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MONETA Money Bank

MONETA's mortgage loans rose 5.64% yoy to CZK 132,278 mil in 1Q2023

By Helgi Analytics - May 31, 2023

MONETA Money Bank's mortgage loans reached CZK 132,278 mil in 2023-03-31, down 0.508% compared to the previous year. Czech bank...

MONETA's net interest margin fell 25.1% yoy to 2.05% in 1Q2023

By Helgi Analytics - May 31, 2023

MONETA Money Bank's net interest margin amounted to 2.05% in the first quarter of 2023, down from 2.22% when compared to the pre...

MONETA Money Bank - Market Share in Bank Deposits

By Helgi Analytics - May 31, 2023

MONETA Money Bank's customer deposits reached CZK 320,610 mil in 2022-09-30, up 6.09% compared to the previous year. Czech bank...

Profit Statement 2020 2021 2022
Net Interest Income CZK mil 8,282 8,609 9,311
Net Fee Income CZK mil 1,891 2,050 2,298
Other Income CZK mil 1,925 509 507
Total Revenues CZK mil 12,098 11,168 12,116
Staff Cost CZK mil 2,519 2,562 2,528
Operating Profit CZK mil 6,572 5,630 6,522
Provisions CZK mil 3,562 695 90.0
Net Profit CZK mil 2,601 3,984 5,187
Balance Sheet 2020 2021 2022
Interbank Loans CZK mil 22,872 15,602 37,886
Customer Loans CZK mil 226,072 255,612 268,752
Investments CZK mil 35,917 49,200 57,951
Total Assets CZK mil 300,958 340,222 387,510
Shareholders' Equity CZK mil 27,050 29,481 31,091
Interbank Borrowing CZK mil 1,977 12,580 5,953
Customer Deposits CZK mil 258,906 285,145 334,251
Issued Debt Securities CZK mil 7,393 7,106 10,207
Ratios 2020 2021 2022
ROE % 10.1 14.1 17.1
ROA % 1.00 1.24 1.43
Costs (As % Of Assets) % 2.13 1.73 1.54
Costs (As % Of Income) % 45.7 49.6 46.2
Capital Adequacy Ratio % 18.2 17.1 18.0
Net Interest Margin % 3.19 2.69 2.56
Loans (As % Of Deposits) % 87.3 89.6 80.4
NPLs (As % Of Loans) % 2.30 2.20 1.40
Provisions (As % Of NPLs) % 110 101 135
Valuation 2020 2021 2022
Market Capitalisation USD mil 1,625 2,182 1,717
Number Of Shares mil 511 511 511
Share Price CZK 68.0 93.8 76.0
Price/Earnings (P/E) 13.4 12.0 7.49
Price/Book Value (P/BV) 1.28 1.62 1.25
Dividend Yield % 0 3.20 10.5
Earnings Per Share (EPS) CZK 5.09 7.80 10.2
Book Value Per Share CZK 52.9 57.7 60.8
Dividend Per Share CZK 0 3.00 8.00

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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
income statement                                              
Net Interest Income CZK mil                                 8,305 7,364 7,409 7,925 8,282    
Total Revenues CZK mil                                 11,058 10,241 10,162 10,519 12,098    
Operating Profit CZK mil                                 5,974 5,388 5,310 5,500 6,572    
Net Profit CZK mil                                 4,054 3,923 4,200 4,019 2,601    
balance sheet                                              
Interbank Loans CZK mil                                 189 53,380 33,436 23,485 22,872    
Customer Loans CZK mil                                 111,860 123,680 140,123 156,409 226,072    
Investments CZK mil                                 13,775 11,828 20,780 25,972 35,917    
Total Assets CZK mil                                 149,379 199,734 206,932 219,053 300,958    
                                                 
