By Helgi Analytics - November 05, 2019
MONETA Money Bank's net interest margin amounted to 3.59% in the fourth quarter of 2019, down from 3.64% when compared to the pr...
By Helgi Analytics - November 05, 2019
MONETA Money Bank employed 2,980 persons in 2019-12-31, down 1.13% compared to the previous year. Historically, the bank's workf...
By Helgi Analytics - November 05, 2019
MONETA Money Bank's non-performing loans reached 1.80% of total loans at the end of 2019-12-31, down from 2.80% compared to the p...
| Profit Statement | 2017 | 2018 | 2019 | |
| Net Interest Income | CZK mil | 7,364 | 7,409 | 7,925 |
| Fee Income (As % Of Revenues) | % | 18.9 | 18.6 | 18.5 |
| Other Income | CZK mil | 944 | 861 | 644 |
| Total Revenues | CZK mil | 10,241 | 10,162 | 10,519 |
| Staff Cost | CZK mil | 2,456 | 2,324 | 2,318 |
| Operating Profit | CZK mil | 5,388 | 5,310 | 5,500 |
| Provisions | CZK mil | 381 | 274 | 517 |
| Net Profit | CZK mil | 3,923 | 4,200 | 4,019 |
| Balance Sheet | 2017 | 2018 | 2019 | |
| Interbank Loans | CZK mil | 53,380 | 33,436 | 23,485 |
| Customer Loans | CZK mil | 123,680 | 140,123 | 156,409 |
| Debt Securities | CZK mil | 11,828 | 20,780 | 25,972 |
| Total Assets | CZK mil | 199,734 | 206,932 | 219,053 |
| Shareholders' Equity | CZK mil | 25,763 | 25,237 | 24,411 |
| Interbank Borrowing | CZK mil | 29,643 | 10,716 | 7,091 |
| Customer Deposits | CZK mil | 141,469 | 168,792 | 181,523 |
| Issued Debt Securities | CZK mil | 68.0 | 0 | 2,006 |
| Ratios | 2017 | 2018 | 2019 | |
| ROE | % | 14.8 | 16.5 | 16.2 |
| ROA | % | 2.25 | 2.07 | 1.89 |
| Costs (As % Of Assets) | % | 2.78 | 2.39 | 2.36 |
| Costs (As % Of Income) | % | 47.4 | 47.7 | 47.7 |
| Capital Adequacy Ratio | % | 17.4 | 16.4 | 18.0 |
| Net Interest Margin | % | 4.22 | 3.64 | 3.72 |
| Loans (As % Of Deposits) | % | 87.4 | 83.0 | 86.2 |
| NPLs (As % Of Loans) | % | 4.10 | 2.80 | 1.80 |
| Provisions (As % Of NPLs) | % | 76.8 | 99.9 | 109 |
| Valuation | 2017 | 2018 | 2019 | |
| Market Capitalisation (End Of Period) | USD mil | 1,975 | 1,649 | 1,832 |
| Share Price (End Of Period) | 82.4 | 72.5 | 85.0 | |
| Price/Earnings (P/E) | 10.7 | 8.82 | 10.8 | |
| Price/Book Value (P/BV) | 1.63 | 1.47 | 1.78 | |
| Dividend Yield | % | 9.71 | 8.48 | 7.82 |
| Earnings Per Share (EPS) | 7.68 | 8.22 | 7.86 | |
| Book Value Per Share | 50.4 | 49.4 | 47.8 | |
| Dividend Per Share | 8.00 | 6.15 | 6.65 | |
Get all company financials in excel:
| summary | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | 9,828 | 9,385 | 9,310 | 8,305 | 7,364 | |||||||||||||||
| Total Revenues | CZK mil | ... | ... | 13,574 | 12,631 | 12,102 | 11,058 | 10,241 | |||||||||||||||
| Operating Profit | CZK mil | ... | ... | 7,995 | 7,183 | 6,569 | 5,974 | 5,388 | |||||||||||||||
| Net Profit | CZK mil | ... | 4,259 | 4,180 | 4,506 | 4,054 | 3,923 | ||||||||||||||||
| balance sheet | |||||||||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | 1,114 | 533 | 139 | 189 | 53,380 | |||||||||||||||
| Customer Loans | CZK mil | ... | ... | 97,493 | 107,197 | 108,437 | 111,860 | 123,680 | |||||||||||||||
| Debt Securities | CZK mil | ... | ... | 22,835 | 20,401 | 13,277 | 13,775 | 11,828 | |||||||||||||||
| Total Assets | CZK mil | ... | 134,622 | 143,403 | 140,037 | 149,379 | 199,734 | ||||||||||||||||
