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MONETA Money Bank

MONETA's mortgage loans rose 12.2% yoy to CZK 132,591 mil in 3Q2022

By Helgi Library - May 24, 2025

MONETA Money Bank's mortgage loans reached CZK 132,591 mil in 3Q2022, up 1.47% compared to the previous year. Czech banking sec...

MONETA Money Bank - Market Share in Bank Deposits

By Helgi Library - March 12, 2025

MONETA Money Bank's customer deposits reached CZK 421,621 mil in 2024-09-30, down 1.04% compared to the previous year. Czech ba...

MONETA Money Bank - Market Share in Bank Loans

By Helgi Library - March 12, 2025

MONETA Money Bank's customer loans reached CZK 270,364 mil in 2024-09-30, down 0.238% compared to the previous year. Czech bank...

Annual Quarterly LTM
Profit Statement 2022 2023 2024
Net Interest Income CZK mil 9,311 8,577 8,919
Net Fee Income CZK mil 2,298 2,624 3,060
Other Income CZK mil 507 946 932
Total Revenues CZK mil 12,116 12,147 12,911
Staff Cost CZK mil 2,528 2,504 2,664
Operating Profit CZK mil 6,522 6,417 7,189
Provisions CZK mil 90.0 305 386
Net Profit CZK mil 5,187 5,200 5,808
Balance Sheet 2022 2023 2024
Interbank Loans CZK mil 37,886 69,632 79,206
Customer Loans CZK mil 268,752 263,064 275,383
Investments CZK mil 57,951 104,353 116,664
Total Assets CZK mil 387,510 458,184 494,982
Shareholders' Equity CZK mil 31,091 32,203 31,879
Interbank Borrowing CZK mil 5,953 5,423 3,834
Customer Deposits CZK mil 334,251 399,497 430,021
Issued Debt Securities CZK mil 10,207 11,412 19,184
Ratios 2022 2023 2024
ROE % 17.1 16.4 18.1
ROA % 1.43 1.23 1.22
Costs (As % Of Assets) % 1.54 1.36 1.20
Costs (As % Of Income) % 46.2 47.2 44.3
Capital Adequacy Ratio % 18.0 20.1 18.2
Net Interest Margin % 2.56 2.03 1.87
Loans (As % Of Deposits) % 80.4 65.8 64.0
NPLs (As % Of Loans) % 1.40 1.40 1.30
Provisions (As % Of NPLs) % 135 122 114
Valuation 2022 2023 2024
Market Capitalisation USD mil 1,717 2,138 2,827
Number Of Shares mil 511 511 511
Share Price CZK 76.0 93.6 124
Price/Earnings (P/E) 7.49 9.20 10.9
Price/Book Value (P/BV) 1.25 1.49 1.98
Dividend Yield % 10.5 9.62 8.06
Earnings Per Share (EPS) CZK 10.2 10.2 11.4
Book Value Per Share CZK 60.8 63.0 62.4
Dividend Per Share CZK 8.00 9.00 9.98

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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
income statement                                                  
Net Interest Income CZK mil                                     7,409 7,925 8,282 8,609 9,311    
Total Revenues CZK mil                                     10,162 10,519 12,098 11,168 12,116    
Operating Profit CZK mil                                     5,310 5,500 6,572 5,630 6,522    
Net Profit CZK mil                                     4,200 4,019 2,601 3,984 5,187    
balance sheet                                                  
Interbank Loans CZK mil                                     33,436 23,485 22,872 15,602 37,886    
Customer Loans CZK mil                                     140,123 156,409 226,072 255,612 268,752    
Investments CZK mil                                     20,780 25,972 35,917 49,200 57,951    
Total Assets CZK mil                                     206,932 219,053 300,958 340,222 387,510    
                                                     