Shareholders' Equity CZK mil                                 27,268 25,763 25,237 24,411 27,050    
Interbank Borrowing CZK mil                                 2,657 29,643 10,716 7,091 1,977    
Customer Deposits CZK mil                                 116,252 141,469 168,792 181,523 258,906    
Issued Debt Securities CZK mil ... ...                             7.00 68.0 0 2,006 7,393    
ratios                                              
ROE % ...                               14.7 14.8 16.5 16.2 10.1    
ROA % ...                               2.80 2.25 2.07 1.89 1.00    
Costs (As % Of Assets) % ...                               3.51 2.78 2.39 2.36 2.13    
Costs (As % Of Income) %                                 46.0 47.4 47.7 47.7 45.7    
Capital Adequacy Ratio %                                 20.5 17.4 16.4 18.0 18.2    
Net Interest Margin % ...                               5.74 4.22 3.64 3.72 3.19    
Interest Income (As % Of Revenues) %                                 75.1 71.9 72.9 75.3 68.5    
Fee Income (As % Of Revenues) %                                 17.7 18.9 18.6 18.5 15.6    
Staff Cost (As % Of Total Cost) %                                 44.5 50.6 47.9 46.2 45.6    
Equity (As % Of Assets) %                                 18.3 12.9 12.2 11.1 8.99    
Loans (As % Of Deposits) %                                 96.2 87.4 83.0 86.2 87.3    
Loans (As % Assets) %                                 74.9 61.9 67.7 71.4 75.1    
NPLs (As % Of Loans) %                                 5.97 4.10 2.80 1.80 2.30    
Provisions (As % Of NPLs) %                                 87.6 76.8 99.9 109 110    
valuation                                              
Market Capitalisation USD mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,594 1,978 1,649 1,920 1,625    
Number Of Shares mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   511 511 511 511 511    
Share Price CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 80.0 82.4 72.5 85.0 68.0    
Earnings Per Share (EPS) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   7.93 7.68 8.22 7.86 5.09    
Book Value Per Share CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   53.4 50.4 49.4 47.8 52.9    
Dividend Per Share CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   9.80 8.00 9.45 3.30 0    
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 10.1 10.7 8.82 10.8 13.4    
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.50 1.63 1.47 1.78 1.28    
Dividend Yield % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 12.3 9.71 13.0 3.88 0    
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -10.2 -3.23 7.06 -4.31 -35.3    
Book Value Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -2.24 -5.52 -2.04 -3.27 10.8    
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
income statement                                              
Interest Income CZK mil                                 8,494 7,582 7,820 8,933 9,712    
Interest Cost CZK mil                                 189 218 411 1,008 1,430    
Net Interest Income CZK mil                                 8,305 7,364 7,409 7,925 8,282    
Net Fee Income CZK mil                                 1,961 1,933 1,892 1,950 1,891    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Other Income CZK mil                                 792 944 861 644 1,925    
Total Revenues CZK mil                                 11,058 10,241 10,162 10,519 12,098    
Staff Cost CZK mil                                 2,263 2,456 2,324 2,318 2,519    
Depreciation CZK mil                                 310 414 610 967 1,129    
Other Cost CZK mil                                 2,511 1,983 1,918 1,734 1,878    
Operating Cost CZK mil                                 5,084 4,853 4,852 5,019 5,526    
Operating Profit CZK mil                                 5,974 5,388 5,310 5,500 6,572    
Provisions CZK mil                                 927 381 274 717 3,562    
Extra and Other Cost CZK mil                                 0 104 0 -200 0    
Pre-Tax Profit CZK mil                                 5,047 4,903 5,036 4,983 3,010    
Tax CZK mil                                 993 980 836 964 409    
Minorities CZK mil                                 0 0 0 0 0    
Net Profit CZK mil                                 4,054 3,923 4,200 4,019 2,601    
Net Profit Avail. to Common CZK mil                                 4,054 3,923 4,200 4,019 2,601    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   5,008 4,088 4,829 1,686 0    
growth rates                                              
Net Interest Income Growth % ...                               -10.8 -11.3 0.611 6.96 4.50    
Net Fee Income Growth % ...                               -16.1 -1.43 -2.12 3.07 -3.03    
Total Revenue Growth % ...                               -8.63 -7.39 -0.771 3.51 15.0    
Operating Cost Growth % ...                               -8.11 -4.54 -0.021 3.44 10.1    
Operating Profit Growth % ...                               -9.06 -9.81 -1.45 3.58 19.5    
Pre-Tax Profit Growth % ...                               -11.8 -2.85 2.71 -1.05 -39.6    
Net Profit Growth % ...                               -10.0 -3.23 7.06 -4.31 -35.3    
market share                                              
Market Share in Revenues %                                 6.14 5.72 5.34 5.20 6.71    
Market Share in Net Profit %                                 5.49 5.21 5.16 4.41 5.48   ...
Market Share in Employees %                                 7.59 7.91 7.47 7.11 7.39   ...
Market Share in Bank Cards % ...                   ... ...       ... ... ... ... ... ... ... ...
Market Share in Debit Cards % ...                   ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Branches %                                 11.2 11.7 10.3 9.43 9.46   ...
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
balance sheet                                              
Cash & Cash Equivalents CZK mil                                 20,235 7,127 8,139 6,697 7,782    
Interbank Loans CZK mil                                 189 53,380 33,436 23,485 22,872    
Customer Loans CZK mil                                 111,860 123,680 140,123 156,409 226,072    
Retail Loans CZK mil                                 65,185 61,984 74,799 89,897 151,128    
Mortgage Loans CZK mil                                 15,571 20,338 31,615 43,737 97,629    
Consumer Loans CZK mil                                 49,614 41,646 43,184 46,160 53,499    
Corporate Loans CZK mil                                 46,675 61,696 65,319 66,774 75,498    
Investments CZK mil                                 13,775 11,828 20,780 25,972 35,917    
Property and Equipment CZK mil ... ... ...                           744 872 1,296 2,948 2,696    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 744 1,301 1,789 2,283 2,957    
Goodwill CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 104 8.00 ... ... ... ... ...
Total Assets CZK mil                                 149,379 199,734 206,932 219,053 300,958    
                                                 
