.0 | 93.8 |
| Price/Earnings (P/E) | 10.8 | 13.4 | 12.0 | |
| Price/Book Value (P/BV) | 1.78 | 1.28 | 1.62 | |
| Dividend Yield | % | 3.88 | 0 | 3.20 |
| Earnings Per Share (EPS) | CZK | 7.86 | 5.09 | 7.80 |
| Book Value Per Share | CZK | 47.8 | 52.9 | 57.7 |
| Dividend Per Share | CZK | 3.30 | 0 | 3.00 |
Get all company financials in excel:
| summary | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| income statement | |||||||||||||||||||||||||||
| Net Interest Income | CZK mil | 9,310 | 8,305 | 7,364 | 7,409 | 7,925 | ... | ... | ... | ... | |||||||||||||||||
| Total Revenues | CZK mil | 12,102 | 11,058 | 10,241 | 10,162 | 10,519 | ... | ... | ... | ... | |||||||||||||||||
| Operating Profit | CZK mil | 6,569 | 5,974 | 5,388 | 5,310 | 5,500 | ... | ... | ... | ... | |||||||||||||||||
| Net Profit | CZK mil | 4,506 | 4,054 | 3,923 | 4,200 | 4,019 | ... | ... | ... | ... | |||||||||||||||||
| balance sheet | |||||||||||||||||||||||||||
| Interbank Loans | CZK mil | 139 | 189 | 53,380 | 33,436 | 23,485 | ... | ... | ... | ... | |||||||||||||||||
| Customer Loans | CZK mil | 108,437 | 111,860 | 123,680 | 140,123 | 156,409 | ... | ... | ... | ... | |||||||||||||||||
| Investments | CZK mil | 13,277 | 13,775 | 11,828 | 20,780 | 25,972 | ... | ... | ... | ... | |||||||||||||||||
| Total Assets | CZK mil | 140,037 | 149,379 | 199,734 | 206,932 | 219,053 | ... | ... | ... | ... | |||||||||||||||||
| Shareholders' Equity | CZK mil | 27,839 | 27,268 | 25,763 | 25,237 | 24,411 | ... | ... | ... | ... | |||||||||||||||||
| Interbank Borrowing | CZK mil | 289 | 2,657 | 29,643 | 10,716 | 7,091 | ... | ... | ... | ... | |||||||||||||||||
| Customer Deposits | CZK mil | 108,698 | 116,252 | 141,469 | 168,792 | 181,523 | ... | ... | ... | ... | |||||||||||||||||
| Issued Debt Securities | CZK mil | ... | ... | 8.00 | 7.00 | 68.0 | 0 | 2,006 | ... | ... | ... | ... | |||||||||||||||
| ratios | |||||||||||||||||||||||||||
| ROE | % | ... | 12.8 | 14.7 | 14.8 | 16.5 | 16.2 | ... | ... | ... | ... | ||||||||||||||||
| ROA | % | ... | 3.18 | 2.80 | 2.25 | 2.07 | 1.89 | ... | ... | ... | ... | ||||||||||||||||
| Costs (As % Of Assets) | % | ... | 3.90 | 3.51 | 2.78 | 2.39 | 2.36 | ... | ... | ... | ... | ||||||||||||||||
| Costs (As % Of Income) | % | 45.7 | 46.0 | 47.4 | 47.7 | 47.7 | ... | ... | ... | ... | |||||||||||||||||
| Capital Adequacy Ratio | % | 17.7 | 20.5 | 17.4 | 16.4 | 18.0 | ... | ... | ... | ... | |||||||||||||||||
| Net Interest Margin | % | ... | 6.57 | 5.74 | 4.22 | 3.64 | 3.72 | ... | ... | ... | ... | ||||||||||||||||
| Interest Income (As % Of Revenues) | % | 76.9 | 75.1 | 71.9 | 72.9 | 75.3 | ... | ... | ... | ... | |||||||||||||||||
| Fee Income (As % Of Revenues) | % | 19.3 | 17.7 | 18.9 | 18.6 | 18.5 | ... | ... | ... | ... | |||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 40.5 | 44.5 | 50.6 | 47.9 | 46.2 | ... | ... | ... | ... | |||||||||||||||||
| Equity (As % Of Assets) | % | 19.9 | 18.3 | 12.9 | 12.2 | 11.1 | ... | ... | ... | ... | |||||||||||||||||
| Loans (As % Of Deposits) | % | 99.8 | 96.2 | 87.4 | 83.0 | 86.2 | ... | ... | ... | ... | |||||||||||||||||
| Loans (As % Assets) | % | 77.4 | 74.9 | 61.9 | 67.7 | 71.4 | ... | ... | ... | ... | |||||||||||||||||
| NPLs (As % Of Loans) | % | 11.7 | 5.97 | 4.10 | 2.80 | 1.80 | ... | ... | ... | ... | |||||||||||||||||
| Provisions (As % Of NPLs) | % | 84.0 | 87.6 | 76.8 | 99.9 | 109 | ... | ... | ... | ... | |||||||||||||||||
