By Helgi Analytics - February 15, 2021
MONETA Money Bank's mortgage loans reached CZK 97,629 mil in 2020-12-31, up 8.00% compared to the previous year. Czech banking ...
By Helgi Analytics - February 15, 2021
MONETA Money Bank's retail loans reached CZK 151,128 mil in the fourth quarter of 2020, up 3.66% compared to the previous year. ...
By Helgi Analytics - February 15, 2021
MONETA Money Bank's net interest margin amounted to 2.72% in the fourth quarter of 2020, up from 2.53% when compared to the prev...
| Profit Statement | 2018 | 2019 | 2020 | |
| Net Interest Income | CZK mil | 7,409 | 7,925 | 8,282 |
| Net Fee Income | CZK mil | 1,892 | 1,950 | 1,891 |
| Other Income | CZK mil | 861 | 644 | 1,925 |
| Total Revenues | CZK mil | 10,162 | 10,519 | 12,098 |
| Staff Cost | CZK mil | 2,324 | 2,318 | 2,519 |
| Operating Profit | CZK mil | 5,310 | 5,500 | 6,572 |
| Provisions | CZK mil | 274 | 717 | 3,562 |
| Net Profit | CZK mil | 4,200 | 4,019 | 2,601 |
| Balance Sheet | 2018 | 2019 | 2020 | |
| Interbank Loans | CZK mil | 33,436 | 23,485 | 22,872 |
| Customer Loans | CZK mil | 140,123 | 156,409 | 226,072 |
| Debt Securities | CZK mil | 20,780 | 25,972 | 35,917 |
| Total Assets | CZK mil | 206,932 | 219,053 | 300,958 |
| Shareholders' Equity | CZK mil | 25,237 | 24,411 | 27,050 |
| Interbank Borrowing | CZK mil | 10,716 | 7,091 | 1,977 |
| Customer Deposits | CZK mil | 168,792 | 181,523 | 258,906 |
| Issued Debt Securities | CZK mil | 0 | 2,006 | 7,393 |
| Ratios | 2018 | 2019 | 2020 | |
| ROE | % | 16.5 | 16.2 | 10.1 |
| ROA | % | 2.07 | 1.89 | 1.00 |
| Costs (As % Of Assets) | % | 2.39 | 2.36 | 2.13 |
| Costs (As % Of Income) | % | 47.7 | 47.7 | 45.7 |
| Capital Adequacy Ratio | % | 16.4 | 18.0 | 18.2 |
| Net Interest Margin | % | 3.64 | 3.72 | 3.19 |
| Loans (As % Of Deposits) | % | 83.0 | 86.2 | 87.3 |
| NPLs (As % Of Loans) | % | 2.80 | 1.80 | 2.30 |
| Provisions (As % Of NPLs) | % | 99.9 | 109 | 110 |
| Valuation | 2018 | 2019 | 2020 | |
| Market Capitalisation (End Of Period) | USD mil | 1,649 | 1,920 | 1,393 |
| Share Price (End Of Period) | 72.5 | 85.0 | 68.0 | |
| Price/Earnings (P/E) | 8.82 | 10.8 | 13.4 | |
| Price/Book Value (P/BV) | 1.47 | 1.78 | 1.28 | |
| Dividend Yield | % | 8.48 | 7.82 | 5.61 |
| Earnings Per Share (EPS) | 8.22 | 7.86 | 5.09 | |
| Book Value Per Share | 49.4 | 47.8 | 52.9 | |
| Dividend Per Share | 6.15 | 6.65 | 3.82 | |
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 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| income statement | |||||||||||||||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | 9,385 | 9,310 | 8,305 | 7,364 | 7,409 | |||||||||||||||||||||
| Total Revenues | CZK mil | ... | ... | 12,631 | 12,102 | 11,058 | 10,241 | 10,162 | |||||||||||||||||||||
| Operating Profit | CZK mil | ... | ... | 7,183 | 6,569 | 5,974 | 5,388 | 5,310 | |||||||||||||||||||||
| Net Profit | CZK mil | ... | 4,180 | 4,506 | 4,054 | 3,923 | 4,200 | ||||||||||||||||||||||
| balance sheet | |||||||||||||||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | 533 | 139 | 189 | 53,380 | 33,436 | |||||||||||||||||||||
| Customer Loans | CZK mil | ... | ... | 107,197 | 108,437 | 111,860 | 123,680 | 140,123 | |||||||||||||||||||||
| Debt Securities | CZK mil | ... | ... | 20,401 | 13,277 | 13,775 | 11,828 | 20,780 | |||||||||||||||||||||
| Total Assets | CZK mil | ... | 143,403 | 140,037 | 149,379 | 199,734 | 206,932 | ||||||||||||||||||||||
| Shareholders' Equity | CZK mil | ... | ... | 42,583 | 27,839 | 27,268 | 25,763 | 25,237 | |||||||||||||||||||||
| Interbank Borrowing | CZK mil | ... | ... | 247 | 289 | 2,657 | 29,643 | 10,716 | |||||||||||||||||||||