| Shareholders' Equity | CZK mil | ... | ... | 38,047 | 42,583 | 27,839 | 27,268 | 25,763 | |||||||||||||||
| Interbank Borrowing | CZK mil | ... | ... | 123 | 247 | 289 | 2,657 | 29,643 | |||||||||||||||
| Customer Deposits | CZK mil | ... | 93,641 | 97,006 | 108,698 | 116,252 | 141,469 | ||||||||||||||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | 5.00 | 16.0 | 8.00 | 7.00 | 68.0 | |||||||||||||
| ratios | |||||||||||||||||||||||
| ROE | % | ... | ... | 11.8 | 10.4 | 12.8 | 14.7 | 14.8 | |||||||||||||||
| ROA | % | ... | 3.14 | 3.01 | 3.18 | 2.80 | 2.25 | ||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | 4.11 | 3.92 | 3.90 | 3.51 | 2.78 | |||||||||||||||
| Costs (As % Of Income) | % | ... | ... | 41.1 | 43.1 | 45.7 | 46.0 | 47.4 | |||||||||||||||
| Capital Adequacy Ratio | % | 23.7 | 27.8 | 17.7 | 20.5 | 17.4 | |||||||||||||||||
| Net Interest Margin | % | ... | ... | 7.24 | 6.75 | 6.57 | 5.74 | 4.22 | |||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | 72.4 | 74.3 | 76.9 | 75.1 | 71.9 | |||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | 23.3 | 21.2 | 19.3 | 17.7 | 18.9 | |||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 40.8 | 36.5 | 40.5 | 44.5 | 50.6 | |||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | 28.3 | 29.7 | 19.9 | 18.3 | 12.9 | |||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | 104 | 111 | 99.8 | 96.2 | 87.4 | |||||||||||||||
| Loans (As % Assets) | % | ... | ... | 72.4 | 74.8 | 77.4 | 74.9 | 61.9 | |||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 14.8 | 12.9 | 11.7 | 5.97 | 4.10 | |||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 83.8 | 83.0 | 84.0 | 87.6 | 76.8 | |||||||||||||||
| valuation | |||||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,594 | 1,975 | ||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 510 | 511 | 511 | ||
| Share Price (End Of Period) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 80.0 | 82.4 | |||
| Earnings Per Share (EPS) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.84 | 7.93 | 7.68 | |||
| Book Value Per Share | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 54.6 | 53.4 | 50.4 | |||
| Dividend Per Share | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.84 | 9.80 | 8.00 | |||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.1 | 10.7 | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.50 | 1.63 | |||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12.3 | 9.71 | ||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -10.2 | -3.23 | ||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -2.24 | -5.52 |
| income statement | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||||||||||
| Interest Income | CZK mil | ... | ... | 10,385 | 9,670 | 9,522 | 8,494 | 7,582 | |||||||||||||||
| Interest Cost | CZK mil | ... | ... | 557 | 285 | 212 | 189 | 218 | |||||||||||||||
| Net Interest Income | CZK mil | ... | ... | 9,828 | 9,385 | 9,310 | 8,305 | 7,364 | |||||||||||||||
| Net Fee Income | CZK mil | ... | ... | 3,158 | 2,674 | 2,336 | 1,961 | 1,933 | |||||||||||||||
| Other Income | CZK mil | ... | ... | 588 | 572 | 456 | 792 | 944 | |||||||||||||||
| Total Revenues | CZK mil | ... | ... | 13,574 | 12,631 | 12,102 | 11,058 | 10,241 | |||||||||||||||
| Staff Cost | CZK mil | ... | ... | 2,275 | 1,991 | 2,243 | 2,263 | 2,456 | |||||||||||||||