| valuation | |||||||||||||||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,594 | 1,978 | 1,649 | 1,920 | ... | ... | ... | ... | ||
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 510 | 511 | 511 | 511 | 511 | ... | ... | ... | ... | ||
| Share Price | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 80.0 | 82.4 | 72.5 | 85.0 | ... | ... | ... | ... | ||
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.84 | 7.93 | 7.68 | 8.22 | 7.86 | ... | ... | ... | ... | ||
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 54.6 | 53.4 | 50.4 | 49.4 | 47.8 | ... | ... | ... | ... | ||
| Dividend Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.84 | 9.80 | 8.00 | 9.45 | 3.30 | ... | ... | ... | ... | ||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.1 | 10.7 | 8.82 | 10.8 | ... | ... | ... | ... | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.50 | 1.63 | 1.47 | 1.78 | ... | ... | ... | ... | |||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12.3 | 9.71 | 13.0 | 3.88 | ... | ... | ... | ... | ||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -10.2 | -3.23 | 7.06 | -4.31 | ... | ... | ... | ... | ||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -2.24 | -5.52 | -2.04 | -3.27 | ... | ... | ... | ... |
| income statement | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| income statement | |||||||||||||||||||||||||||
| Interest Income | CZK mil | 9,522 | 8,494 | 7,582 | 7,820 | 8,933 | ... | ... | ... | ... | |||||||||||||||||
| Interest Cost | CZK mil | 212 | 189 | 218 | 411 | 1,008 | ... | ... | ... | ... | |||||||||||||||||
| Net Interest Income | CZK mil | 9,310 | 8,305 | 7,364 | 7,409 | 7,925 | ... | ... | ... | ... | |||||||||||||||||
| Net Fee Income | CZK mil | 2,336 | 1,961 | 1,933 | 1,892 | 1,950 | ... | ... | ... | ... | |||||||||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Other Income | CZK mil | 456 | 792 | 944 | 861 | 644 | ... | ... | ... | ... | |||||||||||||||||
| Total Revenues | CZK mil | 12,102 | 11,058 | 10,241 | 10,162 | 10,519 | ... | ... | ... | ... | |||||||||||||||||
| Staff Cost | CZK mil | 2,243 | 2,263 | 2,456 | 2,324 | 2,318 | ... | ... | ... | ... | |||||||||||||||||
| Depreciation | CZK mil | 520 | 310 | 414 | 610 | 967 | ... | ... | ... | ... | |||||||||||||||||
| Other Cost | CZK mil | 2,770 | 2,511 | 1,983 | 1,918 | 1,734 | ... | ... | ... | ... | |||||||||||||||||
| Operating Cost | CZK mil | 5,533 | 5,084 | 4,853 | 4,852 | 5,019 | ... | ... | ... | ... | |||||||||||||||||
| Operating Profit | CZK mil | 6,569 | 5,974 | 5,388 | 5,310 | 5,500 | ... | ... | ... | ... | |||||||||||||||||
| Provisions | CZK mil | 849 | 927 | 381 | 274 | 717 | ... | ... | ... | ... | |||||||||||||||||
| Extra and Other Cost | CZK mil | 0 | 0 | 104 | 0 | -200 | ... | ... | ... | ... | |||||||||||||||||
| Pre-Tax Profit | CZK mil | 5,720 | 5,047 | 4,903 | 5,036 | 4,983 | ... | ... | ... | ... | |||||||||||||||||
| Tax | CZK mil | 1,214 | 993 | 980 | 836 | 964 | ... | ... | ... | ... | |||||||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | ... | ... | ... | ... | |||||||||||||||||
| Net Profit | CZK mil | 4,506 | 4,054 | 3,923 | 4,200 | 4,019 | ... | ... | ... | ... | |||||||||||||||||
| Net Profit Avail. to Common | CZK mil | 4,506 | 4,054 | 3,923 | 4,200 | 4,019 | ... | ... | ... | ... | |||||||||||||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,506 | 5,008 | 4,088 | 4,829 | 1,686 | ... | ... | ... | ... | ||