| Customer Deposits | CZK mil | ... | 97,006 | 108,698 | 116,252 | 141,469 | 168,792 | ||||||||||||||||||||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | 16.0 | 8.00 | 7.00 | 68.0 | 0 | |||||||||||||||||||
| ratios | |||||||||||||||||||||||||||||
| ROE | % | ... | ... | 10.4 | 12.8 | 14.7 | 14.8 | 16.5 | |||||||||||||||||||||
| ROA | % | ... | 3.01 | 3.18 | 2.80 | 2.25 | 2.07 | ||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | 3.92 | 3.90 | 3.51 | 2.78 | 2.39 | |||||||||||||||||||||
| Costs (As % Of Income) | % | ... | ... | 43.1 | 45.7 | 46.0 | 47.4 | 47.7 | |||||||||||||||||||||
| Capital Adequacy Ratio | % | 27.8 | 17.7 | 20.5 | 17.4 | 16.4 | |||||||||||||||||||||||
| Net Interest Margin | % | ... | ... | 6.75 | 6.57 | 5.74 | 4.22 | 3.64 | |||||||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | 74.3 | 76.9 | 75.1 | 71.9 | 72.9 | |||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | 21.2 | 19.3 | 17.7 | 18.9 | 18.6 | |||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 36.5 | 40.5 | 44.5 | 50.6 | 47.9 | |||||||||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | 29.7 | 19.9 | 18.3 | 12.9 | 12.2 | |||||||||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | 111 | 99.8 | 96.2 | 87.4 | 83.0 | |||||||||||||||||||||
| Loans (As % Assets) | % | ... | ... | 74.8 | 77.4 | 74.9 | 61.9 | 67.7 | |||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 12.9 | 11.7 | 5.97 | 4.10 | 2.80 | |||||||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 83.0 | 84.0 | 87.6 | 76.8 | 99.9 | |||||||||||||||||||||
| valuation | |||||||||||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,594 | 1,975 | 1,649 | |||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 510 | 511 | 511 | 511 | |||||||
| Share Price (End Of Period) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 80.0 | 82.4 | 72.5 | ||||||||
| Earnings Per Share (EPS) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.84 | 7.93 | 7.68 | 8.22 | ||||||||
| Book Value Per Share | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 54.6 | 53.4 | 50.4 | 49.4 | ||||||||
| Dividend Per Share | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.84 | 9.80 | 8.00 | 6.15 | ||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.1 | 10.7 | 8.82 | ||||||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.50 | 1.63 | 1.47 | ||||||||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12.3 | 9.71 | 8.48 | |||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -10.2 | -3.23 | 7.06 | |||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -2.24 | -5.52 | -2.04 |
| 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 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| income statement | |||||||||||||||||||||||||||||
| Interest Income | CZK mil | ... | ... | 9,670 | 9,522 | 8,494 | 7,582 | 7,820 | |||||||||||||||||||||
| Interest Cost | CZK mil | ... | ... | 285 | 212 | 189 | 218 | 411 | |||||||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | 9,385 | 9,310 | 8,305 | 7,364 | 7,409 | |||||||||||||||||||||
| Net Fee Income | CZK mil | ... | ... | 2,674 | 2,336 | 1,961 | 1,933 | 1,892 | |||||||||||||||||||||
| Other Income | CZK mil | ... | ... | 572 | 456 | 792 | 944 | 861 | |||||||||||||||||||||
| Total Revenues | CZK mil | ... | ... | 12,631 | 12,102 | 11,058 | 10,241 | 10,162 | |||||||||||||||||||||
| Staff Cost | CZK mil | ... | ... | 1,991 | 2,243 | 2,263 | 2,456 | 2,324 | |||||||||||||||||||||
| Depreciation | CZK mil | ... | ... | 479 | 520 | 310 | 414 | 610 | |||||||||||||||||||||
| Other Cost | CZK mil | ... | ... | 2,978 | 2,770 | 2,511 | 1,983 | 1,918 | |||||||||||||||||||||