Shareholders' Equity CZK mil                                 27,268 25,763 25,237 24,411 27,050    
Of Which Minority Interest CZK mil                                 0 0 0 0 0    
Liabilities CZK mil                                 122,111 173,971 181,695 194,642 273,908    
Interbank Borrowing CZK mil                                 2,657 29,643 10,716 7,091 1,977    
Customer Deposits CZK mil                                 116,252 141,469 168,792 181,523 258,906    
Retail Deposits CZK mil                                 73,167 83,021 94,448 115,863 193,352    
Corporate Deposits CZK mil                                 42,401 48,503 54,428 58,096 63,174    
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Term Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Issued Debt Securities CZK mil ... ...                             7.00 68.0 0 2,006 7,393    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2,006 4,681    
Other Liabilities CZK mil ... ...                             3,195 2,791 2,187 4,022 5,632    
asset quality                                              
Non-Performing Loans CZK mil                                 7,047 5,236 3,923 2,820 5,212    
Gross Loans CZK mil                                 118,035 127,700 140,118 156,671 226,626    
Risk-Weighted Assets CZK mil                                 109,301 118,547 122,202 125,629 154,131    
Total Provisions CZK mil                                 6,175 4,020 3,919 3,080 5,744    
growth rates                                              
Customer Loan Growth % ...                               3.16 10.6 13.3 11.6 44.5    
Retail Loan Growth % ...                               2.04 -4.91 20.7 20.2 68.1    
Mortgage Loan Growth % ...                               1.20 30.6 55.4 38.3 123    
Consumer Loan Growth % ...                               2.31 -16.1 3.69 6.89 15.9    
Corporate Loan Growth % ...                               4.76 32.2 5.87 2.23 13.1    
Total Asset Growth % ...                               6.67 33.7 3.60 5.86 37.4    
Shareholders' Equity Growth % ...                               -2.05 -5.52 -2.04 -3.27 10.8    
Customer Deposit Growth % ...                               6.95 21.7 19.3 7.54 42.6    
Retail Deposit Growth % ...                               -0.406 13.5 13.8 22.7 66.9    
Corporate Deposit Growth % ...                               76.7 14.4 12.2 6.74 8.74    
market share                                              
Market Share in Customer Loans %                                 3.79 4.01 4.24 4.53 6.29    
Market Share in Corporate Loans %                                 4.78 6.04 6.05 5.96 6.72    
Market Share in Retail Loans %                                 4.60 4.06 4.55 5.15 8.13    
Market Share in Consumer Loans %                                 13.5 10.9 10.8 11.1 12.7    
Market Share in Mortgage Loans %                                 1.48 1.77 2.54 3.29 6.80    
Market Share in Total Assets %                                 2.51 2.85 2.84 2.90 3.78   ...
Market Share in Customer Deposits %                                 3.09 3.39 3.80 3.83 5.02    
Market Share in Retail Deposits %                                 3.31 3.50 3.69 4.25 6.33   ...
Market Share in Corporate Deposits %                                 4.63 4.87 5.23 5.31 5.19   ...
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
                                               
