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MONETA Money Bank

MONETA Money Bank - Market Share in Mortgage Loans

By Helgi Analytics - September 30, 2022

MONETA Money Bank's mortgage loans reached CZK 130,674 mil in 2022-06-30, up 4.36% compared to the previous year. Czech banking...

MONETA Money Bank - Market Share in Bank Loans

By Helgi Analytics - November 9, 2022

MONETA Money Bank's customer loans reached CZK 265,860 mil in 2022-06-30, up 3.20% compared to the previous year. Czech banking...

MONETA Money Bank - Market Share in Bank Deposits

By Helgi Analytics - November 9, 2022

MONETA Money Bank's customer deposits reached CZK 302,199 mil in 2022-06-30, up 1.03% compared to the previous year. Czech bank...

Profit Statement 2019 2020 2021
Net Interest Income CZK mil 7,925 8,282 8,609
Net Fee Income CZK mil 1,950 1,891 2,050
Other Income CZK mil 644 1,925 509
Total Revenues CZK mil 10,519 12,098 11,168
Staff Cost CZK mil 2,318 2,519 2,562
Operating Profit CZK mil 5,500 6,572 5,630
Provisions CZK mil 717 3,562 695
Net Profit CZK mil 4,019 2,601 3,984
Balance Sheet 2019 2020 2021
Interbank Loans CZK mil 23,485 22,872 15,602
Customer Loans CZK mil 156,409 226,072 255,612
Investments CZK mil 25,972 35,917 49,200
Total Assets CZK mil 219,053 300,958 340,222
Shareholders' Equity CZK mil 24,411 27,050 29,481
Interbank Borrowing CZK mil 7,091 1,977 12,580
Customer Deposits CZK mil 181,523 258,906 285,145
Issued Debt Securities CZK mil 2,006 7,393 7,106
Ratios 2019 2020 2021
ROE % 16.2 10.1 14.1
ROA % 1.89 1.00 1.24
Costs (As % Of Assets) % 2.36 2.13 1.73
Costs (As % Of Income) % 47.7 45.7 49.6
Capital Adequacy Ratio % 18.0 18.2 17.1
Net Interest Margin % 3.72 3.19 2.69
Loans (As % Of Deposits) % 86.2 87.3 89.6
NPLs (As % Of Loans) % 1.80 2.30 2.20
Provisions (As % Of NPLs) % 109 110 101
Valuation 2019 2020 2021
Market Capitalisation USD mil 1,920 1,625 2,182
Number Of Shares mil 511 511 511
Share Price CZK 85.0 68.0 93.8
Price/Earnings (P/E) 10.8 13.4 12.0
Price/Book Value (P/BV) 1.78 1.28 1.62
Dividend Yield % 3.88 0 3.20
Earnings Per Share (EPS) CZK 7.86 5.09 7.80
Book Value Per Share CZK 47.8 52.9 57.7
Dividend Per Share CZK 3.30 0 3.00

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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 2025
income statement                                                    
Net Interest Income CZK mil                               9,310 8,305 7,364 7,409 7,925     ... ... ... ...
Total Revenues CZK mil                               12,102 11,058 10,241 10,162 10,519     ... ... ... ...
Operating Profit CZK mil                               6,569 5,974 5,388 5,310 5,500     ... ... ... ...
Net Profit CZK mil                               4,506 4,054 3,923 4,200 4,019     ... ... ... ...
balance sheet                                                    
Interbank Loans CZK mil                               139 189 53,380 33,436 23,485     ... ... ... ...
Customer Loans CZK mil                               108,437 111,860 123,680 140,123 156,409     ... ... ... ...
Investments CZK mil                               13,277 13,775 11,828 20,780 25,972     ... ... ... ...
Total Assets CZK mil                               140,037 149,379 199,734 206,932 219,053     ... ... ... ...
                                                       