| Operating Cost | CZK mil | ... | ... | 5,448 | 5,533 | 5,084 | 4,853 | 4,852 | |||||||||||||||||||||
| Operating Profit | CZK mil | ... | ... | 7,183 | 6,569 | 5,974 | 5,388 | 5,310 | |||||||||||||||||||||
| Provisions | CZK mil | ... | ... | 1,742 | 849 | 927 | 381 | 274 | |||||||||||||||||||||
| Extra and Other Cost | CZK mil | ... | ... | 0 | 0 | 0 | 104 | 0 | |||||||||||||||||||||
| Pre-Tax Profit | CZK mil | ... | ... | 5,441 | 5,720 | 5,047 | 4,903 | 5,036 | |||||||||||||||||||||
| Tax | CZK mil | ... | ... | 1,261 | 1,214 | 993 | 980 | 836 | |||||||||||||||||||||
| Minorities | CZK mil | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||
| Net Profit | CZK mil | ... | 4,180 | 4,506 | 4,054 | 3,923 | 4,200 | ||||||||||||||||||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19,700 | 4,506 | 5,008 | 4,088 | 3,143 | |||||||
| growth rates | |||||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | -4.51 | -0.799 | -10.8 | -11.3 | 0.611 | ||||||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | -15.3 | -12.6 | -16.1 | -1.43 | -2.12 | ||||||||||||||||||||
| Total Revenue Growth | % | ... | ... | ... | -6.95 | -4.19 | -8.63 | -7.39 | -0.771 | ||||||||||||||||||||
| Operating Cost Growth | % | ... | ... | ... | -2.35 | 1.56 | -8.11 | -4.54 | -0.021 | ||||||||||||||||||||
| Operating Profit Growth | % | ... | ... | ... | -10.2 | -8.55 | -9.06 | -9.81 | -1.45 | ||||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | 0 | 5.13 | -11.8 | -2.85 | 2.71 | ||||||||||||||||||||
| Net Profit Growth | % | ... | ... | -1.85 | 7.80 | -10.0 | -3.23 | 7.06 | |||||||||||||||||||||
| market share | |||||||||||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | 7.52 | 6.95 | 6.14 | 5.72 | 5.34 | ... | ... | ... | ... | ... | ... | ... | ||||||||||||||
| Market Share in Net Profit | % | ... | ... | 6.63 | 6.79 | 5.51 | 5.21 | 5.16 | ... | ... | ... | ... | ... | ... | ... | ||||||||||||||
| Market Share in Employees | % | 7.79 | 7.47 | 7.59 | 7.91 | 7.47 | ... | ... | ... | ... | ... | ... | ... | ||||||||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | 9.33 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Market Share in Branches | % | 11.0 | 10.9 | 11.2 | 11.7 | 10.3 | ... | ... | ... | ... | ... | ... | ... |
| 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 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| balance sheet | |||||||||||||||||||||||||||||
| Cash | CZK mil | ... | ... | 11,746 | 15,475 | 20,235 | 7,127 | 8,139 | |||||||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | 533 | 139 | 189 | 53,380 | 33,436 | |||||||||||||||||||||
| Customer Loans | CZK mil | ... | ... | 107,197 | 108,437 | 111,860 | 123,680 | 140,123 | |||||||||||||||||||||
| Retail Loans | CZK mil | ... | ... | 66,491 | 63,882 | 65,185 | 61,984 | 74,799 | |||||||||||||||||||||
| Mortgage Loans | CZK mil | ... | ... | 16,850 | 15,387 | 15,571 | 20,338 | 31,365 | |||||||||||||||||||||
| Consumer Loans | CZK mil | ... | ... | 36,806 | 35,933 | 42,639 | 34,969 | 43,434 | |||||||||||||||||||||
| Corporate Loans | CZK mil | ... | ... | 40,706 | 44,555 | 46,675 | 61,696 | 65,319 | |||||||||||||||||||||
| Debt Securities | CZK mil | ... | ... | 20,401 | 13,277 | 13,775 | 11,828 | 20,780 | |||||||||||||||||||||
| Fixed Assets | CZK mil | ... | ... | ... | ... | ... | 646 | 914 | 744 | 871 | 3,085 | ||||||||||||||||||
| Total Assets | CZK mil | ... | 143,403 | 140,037 | 149,379 | 199,734 | 206,932 | ||||||||||||||||||||||
| Shareholders' Equity | CZK mil | ... | ... | 42,583 | 27,839 | 27,268 | 25,763 | 25,237 | |||||||||||||||||||||
| Of Which Minority Interest | CZK mil | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||