ROE % ...                               14.7 14.8 16.5 16.2 10.1    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 15.4 17.5 17.6 11.3    
ROE (@ 15% of RWA) % ...                               22.9 23.0 23.3 21.6 12.4    
ROA % ...                               2.80 2.25 2.07 1.89 1.00    
Return on Loans % ...                               3.68 3.33 3.18 2.71 1.36    
Operating Profit (As % of RWA) % ...                               5.07 4.73 4.41 4.44 4.70    
Costs (As % Of Assets) % ...                               3.51 2.78 2.39 2.36 2.13    
Costs (As % Of Income) %                                 46.0 47.4 47.7 47.7 45.7    
Costs (As % Of Loans) % ...                               4.62 4.12 3.68 3.39 2.89    
Costs (As % Of Loans & Deposits) % ...                               2.28 1.97 1.69 1.55 1.34    
Capital Adequacy Ratio %                                 20.5 17.4 16.4 18.0 18.2    
Tier 1 Ratio %                                 20.5 17.4 16.4 16.4 15.2    
Net Interest Margin % ...                               5.74 4.22 3.64 3.72 3.19    
Interest Spread % ...                               5.71 4.20 3.61 3.66 3.12    
Asset Yield % ...                               5.87 4.34 3.85 4.19 3.74    
Revenues (As % of RWA) % ...                               9.38 8.99 8.44 8.49 8.65    
Cost Of Liabilities % ...                               0.161 0.147 0.231 0.536 0.610    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   124 104 115 42.0 0    
Interest Income (As % Of Revenues) %                                 75.1 71.9 72.9 75.3 68.5    
Fee Income (As % Of Revenues) %                                 17.7 18.9 18.6 18.5 15.6    
Other Income (As % Of Revenues) %                                 7.16 9.22 8.47 6.12 15.9    
Staff Cost (As % Of Total Cost) %                                 44.5 50.6 47.9 46.2 45.6    
Equity (As % Of Assets) %                                 18.3 12.9 12.2 11.1 8.99    
Equity (As % Of Loans) %                                 24.4 20.8 18.0 15.6 12.0    
Loans (As % Of Deposits) %                                 96.2 87.4 83.0 86.2 87.3    
Loans (As % Assets) %                                 74.9 61.9 67.7 71.4 75.1    
NPLs (As % Of Loans) %                                 5.97 4.10 2.80 1.80 2.30    
Provisions (As % Of NPLs) %                                 87.6 76.8 99.9 109 110    
Provisions (As % Of Loans) %                                 5.52 3.25 2.80 1.97 2.54    
Cost of Provisions (As % Of Loans) % ...                               0.842 0.324 0.208 0.484 1.86    
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
                                               
Branches                                 230 227 202 179 159    
ATMs ...                               632 668 654 632 555    
ATMs (As % of Bank Branches) % ...                               275 294 324 353 349    
Employees                                 3,114 3,312 3,129 2,959 3,009    
Employees Per Bank Branch                                 13.5 14.6 15.5 16.5 18.9    
Cost Per Employee USD per month                                 2,400 2,634 2,829 2,896 3,170    
Cost Per Employee (Local Currency) CZK per month                                 60,560 61,796 61,894 65,281 69,763    
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
                                               