Shareholders' Equity CZK mil                                     25,237 24,411 27,050 29,481 31,091    
Interbank Borrowing CZK mil                                     10,716 7,091 1,977 12,580 5,953    
Customer Deposits CZK mil                                     168,792 181,523 258,906 285,145 334,251    
Issued Debt Securities CZK mil ... ...                                 0 2,006 7,393 7,106 10,207    
ratios                                                  
ROE % ...                                   16.5 16.2 10.1 14.1 17.1    
ROA % ...                                   2.07 1.89 1.00 1.24 1.43    
Costs (As % Of Assets) % ...                                   2.39 2.36 2.13 1.73 1.54    
Costs (As % Of Income) %                                     47.7 47.7 45.7 49.6 46.2    
Capital Adequacy Ratio %                                     16.4 18.0 18.2 17.1 18.0    
Net Interest Margin % ...                                   3.64 3.72 3.19 2.69 2.56    
Interest Income (As % Of Revenues) %                                     72.9 75.3 68.5 77.1 76.8    
Fee Income (As % Of Revenues) %                                     18.6 18.5 15.6 18.4 19.0    
Staff Cost (As % Of Total Cost) %                                     47.9 46.2 45.6 46.3 45.2    
Equity (As % Of Assets) %                                     12.2 11.1 8.99 8.67 8.02    
Loans (As % Of Deposits) %                                     83.0 86.2 87.3 89.6 80.4    
Loans (As % Assets) %                                     67.7 71.4 75.1 75.1 69.4    
NPLs (As % Of Loans) %                                     2.80 1.80 2.30 2.20 1.40    
Provisions (As % Of NPLs) %                                     99.9 109 110 101 135    
valuation                                                  
Market Capitalisation USD mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1,649 1,920 1,625 2,182 1,717    
Number Of Shares mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       511 511 511 511 511    
Share Price CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     72.5 85.0 68.0 93.8 76.0    
Earnings Per Share (EPS) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       8.22 7.86 5.09 7.80 10.2    
Book Value Per Share CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       49.4 47.8 52.9 57.7 60.8    
Dividend Per Share CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       9.45 3.30 0 3.00 8.00    
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     8.82 10.8 13.4 12.0 7.49    
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1.47 1.78 1.28 1.62 1.25    
Dividend Yield % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     13.0 3.88 0 3.20 10.5    
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     7.06 -4.31 -35.3 53.2 30.2    
Book Value Per Share Growth % ...                                   -2.04 -3.27 10.8 8.99 5.46    
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
income statement                                                  
Interest Income CZK mil                                     7,820 8,933 9,712 9,649 15,591    
Interest Cost CZK mil                                     411 1,008 1,430 1,040 6,280    
Net Interest Income CZK mil                                     7,409 7,925 8,282 8,609 9,311    
Net Fee Income CZK mil                                     1,892 1,950 1,891 2,050 2,298    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2,528 2,732    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 478 434    
Other Income CZK mil                                     861 644 1,925 509 507    
Total Revenues CZK mil                                     10,162 10,519 12,098 11,168 12,116    
Staff Cost CZK mil                                     2,324 2,318 2,519 2,562 2,528    
Depreciation CZK mil                                     610 967 1,129 1,196 1,249    
Other Cost CZK mil                                     1,918 1,734 1,878 1,780 1,817    
Operating Cost CZK mil                                     4,852 5,019 5,526 5,538 5,594    
Operating Profit CZK mil                                     5,310 5,500 6,572 5,630 6,522    
Provisions CZK mil                                     274 717 3,562 695 90.0    
Extra and Other Cost CZK mil                                     0 -200 0 0 0    
Pre-Tax Profit CZK mil                                     5,036 4,983 3,010 4,935 6,432    
Tax CZK mil                                     836 964 409 951 1,245    
Minorities CZK mil                                     0 0 0 0 0    
Net Profit CZK mil                                     4,200 4,019 2,601 3,984 5,187    
Net Profit Avail. to Common CZK mil                                     4,200 4,019 2,601 3,984 5,187    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       4,829 1,686 0 1,533 4,088    
growth rates                                                  
Net Interest Income Growth % ...                                   0.611 6.96 4.50 3.95 8.15    
Net Fee Income Growth % ...                                   -2.12 3.07 -3.03 8.41 12.1    
Total Revenue Growth % ...                                   -0.771 3.51 15.0 -7.69 8.49    
Operating Cost Growth % ...                                   -0.021 3.44 10.1 0.217 1.01    
Operating Profit Growth % ...                                   -1.45 3.58 19.5 -14.3 15.8    
Pre-Tax Profit Growth % ...                                   2.71 -1.05 -39.6 64.0 30.3    
Net Profit Growth % ...                                   7.06 -4.31 -35.3 53.2 30.2    
market share                                                  
Market Share in Revenues %                                     5.34 5.20 6.71 6.06 5.18   ...
Market Share in Net Profit %                                     5.24 4.48 5.64 5.77 5.14    
Market Share in Employees %                                     7.47 7.11 7.39 7.51 6.82   ...
Market Share in Bank Cards %                     ... ...       ... ... ... ... ... ... ... ... ... ...
Market Share in Debit Cards %                     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Credit Cards %                     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Branches %                                     10.3 9.43 9.46 9.65 10.0   ...
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
balance sheet                                                  
Cash & Cash Equivalents CZK mil                                     8,139 6,697 7,782 11,204 12,467    
Interbank Loans CZK mil                                     33,436 23,485 22,872 15,602 37,886    
Customer Loans CZK mil                                     140,123 156,409 226,072 255,612 268,752    
Retail Loans CZK mil                                     74,799 89,897 151,128 174,784 186,629    
Mortgage Loans CZK mil                                     31,615 43,737 97,629 122,634 132,953    
Consumer Loans CZK mil                                     43,184 46,160 53,499 52,150 53,676    
Corporate Loans CZK mil                                     65,319 66,774 75,498 80,896 83,442    
Investments CZK mil                                     20,780 25,972 35,917 49,200 57,951    
Property and Equipment CZK mil ... ... ...                               1,296 2,948 2,696 2,631 2,318    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1,789 2,283 2,957 3,184 3,379    
Goodwill CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     ... ... ... ... ... ... ...
Total Assets CZK mil                                     206,932 219,053 300,958 340,222 387,510    
                                                     