| growth rates | |||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | -0.799 | -10.8 | -11.3 | 0.611 | 6.96 | ... | ... | ... | ... | ||||||||||||||||
| Net Fee Income Growth | % | ... | -12.6 | -16.1 | -1.43 | -2.12 | 3.07 | ... | ... | ... | ... | ||||||||||||||||
| Total Revenue Growth | % | ... | -4.19 | -8.63 | -7.39 | -0.771 | 3.51 | ... | ... | ... | ... | ||||||||||||||||
| Operating Cost Growth | % | ... | 1.56 | -8.11 | -4.54 | -0.021 | 3.44 | ... | ... | ... | ... | ||||||||||||||||
| Operating Profit Growth | % | ... | -8.55 | -9.06 | -9.81 | -1.45 | 3.58 | ... | ... | ... | ... | ||||||||||||||||
| Pre-Tax Profit Growth | % | ... | 5.13 | -11.8 | -2.85 | 2.71 | -1.05 | ... | ... | ... | ... | ||||||||||||||||
| Net Profit Growth | % | ... | 7.80 | -10.0 | -3.23 | 7.06 | -4.31 | ... | ... | ... | ... | ||||||||||||||||
| market share | |||||||||||||||||||||||||||
| Market Share in Revenues | % | 6.95 | 6.14 | 5.72 | 5.34 | 5.20 | ... | ... | ... | ... | ... | ||||||||||||||||
| Market Share in Net Profit | % | 6.79 | 5.49 | 5.21 | 5.16 | 4.41 | ... | ... | ... | ... | ... | ||||||||||||||||
| Market Share in Employees | % | 7.47 | 7.59 | 7.91 | 7.47 | 7.11 | ... | ... | ... | ... | ... | ||||||||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||||||
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Market Share in Branches | % | 10.9 | 11.2 | 11.7 | 10.3 | 9.43 | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| balance sheet | |||||||||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 15,475 | 20,235 | 7,127 | 8,139 | 6,697 | ... | ... | ... | ... | |||||||||||||||||
| Interbank Loans | CZK mil | 139 | 189 | 53,380 | 33,436 | 23,485 | ... | ... | ... | ... | |||||||||||||||||
| Customer Loans | CZK mil | 108,437 | 111,860 | 123,680 | 140,123 | 156,409 | ... | ... | ... | ... | |||||||||||||||||
| Retail Loans | CZK mil | 63,882 | 65,185 | 61,984 | 74,799 | 89,897 | ... | ... | ... | ... | |||||||||||||||||
| Mortgage Loans | CZK mil | 15,387 | 15,571 | 20,338 | 31,615 | 43,737 | ... | ... | ... | ... | |||||||||||||||||
| Consumer Loans | CZK mil | 48,495 | 49,614 | 41,646 | 43,184 | 46,160 | ... | ... | ... | ... | |||||||||||||||||
| Corporate Loans | CZK mil | 44,555 | 46,675 | 61,696 | 65,319 | 66,774 | ... | ... | ... | ... | |||||||||||||||||
| Investments | CZK mil | 13,277 | 13,775 | 11,828 | 20,780 | 25,972 | ... | ... | ... | ... | |||||||||||||||||
| Property and Equipment | CZK mil | ... | ... | ... | 914 | 744 | 872 | 1,296 | 2,948 | ... | ... | ... | ... | ||||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 744 | 1,301 | 1,789 | 2,283 | ... | ... | ... | ... | ||
| Goodwill | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 104 | 8.00 | ... | ... | ... | ... | ... | ... | ... | ... |
| Total Assets | CZK mil | 140,037 | 149,379 | 199,734 | 206,932 | 219,053 | ... | ... | ... | ... | |||||||||||||||||
| Shareholders' Equity | CZK mil | 27,839 | 27,268 | 25,763 | 25,237 | 24,411 | ... | ... | ... | ... | |||||||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | ... | ... | ... | ... | |||||||||||||||||
| Liabilities | CZK mil | 112,198 | 122,111 | 173,971 | 181,695 | 194,642 | ... | ... | ... | ... | |||||||||||||||||
| Interbank Borrowing | CZK mil | 289 | 2,657 | 29,643 | 10,716 | 7,091 | ... | ... | ... | ... | |||||||||||||||||