Shareholders' Equity CZK mil                               27,839 27,268 25,763 25,237 24,411     ... ... ... ...
Interbank Borrowing CZK mil                               289 2,657 29,643 10,716 7,091     ... ... ... ...
Customer Deposits CZK mil                               108,698 116,252 141,469 168,792 181,523     ... ... ... ...
Issued Debt Securities CZK mil ... ...                           8.00 7.00 68.0 0 2,006     ... ... ... ...
ratios                                                    
ROE % ...                             12.8 14.7 14.8 16.5 16.2     ... ... ... ...
ROA % ...                             3.18 2.80 2.25 2.07 1.89     ... ... ... ...
Costs (As % Of Assets) % ...                             3.90 3.51 2.78 2.39 2.36     ... ... ... ...
Costs (As % Of Income) %                               45.7 46.0 47.4 47.7 47.7     ... ... ... ...
Capital Adequacy Ratio %                               17.7 20.5 17.4 16.4 18.0     ... ... ... ...
Net Interest Margin % ...                             6.57 5.74 4.22 3.64 3.72     ... ... ... ...
Interest Income (As % Of Revenues) %                               76.9 75.1 71.9 72.9 75.3     ... ... ... ...
Fee Income (As % Of Revenues) %                               19.3 17.7 18.9 18.6 18.5     ... ... ... ...
Staff Cost (As % Of Total Cost) %                               40.5 44.5 50.6 47.9 46.2     ... ... ... ...
Equity (As % Of Assets) %                               19.9 18.3 12.9 12.2 11.1     ... ... ... ...
Loans (As % Of Deposits) %                               99.8 96.2 87.4 83.0 86.2     ... ... ... ...
Loans (As % Assets) %                               77.4 74.9 61.9 67.7 71.4     ... ... ... ...
NPLs (As % Of Loans) %                               11.7 5.97 4.10 2.80 1.80     ... ... ... ...
Provisions (As % Of NPLs) %                               84.0 87.6 76.8 99.9 109     ... ... ... ...
valuation                                                    
Market Capitalisation USD mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,594 1,978 1,649 1,920     ... ... ... ...
Number Of Shares mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 510 511 511 511 511     ... ... ... ...
Share Price CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 80.0 82.4 72.5 85.0     ... ... ... ...
Earnings Per Share (EPS) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 8.84 7.93 7.68 8.22 7.86     ... ... ... ...
Book Value Per Share CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 54.6 53.4 50.4 49.4 47.8     ... ... ... ...
Dividend Per Share CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 8.84 9.80 8.00 9.45 3.30     ... ... ... ...
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 10.1 10.7 8.82 10.8     ... ... ... ...
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.50 1.63 1.47 1.78     ... ... ... ...
Dividend Yield % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 12.3 9.71 13.0 3.88     ... ... ... ...
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -10.2 -3.23 7.06 -4.31     ... ... ... ...
Book Value Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -2.24 -5.52 -2.04 -3.27     ... ... ... ...
income statement Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
income statement                                                    
Interest Income CZK mil                               9,522 8,494 7,582 7,820 8,933     ... ... ... ...
Interest Cost CZK mil                               212 189 218 411 1,008     ... ... ... ...
Net Interest Income CZK mil                               9,310 8,305 7,364 7,409 7,925     ... ... ... ...
Net Fee Income CZK mil                               2,336 1,961 1,933 1,892 1,950     ... ... ... ...
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ...
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ...
Other Income CZK mil                               456 792 944 861 644     ... ... ... ...
Total Revenues CZK mil                               12,102 11,058 10,241 10,162 10,519     ... ... ... ...
Staff Cost CZK mil                               2,243 2,263 2,456 2,324 2,318     ... ... ... ...
Depreciation CZK mil                               520 310 414 610 967     ... ... ... ...
Other Cost CZK mil                               2,770 2,511 1,983 1,918 1,734     ... ... ... ...
Operating Cost CZK mil                               5,533 5,084 4,853 4,852 5,019     ... ... ... ...
Operating Profit CZK mil                               6,569 5,974 5,388 5,310 5,500     ... ... ... ...
Provisions CZK mil                               849 927 381 274 717     ... ... ... ...