Customers mil                                 1.07 1.03 1.04 1.05 1.36    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.655 ... ...
Payment Cards mil ...                   ... ...       ... ... ... ... ... ... ... ...
Debit Cards mil ...                   ... ... ... ... ... ... ... ... ... ... ... ... ...
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ...       0.012 0.015 0.022 0.030 0.068    
Number of Consumer Loans mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.193 0.179 0.176 0.190    
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ...       1,352,000 1,393,000 1,451,000 1,444,000 1,444,000    
Average Size of Consumer Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 216,262 241,821 262,399 282,264    
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 48.3 ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ...       1.08 1.41 2.10 2.88 4.98    
Consumer Loans (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 18.6 17.2 16.8 14.0    
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 25,607    
Revenue per Customer (Local Currency) CZK                                 10,383 9,914 9,809 10,018 8,915    
Net Profit per Customer (Local Currency) CZK                                 3,807 3,798 4,054 3,828 1,917    
Loan per Customer (Local Currency) CZK                                 105,033 119,729 135,254 148,961 166,597    
Deposit per Customer (Local Currency) CZK                                 109,157 136,950 162,927 172,879 190,793    
Market Value per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,497 1,914 1,592 1,829 1,197    
Revenue per Customer USD                                 412 422 448 444 405    
Net Profit per Customer USD                                 151 162 185 170 87.1    
Loan per Customer USD                                 4,097 5,623 6,020 6,585 7,790    
Deposit per Customer USD                                 4,257 6,432 7,252 7,642 8,921    

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MONETA Money Bank - Market Share in Bank Loans

By Helgi Analytics - May 31, 2023

MONETA Money Bank's customer loans reached CZK 268,766 mil in 2022-09-30, up 1.09% compared to the previous year. Czech banking sector provided customer loans of CZK 4,064 bil in 2022-09-30, up 2.69% when compared to the last year. MONETA Money Bank accou...

MONETA's net profit fell 5.81% yoy to CZK 1,215 mil in 1Q2023

By Helgi Analytics - May 31, 2023

MONETA Money Bank made a net profit of CZK 1,215 mil in the first quarter of 2023, down 5.81% 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 1,582 mil in...

MONETA's net profit fell 5.81% yoy to CZK 1,215 mil in 1Q2023

By Helgi Analytics - May 31, 2023

MONETA Money Bank made a net profit of CZK 1,215 mil under revenues of CZK 2,844 mil in the first quarter of 2023, down 5.81% and 5.95% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZ...

MONETA's retail deposits rose 22.0% yoy to CZK 243,625 mil in 3Q2022

By Helgi Analytics - May 31, 2023

MONETA Money Bank's retail deposits reached CZK 243,625 mil in 2022-09-30, up 8.92% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,346 bil in 2022-09-30, up 0.685% when compared to the last year. MONETA Money Bank ac...

MONETA's branches fell 9.09% yoy to 140 in 1Q2023

By Helgi Analytics - May 31, 2023

MONETA Money Bank employed 2,553 persons in 2023-03-31, down 5.41% 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 ...

MONETA's npls (as % of loans) fell 27.8% yoy to 1.30% in 1Q2023

By Helgi Analytics - May 31, 2023

MONETA Money Bank's non-performing loans reached 1.30% of total loans at the end of 2023-03-31, down from 1.80% 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 2023-03-31. ...

MONETA Money Bank - Market Share in Retail Loans

By Helgi Analytics - May 31, 2023

MONETA Money Bank's retail loans reached CZK 186,146 mil in the third quarter of 2022, up 1.06% compared to the previous year. Czech banking sector provided retail loans of CZK 2,121 bil in 3Q2022, up 1.19% when compared to the last year. MONETA Money Ban...

MONETA's corporate loans rose 1.89% yoy to CZK 81,957 mil in 1Q2023

By Helgi Analytics - May 31, 2023

MONETA Money Bank's loans reached CZK 267,312 mil in the first quarter of 2023, down from CZK 270,071 mil when compared to the previous quarter and up from CZK 258,554 mil when compared to the same period of last year. Historically, the bank’s loans...

MONETA's costs (as % of assets) fell 9.18% yoy to 1.56% in 1Q2023

By Helgi Analytics - May 31, 2023

MONETA Money Bank's cost to income ratio reached 54.3% in the first quarter of 2023, up from 48.0% 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 4Q2...

MONETA's corporate deposits rose 14.2% yoy to CZK 76,429 mil in 3Q2022

By Helgi Analytics - May 31, 2023

MONETA Money Bank's corporate deposits reached CZK 76,429 mil in 2022-09-30, up 4.93% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,408 bil in 2022-09-30, up 6.41% when compared to the last year. MONETA Money Ban...

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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.

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Finance

MONETA Money Bank has been growing its revenues and asset by % and % a year on average in the last 10 years. Its loans and deposits have grown by % and % 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 % 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.

Valuation

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.