| Liabilities | CZK mil | ... | ... | 100,820 | 112,198 | 122,111 | 173,971 | 181,695 | |||||||||||||||||||||
| Interbank Borrowing | CZK mil | ... | ... | 247 | 289 | 2,657 | 29,643 | 10,716 | |||||||||||||||||||||
| Customer Deposits | CZK mil | ... | 97,006 | 108,698 | 116,252 | 141,469 | 168,792 | ||||||||||||||||||||||
| Retail Deposits | CZK mil | ... | ... | 69,182 | 73,465 | 73,167 | 83,021 | 94,448 | |||||||||||||||||||||
| Corporate Deposits | CZK mil | ... | ... | 19,720 | 24,001 | 42,401 | 48,503 | 54,428 | |||||||||||||||||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 93,730 | 102,515 | 67,491 | 76,408 | 85,475 | ... | ... | ... | ... | ... | |||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,658 | 5,639 | 48,077 | 55,116 | 83,317 | ... | ... | ... | ... | ... | |||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | 16.0 | 8.00 | 7.00 | 68.0 | 0 | |||||||||||||||||||
| Other Liabilities | CZK mil | ... | ... | ... | ... | 3,551 | 3,203 | 3,195 | 2,791 | 2,187 | |||||||||||||||||||
| asset quality | |||||||||||||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | 15,547 | 14,023 | 7,047 | 5,236 | 3,923 | |||||||||||||||||||||
| Gross Loans | CZK mil | ... | ... | 120,097 | 120,215 | 118,035 | 127,700 | 140,118 | |||||||||||||||||||||
| Total Provisions | CZK mil | ... | ... | 12,900 | 11,778 | 6,175 | 4,020 | 3,919 | |||||||||||||||||||||
| growth rates | |||||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | 9.95 | 1.16 | 3.16 | 10.6 | 13.3 | ||||||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | -1.59 | -3.92 | 2.04 | -4.91 | 20.7 | ||||||||||||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | -4.48 | -8.68 | 1.20 | 30.6 | 54.2 | |||||||||||||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | -6.03 | -2.37 | 18.7 | -18.0 | 24.2 | |||||||||||||||||||
| Corporate Loan Growth | % | ... | ... | ... | 36.0 | 9.46 | 4.76 | 32.2 | 5.87 | ||||||||||||||||||||
| Total Asset Growth | % | ... | ... | 6.52 | -2.35 | 6.67 | 33.7 | 3.60 | |||||||||||||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | 11.9 | -34.6 | -2.05 | -5.52 | -2.04 | ||||||||||||||||||||
| Customer Deposit Growth | % | ... | ... | 3.59 | 12.1 | 6.95 | 21.7 | 19.3 | |||||||||||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | 0.915 | 6.19 | -0.406 | 13.5 | 13.8 | ||||||||||||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | 5.66 | 21.7 | 76.7 | 14.4 | 12.2 | ||||||||||||||||||||
| market share | |||||||||||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | 4.07 | 3.90 | 3.79 | 4.01 | 4.24 | ... | ... | ... | ... | ... | ||||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | 4.65 | 4.84 | 4.78 | 6.04 | 6.05 | ... | ... | ... | ... | ... | ||||||||||||||||
| Market Share in Retail Loans | % | ... | ... | 11.1 | 10.2 | 11.6 | 9.16 | 10.9 | ... | ... | ... | ... | ... | ||||||||||||||||
| Market Share in Consumer Loans | % | ... | ... | 5.40 | 4.83 | 4.59 | 4.05 | 4.54 | ... | ... | ... | ... | ... | ||||||||||||||||
| Market Share in Mortgage Loans | % | ... | ... | 1.87 | 1.58 | 1.48 | 1.77 | 2.52 | ... | ... | ... | ... | ... | ||||||||||||||||
| Market Share in Total Assets | % | ... | 2.66 | 2.52 | 2.48 | 2.83 | 2.82 | ... | ... | ... | ... | ... | |||||||||||||||||
| Market Share in Customer Deposits | % | ... | 2.82 | 3.09 | 3.09 | 3.39 | 3.80 | ... | ... | ... | ... | ... | |||||||||||||||||
| Market Share in Retail Deposits | % | ... | ... | 3.60 | 3.61 | 3.31 | 3.50 | 3.69 | ... | ... | ... | ... | ... | ||||||||||||||||
| Market Share in Corporate Deposits | % | ... | ... | 2.35 | 2.60 | 4.63 | 4.87 | 5.23 | ... | ... | ... | ... | ... |