| Customer Deposits | CZK mil | 108,698 | 116,252 | 141,469 | 168,792 | 181,523 | ... | ... | ... | ... | |||||||||||||||||
| Retail Deposits | CZK mil | 73,465 | 73,167 | 83,021 | 94,448 | 115,863 | ... | ... | ... | ... | |||||||||||||||||
| Corporate Deposits | CZK mil | 24,001 | 42,401 | 48,503 | 54,428 | 58,096 | ... | ... | ... | ... | |||||||||||||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Issued Debt Securities | CZK mil | ... | ... | 8.00 | 7.00 | 68.0 | 0 | 2,006 | ... | ... | ... | ... | |||||||||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,006 | ... | ... | ... | ... | ||
| Other Liabilities | CZK mil | ... | ... | 3,203 | 3,195 | 2,791 | 2,187 | 4,022 | ... | ... | ... | ... | |||||||||||||||
| asset quality | |||||||||||||||||||||||||||
| Non-Performing Loans | CZK mil | 14,023 | 7,047 | 5,236 | 3,923 | 2,820 | ... | ... | ... | ... | |||||||||||||||||
| Gross Loans | CZK mil | 120,215 | 118,035 | 127,700 | 140,118 | 156,671 | ... | ... | ... | ... | |||||||||||||||||
| Risk-Weighted Assets | CZK mil | 126,565 | 109,301 | 118,547 | 122,202 | 125,629 | ... | ... | ... | ... | |||||||||||||||||
| Total Provisions | CZK mil | 11,778 | 6,175 | 4,020 | 3,919 | 3,080 | ... | ... | ... | ... | |||||||||||||||||
| growth rates | |||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | 1.16 | 3.16 | 10.6 | 13.3 | 11.6 | ... | ... | ... | ... | ||||||||||||||||
| Retail Loan Growth | % | ... | -3.92 | 2.04 | -4.91 | 20.7 | 20.2 | ... | ... | ... | ... | ||||||||||||||||
| Mortgage Loan Growth | % | ... | -8.68 | 1.20 | 30.6 | 55.4 | 38.3 | ... | ... | ... | ... | ||||||||||||||||
| Consumer Loan Growth | % | ... | -2.31 | 2.31 | -16.1 | 3.69 | 6.89 | ... | ... | ... | ... | ||||||||||||||||
| Corporate Loan Growth | % | ... | 9.46 | 4.76 | 32.2 | 5.87 | 2.23 | ... | ... | ... | ... | ||||||||||||||||
| Total Asset Growth | % | ... | -2.35 | 6.67 | 33.7 | 3.60 | 5.86 | ... | ... | ... | ... | ||||||||||||||||
| Shareholders' Equity Growth | % | ... | -34.6 | -2.05 | -5.52 | -2.04 | -3.27 | ... | ... | ... | ... | ||||||||||||||||
| Customer Deposit Growth | % | ... | 12.1 | 6.95 | 21.7 | 19.3 | 7.54 | ... | ... | ... | ... | ||||||||||||||||
| Retail Deposit Growth | % | ... | 6.19 | -0.406 | 13.5 | 13.8 | 22.7 | ... | ... | ... | ... | ||||||||||||||||
| Corporate Deposit Growth | % | ... | 21.7 | 76.7 | 14.4 | 12.2 | 6.74 | ... | ... | ... | ... | ||||||||||||||||
| market share | |||||||||||||||||||||||||||
| Market Share in Customer Loans | % | 3.90 | 3.79 | 4.01 | 4.24 | 4.53 | ... | ... | ... | ... | |||||||||||||||||
| Market Share in Corporate Loans | % | 4.84 | 4.78 | 6.04 | 6.05 | 5.96 | ... | ... | ... | ... | |||||||||||||||||
| Market Share in Retail Loans | % | 13.8 | 13.5 | 10.9 | 10.8 | 11.1 | ... | ... | ... | ... | |||||||||||||||||
| Market Share in Consumer Loans | % | 4.83 | 4.59 | 4.05 | 4.54 | 5.15 | ... | ... | ... | ... | |||||||||||||||||
| Market Share in Mortgage Loans | % | 1.58 | 1.48 | 1.77 | 2.54 | 3.29 | ... | ... | ... | ... | |||||||||||||||||
| Market Share in Total Assets | % | 2.52 | 2.48 | 2.83 | 2.82 | 2.90 | ... | ... | ... | ... | |||||||||||||||||
| Market Share in Customer Deposits | % | 3.09 | 3.09 | 3.39 | 3.80 | 3.83 | ... | ... | ... | ... | |||||||||||||||||
| Market Share in Retail Deposits | % | 3.61 | 3.31 | 3.50 | 3.69 | 4.25 | ... | ... | ... | ... | |||||||||||||||||
| Market Share in Corporate Deposits | % | 2.60 | 4.63 | 4.87 | 5.23 | 5.31 | ... | ... | ... | ... |