Shareholders' Equity CZK mil                                     25,237 24,411 27,050 29,481 31,091    
Of Which Minority Interest CZK mil                                     0 0 0 0 0    
Liabilities CZK mil                                     181,695 194,642 273,908 310,741 356,419    
Interbank Borrowing CZK mil                                     10,716 7,091 1,977 12,580 5,953    
Customer Deposits CZK mil                                     168,792 181,523 258,906 285,145 334,251    
Retail Deposits CZK mil                                     94,448 115,863 193,352 216,915 256,052    
Corporate Deposits CZK mil                                     54,428 58,096 63,174 67,920 77,234    
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 116,907 101,223    
Term Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 168,238 233,028    
Issued Debt Securities CZK mil ... ...                                 0 2,006 7,393 7,106 10,207    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2,006 4,681 4,684 4,687    
Other Liabilities CZK mil ... ...                                 2,187 4,022 5,632 5,910 6,008    
asset quality                                                  
Non-Performing Loans CZK mil                                     3,923 2,820 5,212 5,625 3,781    
Gross Loans CZK mil                                     140,118 156,671 226,626 255,680 270,071    
Risk-Weighted Assets CZK mil                                     122,202 125,629 154,131 169,241 171,718    
Total Provisions CZK mil                                     3,919 3,080 5,744 5,692 5,097    
growth rates                                                  
Customer Loan Growth % ...                                   13.3 11.6 44.5 13.1 5.14    
Retail Loan Growth % ...                                   20.7 20.2 68.1 15.7 6.78    
Mortgage Loan Growth % ...                                   55.4 38.3 123 25.6 8.41    
Consumer Loan Growth % ...                                   3.69 6.89 15.9 -2.52 2.93    
Corporate Loan Growth % ...                                   5.87 2.23 13.1 7.15 3.15    
Total Asset Growth % ...                                   3.60 5.86 37.4 13.0 13.9    
Shareholders' Equity Growth % ...                                   -2.04 -3.27 10.8 8.99 5.46    
Customer Deposit Growth % ...                                   19.3 7.54 42.6 10.1 17.2    
Retail Deposit Growth % ...                                   13.8 22.7 66.9 12.2 18.0    
Corporate Deposit Growth % ...                                   12.2 6.74 8.74 7.51 13.7    
market share                                                  
Market Share in Customer Loans %                                     4.24 4.53 6.29 6.64 6.60    
Market Share in Corporate Loans %                                     6.05 5.96 6.72 6.81 6.74    
Market Share in Retail Loans %                                     4.55 5.15 8.13 8.55 8.72    
Market Share in Consumer Loans %                                     10.9 11.1 12.7 11.6 11.4   ...
Market Share in Mortgage Loans %                                     2.54 3.29 6.80 7.69 7.95    
Market Share in Total Assets %                                     2.84 2.90 3.78 3.99 4.35   ...
Market Share in Customer Deposits %                                     3.80 3.83 5.02 5.18 5.71    
Market Share in Retail Deposits %                                     3.69 4.25 6.33 6.64 7.54    
Market Share in Corporate Deposits %                                     5.23 5.31 5.19 5.19 5.65    
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
                                                   