| ratios | Unit | 1998 | 1999 | 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 |
| ratios | |||||||||||||||||||||||||||||
| ROE | % | ... | ... | 10.4 | 12.8 | 14.7 | 14.8 | 16.5 | |||||||||||||||||||||
| ROA | % | ... | 3.01 | 3.18 | 2.80 | 2.25 | 2.07 | ||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | 3.92 | 3.90 | 3.51 | 2.78 | 2.39 | |||||||||||||||||||||
| Costs (As % Of Income) | % | ... | ... | 43.1 | 45.7 | 46.0 | 47.4 | 47.7 | |||||||||||||||||||||
| Capital Adequacy Ratio | % | 27.8 | 17.7 | 20.5 | 17.4 | 16.4 | |||||||||||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | 27.8 | 17.7 | 20.5 | 17.4 | 16.4 | |||||||||||||||
| Net Interest Margin | % | ... | ... | 6.75 | 6.57 | 5.74 | 4.22 | 3.64 | |||||||||||||||||||||
| Interest Spread | % | ... | ... | ... | 6.67 | 6.52 | 5.71 | 4.20 | 3.61 | ||||||||||||||||||||
| Asset Yield | % | ... | ... | 6.96 | 6.72 | 5.87 | 4.34 | 3.85 | |||||||||||||||||||||
| Cost Of Liabilities | % | ... | ... | ... | 0.289 | 0.199 | 0.161 | 0.147 | 0.231 | ||||||||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 471 | 100 | 124 | 104 | 74.8 | |||||||
| Interest Income (As % Of Revenues) | % | ... | ... | 74.3 | 76.9 | 75.1 | 71.9 | 72.9 | |||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | 21.2 | 19.3 | 17.7 | 18.9 | 18.6 | |||||||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | 4.53 | 3.77 | 7.16 | 9.22 | 8.47 | |||||||||||||||||||||
| Cost Per Employee | USD per month | ... | ... | 2,471 | 2,543 | 2,400 | 2,632 | 2,827 | |||||||||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | 52,806 | 60,707 | 60,560 | 61,796 | 61,894 | |||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 36.5 | 40.5 | 44.5 | 50.6 | 47.9 | |||||||||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | 29.7 | 19.9 | 18.3 | 12.9 | 12.2 | |||||||||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | 111 | 99.8 | 96.2 | 87.4 | 83.0 | |||||||||||||||||||||
| Loans (As % Assets) | % | ... | ... | 74.8 | 77.4 | 74.9 | 61.9 | 67.7 | |||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 12.9 | 11.7 | 5.97 | 4.10 | 2.80 | |||||||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 83.0 | 84.0 | 87.6 | 76.8 | 99.9 | |||||||||||||||||||||
| Provisions (As % Of Loans) | % | ... | ... | 12.0 | 10.9 | 5.52 | 3.25 | 2.80 | |||||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | 1.70 | 0.787 | 0.842 | 0.324 | 0.208 |
| 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 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Branches | 243 | 236 | 230 | 227 | 202 | ... | ... | ... | ... | ... | |||||||||||||||||||
| Employees | 3,142 | 3,079 | 3,114 | 3,312 | 3,129 | ||||||||||||||||||||||||
| ATMs | ... | ... | ... | 700 | 686 | 632 | 668 | 654 | ... | ... | ... | ... | ... | ||||||||||||||||
| Clients | mil | ... | ... | 1.03 | 1.00 | 1.07 | 1.03 | 1.04 | ... | ... | ... | ... | ... | ||||||||||||||||
| Payment Cards | '000 | ... | ... | ... | ... | ... | ... | ... | 1,028 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Debit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Credit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 58.1 | 54.0 | 50.6 | ... | ... | ... | ... | ... | ||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 122,202 |
Get all company financials in excel:
By Helgi Analytics - February 15, 2021
MONETA Money Bank stock traded at 68.0 per share at the end fourth quarter of 2020 implying a market capitalization of USD 1,628 mil. Since the end of 4Q2015, the stock has A PHP Error was encountered Severity: Warning Message: A non-numeric value encountered Filename: src/En...