| Depreciation | CZK mil | ... | ... | 531 | 479 | 520 | 310 | 414 | |||||||||||||||
| Other Cost | CZK mil | ... | ... | 2,773 | 2,978 | 2,770 | 2,511 | 1,983 | |||||||||||||||
| Operating Cost | CZK mil | ... | ... | 5,579 | 5,448 | 5,533 | 5,084 | 4,853 | |||||||||||||||
| Operating Profit | CZK mil | ... | ... | 7,995 | 7,183 | 6,569 | 5,974 | 5,388 | |||||||||||||||
| Provisions | CZK mil | ... | ... | 2,554 | 1,742 | 849 | 927 | 381 | |||||||||||||||
| Extra and Other Cost | CZK mil | ... | ... | 0 | 0 | 0 | 0 | 104 | |||||||||||||||
| Pre-Tax Profit | CZK mil | ... | ... | 5,441 | 5,441 | 5,720 | 5,047 | 4,903 | |||||||||||||||
| Tax | CZK mil | ... | ... | 1,182 | 1,261 | 1,214 | 993 | 980 | |||||||||||||||
| Minorities | CZK mil | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| Net Profit | CZK mil | ... | 4,259 | 4,180 | 4,506 | 4,054 | 3,923 | ||||||||||||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19,700 | 4,506 | 5,008 | 4,088 | ||
| growth rates | |||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | 8.30 | -4.51 | -0.799 | -10.8 | -11.3 | ||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | -3.13 | -15.3 | -12.6 | -16.1 | -1.43 | ||||||||||||||
| Total Revenue Growth | % | ... | ... | ... | 6.25 | -6.95 | -4.19 | -8.63 | -7.39 | ||||||||||||||
| Operating Cost Growth | % | ... | ... | ... | 3.51 | -2.35 | 1.56 | -8.11 | -4.54 | ||||||||||||||
| Operating Profit Growth | % | ... | ... | ... | 8.26 | -10.2 | -8.55 | -9.06 | -9.81 | ||||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | 14.3 | 0 | 5.13 | -11.8 | -2.85 | ||||||||||||||
| Net Profit Growth | % | ... | ... | 11.6 | -1.85 | 7.80 | -10.0 | -3.23 | |||||||||||||||
| market share | |||||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | 8.07 | 7.52 | 6.95 | 6.14 | 5.72 | ... | ||||||||||||||
| Market Share in Net Profit | % | ... | ... | 6.98 | 6.63 | 6.79 | 5.51 | 5.21 | ... | ||||||||||||||
| Market Share in Employees | % | 7.53 | 7.79 | 7.47 | 7.59 | 7.91 | ... | ||||||||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | 9.91 | 9.33 | ... | ... | ... | ... | ... | ||||||||
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Market Share in Branches | % | 11.3 | 11.0 | 10.9 | 11.2 | 11.7 | ... |
| balance sheet | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| balance sheet | |||||||||||||||||||||||
| Cash | CZK mil | ... | ... | 9,372 | 11,746 | 15,475 | 20,235 | 7,127 | |||||||||||||||
| Interbank Loans | CZK mil | ... | ... | 1,114 | 533 | 139 | 189 | 53,380 | |||||||||||||||
| Customer Loans | CZK mil | ... | ... | 97,493 | 107,197 | 108,437 | 111,860 | 123,680 | |||||||||||||||
| Retail Loans | CZK mil | ... | ... | 67,563 | 66,491 | 63,882 | 65,185 | 61,984 | |||||||||||||||
| Mortgage Loans | CZK mil | ... | ... | 17,640 | 16,850 | 15,387 | 15,571 | 20,338 | |||||||||||||||
| Consumer Loans | CZK mil | ... | ... | 39,168 | 36,806 | 35,933 | 42,639 | 34,969 | |||||||||||||||
| Corporate Loans | CZK mil | ... | ... | 29,930 | 40,706 | 44,555 | 46,675 | 61,696 | |||||||||||||||
| Debt Securities | CZK mil | ... | ... | 22,835 | 20,401 | 13,277 | 13,775 | 11,828 | |||||||||||||||
| Fixed Assets | CZK mil | ... | ... | ... | ... | ... | 889 | 646 | 914 | 744 | 871 | ||||||||||||
| Total Assets | CZK mil | ... | 134,622 | 143,403 | 140,037 | 149,379 | 199,734 | ||||||||||||||||