| ratios | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| ROE | % | ... | 12.8 | 14.7 | 14.8 | 16.5 | 16.2 | ... | ... | ... | ... | ||||||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15.4 | 17.5 | 17.6 | ... | ... | ... | ... | ||
| ROE (@ 15% of RWA) | % | ... | 24.1 | 22.9 | 23.0 | 23.3 | 21.6 | ... | ... | ... | ... | ||||||||||||||||
| ROA | % | ... | 3.18 | 2.80 | 2.25 | 2.07 | 1.89 | ... | ... | ... | ... | ||||||||||||||||
| Return on Loans | % | ... | 4.18 | 3.68 | 3.33 | 3.18 | 2.71 | ... | ... | ... | ... | ||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | 5.27 | 5.07 | 4.73 | 4.41 | 4.44 | ... | ... | ... | ... | ||||||||||||||||
| Costs (As % Of Assets) | % | ... | 3.90 | 3.51 | 2.78 | 2.39 | 2.36 | ... | ... | ... | ... | ||||||||||||||||
| Costs (As % Of Income) | % | 45.7 | 46.0 | 47.4 | 47.7 | 47.7 | ... | ... | ... | ... | |||||||||||||||||
| Costs (As % Of Loans) | % | ... | 5.13 | 4.62 | 4.12 | 3.68 | 3.39 | ... | ... | ... | ... | ||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 2.63 | 2.28 | 1.97 | 1.69 | 1.55 | ... | ... | ... | ... | ||||||||||||||||
| Capital Adequacy Ratio | % | 17.7 | 20.5 | 17.4 | 16.4 | 18.0 | ... | ... | ... | ... | |||||||||||||||||
| Tier 1 Ratio | % | 17.7 | 20.5 | 17.4 | 16.4 | 16.4 | ... | ... | ... | ... | |||||||||||||||||
| Net Interest Margin | % | ... | 6.57 | 5.74 | 4.22 | 3.64 | 3.72 | ... | ... | ... | ... | ||||||||||||||||
| Interest Spread | % | ... | 6.52 | 5.71 | 4.20 | 3.61 | 3.66 | ... | ... | ... | ... | ||||||||||||||||
| Asset Yield | % | ... | 6.72 | 5.87 | 4.34 | 3.85 | 4.19 | ... | ... | ... | ... | ||||||||||||||||
| Revenues (As % of RWA) | % | ... | 9.72 | 9.38 | 8.99 | 8.44 | 8.49 | ... | ... | ... | ... | ||||||||||||||||
| Cost Of Liabilities | % | ... | 0.199 | 0.161 | 0.147 | 0.231 | 0.536 | ... | ... | ... | ... | ||||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 100 | 124 | 104 | 115 | 42.0 | ... | ... | ... | ... | ||
| Interest Income (As % Of Revenues) | % | 76.9 | 75.1 | 71.9 | 72.9 | 75.3 | ... | ... | ... | ... | |||||||||||||||||
| Fee Income (As % Of Revenues) | % | 19.3 | 17.7 | 18.9 | 18.6 | 18.5 | ... | ... | ... | ... | |||||||||||||||||
| Other Income (As % Of Revenues) | % | 3.77 | 7.16 | 9.22 | 8.47 | 6.12 | ... | ... | ... | ... | |||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 40.5 | 44.5 | 50.6 | 47.9 | 46.2 | ... | ... | ... | ... | |||||||||||||||||
| Equity (As % Of Assets) | % | 19.9 | 18.3 | 12.9 | 12.2 | 11.1 | ... | ... | ... | ... | |||||||||||||||||
| Equity (As % Of Loans) | % | 25.7 | 24.4 | 20.8 | 18.0 | 15.6 | ... | ... | ... | ... | |||||||||||||||||
| Loans (As % Of Deposits) | % | 99.8 | 96.2 | 87.4 | 83.0 | 86.2 | ... | ... | ... | ... | |||||||||||||||||
| Loans (As % Assets) | % | 77.4 | 74.9 | 61.9 | 67.7 | 71.4 | ... | ... | ... | ... | |||||||||||||||||
| NPLs (As % Of Loans) | % | 11.7 | 5.97 | 4.10 | 2.80 | 1.80 | ... | ... | ... | ... | |||||||||||||||||
| Provisions (As % Of NPLs) | % | 84.0 | 87.6 | 76.8 | 99.9 | 109 | ... | ... | ... | ... | |||||||||||||||||
| Provisions (As % Of Loans) | % | 10.9 | 5.52 | 3.25 | 2.80 | 1.97 | ... | ... | ... | ... | |||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.787 | 0.842 | 0.324 | 0.208 | 0.484 | ... | ... | ... | ... |
| other data | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Branches | 236 | 230 | 227 | 202 | 179 | ... | ... | ... | ... | ||||||||||||||||||