ROE % ...                                   16.5 16.2 10.1 14.1 17.1    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   17.5 17.6 11.3 15.8 19.2    
ROE (@ 15% of RWA) % ...                                   23.3 21.6 12.4 16.4 20.3    
ROA % ...                                   2.07 1.89 1.00 1.24 1.43    
Return on Loans %                                     3.18 2.71 1.36 1.65 1.98    
Operating Profit (As % of RWA) % ...                                   4.41 4.44 4.70 3.48 3.83    
Costs (As % Of Assets) % ...                                   2.39 2.36 2.13 1.73 1.54    
Costs (As % Of Income) %                                     47.7 47.7 45.7 49.6 46.2    
Costs (As % Of Loans) % ...                                   3.68 3.39 2.89 2.30 2.13    
Costs (As % Of Loans & Deposits) % ...                                   1.69 1.55 1.34 1.08 0.978    
Capital Adequacy Ratio %                                     16.4 18.0 18.2 17.1 18.0    
Tier 1 Ratio %                                     16.4 16.4 15.2 14.4 15.3    
Net Interest Margin % ...                                   3.64 3.72 3.19 2.69 2.56    
Interest Spread % ...                                   3.61 3.66 3.12 2.65 2.40    
Asset Yield % ...                                   3.85 4.19 3.74 3.01 4.28    
Revenues (As % of RWA) % ...                                   8.44 8.49 8.65 6.91 7.11    
Cost Of Liabilities % ...                                   0.231 0.536 0.610 0.356 1.88    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       115 42.0 0 38.5 78.8    
Interest Income (As % Of Revenues) %                                     72.9 75.3 68.5 77.1 76.8    
Fee Income (As % Of Revenues) %                                     18.6 18.5 15.6 18.4 19.0    
Other Income (As % Of Revenues) %                                     8.47 6.12 15.9 4.56 4.18    
Staff Cost (As % Of Total Cost) %                                     47.9 46.2 45.6 46.3 45.2    
Equity (As % Of Assets) %                                     12.2 11.1 8.99 8.67 8.02    
Equity (As % Of Loans) %                                     18.0 15.6 12.0 11.5 11.6    
Loans (As % Of Deposits) %                                     83.0 86.2 87.3 89.6 80.4    
Loans (As % Assets) %                                     67.7 71.4 75.1 75.1 69.4    
NPLs (As % Of Loans) %                                     2.80 1.80 2.30 2.20 1.40    
Provisions (As % Of NPLs) %                                     99.9 109 110 101 135    
Provisions (As % Of Loans) %                                     2.80 1.97 2.54 2.23 1.90    
Cost of Provisions (As % Of Loans) % ...                                   0.208 0.484 1.86 0.289 0.034    
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
                                                   
Branches                                     202 179 159 154 153    
ATMs                                     654 632 555 560 563    
ATMs (As % of Bank Branches) %                                     324 353 349 364 368    
Employees                                     3,129 2,959 3,009 2,981 2,689    
Employees Per Bank Branch                                     15.5 16.5 18.9 19.4 17.6    
Cost Per Employee USD per month                                     2,829 2,896 3,170 3,305 3,516    
Cost Per Employee (Local Currency) CZK per month                                     61,894 65,281 69,763 71,620 78,344    
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
                                                   
Customers mil                                     1.04 1.05 1.36 1.40 1.50    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.655 ... ... ... ...
Payment Cards mil                     ... ...       ... ... ... ... ... ... ... ... ... ...
Debit Cards mil                     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Credit Cards mil                     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ...           0.022 0.030 0.068 0.082 0.087 ... ...
Number of Consumer Loans mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   0.179 0.176 0.190 0.196 0.208 ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ...           1,451,000 1,444,000 1,444,000 1,487,320 1,531,940 ... ...
Average Size of Consumer Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   241,821 262,399 282,264 266,353 258,034 ... ...
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 48.3 ... ... ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ...           2.10 2.88 4.98 5.89 5.79 ... ...
Consumer Loans (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   17.2 16.8 14.0 14.0 13.9 ... ...
Payments Cards (As % of Total Clients) %                     ... ...       ... ... ... ... ... ... ... ... ... ...
Debit Cards (As % of Total Clients) %                     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Credit Cards (As % of Total Clients) %                     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
                                                     
Market Value per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     35,760 41,367 25,606 34,243 25,891    
Revenue per Customer (Local Currency) CZK                                     9,809 10,018 8,915 7,983 8,077    
Net Profit per Customer (Local Currency) CZK                                     4,054 3,828 1,917 2,848 3,458    
Loan per Customer (Local Currency) CZK                                     135,254 148,961 166,597 182,711 179,168    
Deposit per Customer (Local Currency) CZK                                     162,927 172,879 190,793 203,821 222,834    
Market Value per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1,592 1,829 1,197 1,560 1,145    
Revenue per Customer USD                                     448 444 405 368 362    
Net Profit per Customer USD                                     185 170 87.1 131 155    
Loan per Customer USD                                     6,020 6,585 7,790 8,324 7,922    
Deposit per Customer USD                                     7,252 7,642 8,921 9,285 9,853    