| Shareholders' Equity | CZK mil | ... | ... | 38,047 | 42,583 | 27,839 | 27,268 | 25,763 | |||||||||||||||
| Of Which Minority Interest | CZK mil | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| Liabilities | CZK mil | ... | ... | 96,575 | 100,820 | 112,198 | 122,111 | 173,971 | |||||||||||||||
| Interbank Borrowing | CZK mil | ... | ... | 123 | 247 | 289 | 2,657 | 29,643 | |||||||||||||||
| Customer Deposits | CZK mil | ... | 93,641 | 97,006 | 108,698 | 116,252 | 141,469 | ||||||||||||||||
| Retail Deposits | CZK mil | ... | ... | 68,555 | 69,182 | 73,465 | 73,167 | 83,021 | |||||||||||||||
| Corporate Deposits | CZK mil | ... | ... | 18,664 | 19,720 | 24,001 | 42,401 | 48,503 | |||||||||||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 87,413 | 93,730 | 102,515 | 67,491 | 76,408 | ||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,528 | 2,658 | 5,639 | 48,077 | 55,116 | ||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | 5.00 | 16.0 | 8.00 | 7.00 | 68.0 | |||||||||||||
| Other Liabilities | CZK mil | ... | ... | ... | ... | 2,806 | 3,551 | 3,203 | 3,195 | 2,791 | |||||||||||||
| asset quality | |||||||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | 16,513 | 15,547 | 14,023 | 7,047 | 5,236 | |||||||||||||||
| Gross Loans | CZK mil | ... | ... | 111,329 | 120,097 | 120,215 | 118,035 | 127,700 | |||||||||||||||
| Total Provisions | CZK mil | ... | ... | 13,836 | 12,900 | 11,778 | 6,175 | 4,020 | |||||||||||||||
| growth rates | |||||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | 1.21 | 9.95 | 1.16 | 3.16 | 10.6 | ||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | -2.11 | -1.59 | -3.92 | 2.04 | -4.91 | ||||||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | -10.9 | -4.48 | -8.68 | 1.20 | 30.6 | |||||||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | -20.4 | -6.03 | -2.37 | 18.7 | -18.0 | |||||||||||||
| Corporate Loan Growth | % | ... | ... | ... | 9.60 | 36.0 | 9.46 | 4.76 | 32.2 | ||||||||||||||
| Total Asset Growth | % | ... | ... | -1.76 | 6.52 | -2.35 | 6.67 | 33.7 | |||||||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | 12.4 | 11.9 | -34.6 | -2.05 | -5.52 | ||||||||||||||
| Customer Deposit Growth | % | ... | ... | -5.04 | 3.59 | 12.1 | 6.95 | 21.7 | |||||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | -4.06 | 0.915 | 6.19 | -0.406 | 13.5 | ||||||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | -6.23 | 5.66 | 21.7 | 76.7 | 14.4 | ||||||||||||||
| market share | |||||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | 3.88 | 4.07 | 3.90 | 3.79 | 4.01 | ... | ||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | 3.45 | 4.65 | 4.84 | 4.78 | 6.04 | ... | ||||||||||||||
| Market Share in Retail Loans | % | ... | ... | 11.9 | 11.1 | 10.2 | 11.6 | 9.16 | ... | ||||||||||||||
| Market Share in Consumer Loans | % | ... | ... | 5.71 | 5.40 | 4.83 | 4.59 | 4.05 | ... | ||||||||||||||
| Market Share in Mortgage Loans | % | ... | ... | 2.07 | 1.87 | 1.58 | 1.48 | 1.77 | ... | ||||||||||||||
| Market Share in Total Assets | % | ... | 2.59 | 2.66 | 2.52 | 2.48 | 2.83 | ... | |||||||||||||||
| Market Share in Customer Deposits | % | ... | 2.80 | 2.82 | 3.09 | 3.09 | 3.39 | ... | |||||||||||||||
| Market Share in Retail Deposits | % | ... | ... | 3.78 | 3.60 | 3.61 | 3.31 | 3.50 | ... | ||||||||||||||