| ATMs | ... | 686 | 632 | 668 | 654 | 632 | ... | ... | ... | ... | |||||||||||||||||
| ATMs (As % of Bank Branches) | % | ... | 291 | 275 | 294 | 324 | 353 | ... | ... | ... | ... | ||||||||||||||||
| Employees | 3,079 | 3,114 | 3,312 | 3,129 | 2,959 | ... | ... | ... | ... | ||||||||||||||||||
| Employees Per Bank Branch | 13.0 | 13.5 | 14.6 | 15.5 | 16.5 | ... | ... | ... | ... | ||||||||||||||||||
| Cost Per Employee | USD per month | 2,543 | 2,400 | 2,634 | 2,829 | 2,896 | ... | ... | ... | ... | |||||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | 60,707 | 60,560 | 61,796 | 61,894 | 65,281 | ... | ... | ... | ... |
| customer breakdown | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Customers | mil | 1.00 | 1.07 | 1.03 | 1.04 | 1.05 | ... | ... | ... | ... | |||||||||||||||||
| Number of Primary Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Payment Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||||||
| Debit Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Number of Mortgages | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.012 | 0.012 | 0.015 | 0.022 | 0.030 | ... | ... | ... | ... | ||||
| Number of Consumer Loans | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.193 | 0.179 | 0.176 | ... | ... | ... | ... | ||
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,282,000 | 1,352,000 | 1,393,000 | 1,451,000 | 1,444,000 | ||||||||
| Average Size of Consumer Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 216,262 | 241,821 | 262,399 | ||||||
| Primary (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.20 | 1.08 | 1.41 | 2.10 | 2.88 | ... | ... | ... | ... | ||||
| Consumer Loans (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18.6 | 17.2 | 16.8 | ... | ... | ... | ... | ||
| Payments Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||||||
| Debit Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Market Value per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 38,385 | 40,761 | 35,760 | 41,367 | ... | ... | ... | ... | ||
| Revenue per Customer (Local Currency) | CZK | 12,102 | 10,383 | 9,914 | 9,809 | 10,018 | ... | ... | ... | ... | |||||||||||||||||
| Net Profit per Customer (Local Currency) | CZK | 4,506 | 3,807 | 3,798 | 4,054 | 3,828 | ... | ... | ... | ... | |||||||||||||||||
| Loan per Customer (Local Currency) | CZK | 108,437 | 105,033 | 119,729 | 135,254 | 148,961 | ... | ... | ... | ... | |||||||||||||||||
| Deposit per Customer (Local Currency) | CZK | 108,698 | 109,157 | 136,950 | 162,927 | 172,879 | ... | ... | ... | ... | |||||||||||||||||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,497 | 1,914 | 1,592 | 1,829 | ... | ... | ... | ... | ||
| Revenue per Customer | USD | 507 | 412 | 422 | 448 | 444 | ... | ... | ... | ... | |||||||||||||||||
| Net Profit per Customer | USD | 189 | 151 | 162 | 185 | 170 | ... | ... | ... | ... | |||||||||||||||||
| Loan per Customer | USD | 4,368 | 4,097 | 5,623 | 6,020 | 6,585 | ... | ... | ... | ... | |||||||||||||||||
| Deposit per Customer | USD | 4,379 | 4,257 | 6,432 | 7,252 | 7,642 | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Analytics - February 23, 2022
MONETA Money Bank's customer loans reached CZK 255,612 mil in 2021-12-31, up 3.25% compared to the previous year. Czech banking sector provided customer loans of CZK 3,848 bil in 2021-12-31, up 1.87% when compared to the last year. MONETA Money Bank accou...