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MONETA's net profit rose 14.0% yoy to CZK 1,466 mil in 1Q2025

By Helgi Library - May 24, 2025

MONETA Money Bank made a net profit of CZK 1,466 mil in the first quarter of 2025, up 14% when compared to the same period of last year. This implies a return on equity of 18.0%. Historically, the bank’s net profit reached an all time high of CZK 1,582 mil in 2Q2...

MONETA's net profit rose 14.0% yoy to CZK 1,466 mil in 1Q2025

By Helgi Library - May 24, 2025

MONETA Money Bank made a net profit of CZK 1,466 mil under revenues of CZK 3,378 mil in the first quarter of 2025, up 14% and 8.37% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 1,...

MONETA's npls (as % of loans) fell 7.14% yoy to 1.30% in 1Q2025

By Helgi Library - May 24, 2025

MONETA Money Bank's non-performing loans reached 1.30% of total loans at the end of 2025-03-31, down from 1.40% 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 1.30% in 2025-03-31. ...

MONETA's branches fell 7.46% yoy to 124 in 1Q2025

By Helgi Library - May 24, 2025

MONETA Money Bank employed 2,453 persons in 2025-03-31, down 2.82% 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 1,877 in 2003-06-30. The bank operated a network of ...

MONETA Money Bank - Market Share in Retail Deposits

By Helgi Library - March 12, 2025

MONETA Money Bank's retail deposits reached CZK 322,458 mil in 2024-09-30, down 0.800% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,846 bil in 2024-09-30, up 1.05% when compared to the last year. MONETA Money Bank ...

MONETA's net interest margin rose 4.76% yoy to 1.88% in 1Q2025

By Helgi Library - May 24, 2025

MONETA Money Bank's net interest margin amounted to 1.88% in the first quarter of 2025, down from 1.98% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 7.49% in 4Q2004 and an all time low of ...

MONETA's price/earnings (P/E) rose 25.9% yoy to 12.8 in 1Q2025

By Helgi Library - May 24, 2025

MONETA Money Bank stock traded at per share at the end first quarter of 1970 implying a market capitalization of. Since the end of 1Q1965, the stock has A PHP Error was encountered Severity: Warning Message: A non-numeric value encountered Filename: src/Environment.php(358) ...

MONETA's total revenues rose 2.04% yoy to CZK 3,245 mil in 3Q2024

By Helgi Library - March 12, 2025

MONETA Money Bank generated total banking revenues of CZK 3,245 mil in 2024-09-30, up 4.51% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 60,032 mil in 2024-09-30, down 7.58% when compared to the la...

MONETA Money Bank - Market Share in Retail Loans

By Helgi Library - March 12, 2025

MONETA Money Bank's retail loans reached CZK 180,697 mil in the third quarter of 2024, down 0.447% compared to the previous year. Czech banking sector provided retail loans of CZK 2,333 bil in 3Q2024, up 1.52% when compared to the last year. MONETA Money ...

MONETA's corporate loans rose 7.80% yoy to CZK 93,975 mil in 1Q2025

By Helgi Library - May 24, 2025

MONETA Money Bank's loans reached CZK 278,143 mil in the first quarter of 2025, up from CZK 275,867 mil when compared to the previous quarter and up from CZK 267,448 mil when compared to the same period of last year. Historically, the bank’s loans r...

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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 Logo

Finance

MONETA Money Bank has been growing its revenues and asset by 0.219% and 13.2% a year on average in the last 10 years. Its loans and deposits have grown by 9.89% and 16.1% a year during that time and loans to deposits ratio reached 64.0% at the end of 2024. The company achieved an average return on equity of 15.1% in the last decade with net profit growing 3.34% a year on average. In terms of operating efficiency, its cost to income ratio reached 44.3% in 2024, compared to 46.7% average in the last decade.

Equity represented 6.44% of total assets or 11.6% of loans at the end of 2024. MONETA Money Bank's non-performing loans were 1.30% of total loans while provisions covered some 114% of NPLs at the end of 2024.

Valuation

MONETA Money Bank stock traded at per share at the end of 2024 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 17.2% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 10.9x and price to book value (PBV) of 1.98x in 2024.

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