| Market Share in Corporate Deposits | % | ... | ... | 2.40 | 2.35 | 2.60 | 4.63 | 4.87 | ... |
| ratios | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| ratios | |||||||||||||||||||||||
| ROE | % | ... | ... | 11.8 | 10.4 | 12.8 | 14.7 | 14.8 | |||||||||||||||
| ROA | % | ... | 3.14 | 3.01 | 3.18 | 2.80 | 2.25 | ||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | 4.11 | 3.92 | 3.90 | 3.51 | 2.78 | |||||||||||||||
| Costs (As % Of Income) | % | ... | ... | 41.1 | 43.1 | 45.7 | 46.0 | 47.4 | |||||||||||||||
| Capital Adequacy Ratio | % | 23.7 | 27.8 | 17.7 | 20.5 | 17.4 | |||||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | 23.7 | 27.8 | 17.7 | 20.5 | 17.4 | |||||||||
| Net Interest Margin | % | ... | ... | 7.24 | 6.75 | 6.57 | 5.74 | 4.22 | |||||||||||||||
| Interest Spread | % | ... | ... | ... | 7.09 | 6.67 | 6.52 | 5.71 | 4.20 | ||||||||||||||
| Asset Yield | % | ... | ... | 7.65 | 6.96 | 6.72 | 5.87 | 4.34 | |||||||||||||||
| Cost Of Liabilities | % | ... | ... | ... | 0.558 | 0.289 | 0.199 | 0.161 | 0.147 | ||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 471 | 100 | 124 | 104 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | 72.4 | 74.3 | 76.9 | 75.1 | 71.9 | |||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | 23.3 | 21.2 | 19.3 | 17.7 | 18.9 | |||||||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | 4.33 | 4.53 | 3.77 | 7.16 | 9.22 | |||||||||||||||
| Cost Per Employee | USD per month | ... | ... | 3,198 | 2,471 | 2,543 | 2,400 | 2,632 | |||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | 62,569 | 52,806 | 60,707 | 60,560 | 61,796 | |||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 40.8 | 36.5 | 40.5 | 44.5 | 50.6 | |||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | 28.3 | 29.7 | 19.9 | 18.3 | 12.9 | |||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | 104 | 111 | 99.8 | 96.2 | 87.4 | |||||||||||||||
| Loans (As % Assets) | % | ... | ... | 72.4 | 74.8 | 77.4 | 74.9 | 61.9 | |||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 14.8 | 12.9 | 11.7 | 5.97 | 4.10 | |||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 83.8 | 83.0 | 84.0 | 87.6 | 76.8 | |||||||||||||||
| Provisions (As % Of Loans) | % | ... | ... | 14.2 | 12.0 | 10.9 | 5.52 | 3.25 | |||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | 2.64 | 1.70 | 0.787 | 0.842 | 0.324 |
| other data | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| other data | |||||||||||||||||||||||
| Branches | 252 | 243 | 236 | 230 | 227 | ||||||||||||||||||
| Employees | 3,030 | 3,142 | 3,079 | 3,114 | 3,312 | ||||||||||||||||||
| ATMs | ... | ... | ... | 708 | 700 | 686 | 632 | 668 | |||||||||||||||
| Clients | mil | ... | ... | 1.05 | 1.03 | 1.00 | 1.07 | 1.03 | |||||||||||||||
| Payment Cards | '000 | ... | ... | ... | ... | ... | ... | ... | 1,016 | 1,028 | ... | ... | ... | ... | ... | ||||||||
| Debit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Credit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 58.1 | 54.0 | ||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Analytics - November 05, 2019
MONETA Money Bank stock traded at 85.0 per share at the end fourth quarter of 2019 implying a market capitalization of USD 1,832 mil. Since the end of 4Q2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the...