By Helgi Analytics - February 15, 2021
MONETA Money Bank's customer deposits reached CZK 258,906 mil in 2020-12-31, down 5.86% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,162 bil in 2020-12-31, down 6.99% when compared to the last year. MONETA Money ...
By Helgi Analytics - February 15, 2021
MONETA Money Bank's customer loans reached CZK 226,072 mil in 2020-12-31, up 2.49% compared to the previous year. Czech banking sector provided customer loans of CZK 3,596 bil in 2020-12-31, down 0.651% when compared to the last year. MONETA Money Bank ac...
By Helgi Analytics - February 15, 2021
MONETA Money Bank's retail deposits reached CZK 193,352 mil in 2020-12-31, up 0.644% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,057 bil in 2020-12-31, up 3.25% when compared to the last year. MONETA Money Bank ac...
By Helgi Analytics - February 15, 2021
MONETA Money Bank employed 3,009 persons in 2020-12-31, up 1.21% 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 15, 2021
MONETA Money Bank's non-performing loans reached 2.30% of total loans at the end of 2020-12-31, up 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 1.50% in 2020-09-30. ...
By Helgi Analytics - February 15, 2021
MONETA Money Bank's loans reached CZK 226,626 mil in the fourth quarter of 2020, up from CZK 222,812 mil when compared to the previous quarter and up from CZK 156,671 mil when compared to the same period of last year. Historically, the bank’s loans ...
By Helgi Analytics - February 15, 2021
MONETA Money Bank made a net profit of CZK 685 mil in the fourth quarter of 2020, down 27.8% when compared to the same period of last year. This implies a return on equity of 10.3%. Historically, the bank’s net profit reached an all time high of CZK 1,242 mil in ...
By Helgi Analytics - February 15, 2021
MONETA Money Bank made a net profit of CZK 685 mil under revenues of CZK 2,744 mil in the fourth quarter of 2020, down 27.8% and up 2.2% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high ...
By Helgi Analytics - February 15, 2021
MONETA Money Bank's cost to income ratio reached 53.2% in the fourth quarter of 2020, up from 50.1% 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 1.67% and 9.56% a year on average in the last 10 years. Its loans and deposits have grown by 11.5% and 10.6% a year during that time and loans to deposits ratio reached 108% at the end of 2025. The company achieved an average return on equity of 13.7% in the last decade with net profit growing 1.61% a year on average. In terms of operating efficiency, its cost to income ratio reached 40.1% in 2025, compared to 45.9% average in the last decade.
Equity represented 9.73% of total assets or 10.6% of loans at the end of 2025. MONETA Money Bank's non-performing loans were 3.20% of total loans while provisions covered some 73.8% of NPLs at the end of 2025.
MONETA Money Bank stock traded at 75.0 per share at the end of 2025 resulting in a market capitalization of USD 1,537 mil. Over the previous five years, stock price rose by 10.3% or 1.98% a year on average. That’s compared to an average ROE of 12.9% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 7.25x and price to book value (PBV) of 1.13x in 2025.
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