By Helgi Analytics - February 23, 2022
MONETA Money Bank made a net profit of CZK 1,087 mil in the fourth quarter of 2021, up 58.7% when compared to the same period of last year. This implies a return on equity of 14.6%. Historically, the bank’s net profit reached an all time high of CZK 1,466 mil in ...
By Helgi Analytics - February 23, 2022
MONETA Money Bank made a net profit of CZK 1,087 mil under revenues of CZK 3,001 mil in the fourth quarter of 2021, up 58.7% and 9.37% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK...
By Helgi Analytics - February 23, 2022
MONETA Money Bank's retail deposits reached CZK 216,915 mil in 2021-12-31, up 8.61% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,265 bil in 2021-12-31, up 0.219% when compared to the last year. MONETA Money Bank ac...
By Helgi Analytics - February 23, 2022
MONETA Money Bank employed 2,988 persons in 2021-12-31, down 1.22% compared to the previous year. Historically, the bank's workforce hit an all time high of 3,486 persons in 2011-12-31 and an all time low of 2,299 in 2007-12-31. The bank operated a network of ...
By Helgi Analytics - February 23, 2022
MONETA Money Bank's non-performing loans reached 2.20% of total loans at the end of 2021-12-31, down from 2.30% compared to the previous year. Historically, the NPL ratio hit an all time high of 18.6% in 2011-03-31 and an all time low of 1.50% in 2020-09-30. ...
By Helgi Analytics - February 23, 2022
MONETA Money Bank's retail loans reached CZK 175,183 mil in the fourth quarter of 2021, up 2.50% compared to the previous year. Czech banking sector provided retail loans of CZK 2,043 bil in 4Q2021, up 2.65% when compared to the last year. MONETA Money Ba...
By Helgi Analytics - March 21, 2022
MONETA Money Bank's consumer loans reached CZK 51,690 mil in 2021-12-31, down 0.378% compared to the previous year. Czech banking sector provided consumer loans of CZK 448 bil in 2021-12-31, up 1.96% when compared to the last year. MONETA Money Bank accou...
By Helgi Analytics - February 23, 2022
MONETA Money Bank's loans reached CZK 255,680 mil in the fourth quarter of 2021, up from CZK 247,338 mil when compared to the previous quarter and up from CZK 226,626 mil when compared to the same period of last year. Historically, the bank’s loans ...
By Helgi Analytics - February 23, 2022
MONETA Money Bank's cost to income ratio reached 47.5% in the fourth quarter of 2021, up from 45.4% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 59.1% of income in 4Q2010 and an all time low of 32.2% in 4Q...
MONETA Money Bank is a medium-sized bank based in Prague, the Czech Republic. Since its acquisition of the troubled Agrobanka in 1997, the Bank has developed a branch network of almost 200 branches and 600 ATMs (2019), though its focus has been shifting towards purely consumer finance in the last decade. Now, with over 1 million retail clients, the bank is primarily focused on consumer finance, ranging from instalment payments, leasing, credit cards and consumer lending to mortgage loans, although less so for the latter in recent years.
MONETA Money Bank has been growing its revenues and asset by -100% and -100% a year on average in the last 10 years. Its loans and deposits have grown by -100% and -100% a year during that time and loans to deposits ratio reached at the end of 2025. The company achieved an average return on equity of 14.4% in the last decade with net profit growing -100% a year on average. In terms of operating efficiency, its cost to income ratio reached in 2025, compared to 47.3% average in the last decade.
Equity represented of total assets or of loans at the end of 2025. MONETA Money Bank's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2025.
MONETA Money Bank stock traded at per share at the end of 2025 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of % the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of x in 2025.
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