By Helgi Analytics - November 05, 2019
MONETA Money Bank's loans reached CZK 156,671 mil in the fourth quarter of 2019, up from CZK 152,466 mil when compared to the previous quarter and up from CZK 140,118 mil when compared to the same period of last year. Historically, the bank’s loans ...
By Helgi Analytics - November 05, 2019
MONETA Money Bank made a net profit of CZK 949 mil in the fourth quarter of 2019, up 13.4% when compared to the same period of last year. This implies a return on equity of 15.3%. Historically, the bank’s net profit reached an all time high of CZK 1,242 mil in 3Q...
By Helgi Analytics - November 05, 2019
MONETA Money Bank's cost to income ratio reached 48.5% in the fourth quarter of 2019, up from 43.9% 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...
By Helgi Analytics - November 05, 2019
MONETA Money Bank stock traded at 85.0 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 1,832 mil. Over the last five years, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of...
By Helgi Analytics - November 05, 2019
MONETA Money Bank employed 2,980 persons in 2019-12-31, down 1.13% when 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 1,919 in 2003-12-31. Average cost reached USD 2,954...
By Helgi Analytics - November 05, 2019
MONETA Money Bank's capital adequacy ratio reached 18.0% at the end of fourth quarter of 2019, down from 18.1% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 27.6% in 1Q2015 and an all time low of 0% in 4Q2002....
By Helgi Analytics - November 05, 2019
MONETA Money Bank generated total banking revenues of CZK 2,685 mil in the fourth quarter of 2019, up 1.82% when compared to the same period of last year and 1.51% when compared to the previous quarter. Historically, the bank’s revenues containing of interest...
By Helgi Analytics - November 05, 2019
MONETA Money Bank's retail loans reached CZK 89,641 mil at the end of 2019-12-31, up 3.62% compared to the previous year. In the last decade, the average annual loan growth amounted to 1.68%. Overall, retail loans accounted for 57.3% of the bank's loan book...
By Helgi Analytics - November 05, 2019
MONETA Money Bank's Equity reached of total assets in the 4Q2019, up from 10.9% for the previous year. As a share of net customer loans, the ratio amounted to at the end of the fourth quarter of 2019. ...
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 0.098% and 4.90% a year on average in the last 10 years. Its loans and deposits have grown by 4.82% and 5.07% a year during that time and loans to deposits ratio reached 86.2% at the end of 2019. The company achieved an average return on equity of 13.6% in the last decade with net profit growing 6.56% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.7% in 2019, compared to 44.8% average in the last decade.
Equity represented 11.1% of total assets or 15.6% of loans at the end of 2019. MONETA Money Bank's non-performing loans were 1.80% of total loans while provisions covered some 109% of NPLs at the end of 2019.
MONETA Money Bank stock traded at 85.0 per share at the end of 2019 resulting in a market capitalization of USD 1,832 mil. Over the previous three years, stock price rose by 6.25% or 2.04% a year on average. That’s compared to an average ROE of 15.8% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 10.8x and price to book value (PBV) of 1.78x in 2019.
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