Extra and Other Cost CZK mil                               0 0 104 0 -200     ... ... ... ...
Pre-Tax Profit CZK mil                               5,720 5,047 4,903 5,036 4,983     ... ... ... ...
Tax CZK mil                               1,214 993 980 836 964     ... ... ... ...
Minorities CZK mil                               0 0 0 0 0     ... ... ... ...
Net Profit CZK mil                               4,506 4,054 3,923 4,200 4,019     ... ... ... ...
Net Profit Avail. to Common CZK mil                               4,506 4,054 3,923 4,200 4,019     ... ... ... ...
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4,506 5,008 4,088 4,829 1,686     ... ... ... ...
growth rates                                                    
Net Interest Income Growth % ...                             -0.799 -10.8 -11.3 0.611 6.96     ... ... ... ...
Net Fee Income Growth % ...                             -12.6 -16.1 -1.43 -2.12 3.07     ... ... ... ...
Total Revenue Growth % ...                             -4.19 -8.63 -7.39 -0.771 3.51     ... ... ... ...
Operating Cost Growth % ...                             1.56 -8.11 -4.54 -0.021 3.44     ... ... ... ...
Operating Profit Growth % ...                             -8.55 -9.06 -9.81 -1.45 3.58     ... ... ... ...
Pre-Tax Profit Growth % ...                             5.13 -11.8 -2.85 2.71 -1.05     ... ... ... ...
Net Profit Growth % ...                             7.80 -10.0 -3.23 7.06 -4.31     ... ... ... ...
market share                                                    
Market Share in Revenues %                               6.95 6.14 5.72 5.34 5.20   ... ... ... ... ...
Market Share in Net Profit %                               6.79 5.49 5.21 5.16 4.41   ... ... ... ... ...
Market Share in Employees %                               7.47 7.59 7.91 7.47 7.11   ... ... ... ... ...
Market Share in Bank Cards % ...                   ... ...       ... ... ... ... ... ... ... ... ... ... ...
Market Share in Debit Cards % ...                   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Branches %                               10.9 11.2 11.7 10.3 9.43   ... ... ... ... ...
balance sheet Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
balance sheet                                                    
Cash & Cash Equivalents CZK mil                               15,475 20,235 7,127 8,139 6,697     ... ... ... ...
Interbank Loans CZK mil                               139 189 53,380 33,436 23,485     ... ... ... ...
Customer Loans CZK mil                               108,437 111,860 123,680 140,123 156,409     ... ... ... ...
Retail Loans CZK mil                               63,882 65,185 61,984 74,799 89,897     ... ... ... ...
Mortgage Loans CZK mil                               15,387 15,571 20,338 31,615 43,737     ... ... ... ...
Consumer Loans CZK mil                               48,495 49,614 41,646 43,184 46,160     ... ... ... ...
Corporate Loans CZK mil                               44,555 46,675 61,696 65,319 66,774     ... ... ... ...
Investments CZK mil                               13,277 13,775 11,828 20,780 25,972     ... ... ... ...
Property and Equipment CZK mil ... ... ...                         914 744 872 1,296 2,948     ... ... ... ...
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 744 1,301 1,789 2,283     ... ... ... ...
Goodwill CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 104 8.00 ... ... ... ... ... ... ... ...
Total Assets CZK mil                               140,037 149,379 199,734 206,932 219,053     ... ... ... ...
                                                       
Shareholders' Equity CZK mil                               27,839 27,268 25,763 25,237 24,411     ... ... ... ...
Of Which Minority Interest CZK mil                               0 0 0 0 0     ... ... ... ...
Liabilities CZK mil                               112,198 122,111 173,971 181,695 194,642     ... ... ... ...
Interbank Borrowing CZK mil                               289 2,657 29,643 10,716 7,091     ... ... ... ...
Customer Deposits CZK mil                               108,698 116,252 141,469 168,792 181,523     ... ... ... ...
Retail Deposits CZK mil                               73,465 73,167 83,021 94,448 115,863     ... ... ... ...
Corporate Deposits CZK mil                               24,001 42,401 48,503 54,428 58,096     ... ... ... ...
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ...
Term Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ...
Issued Debt Securities CZK mil ... ...                           8.00 7.00 68.0 0 2,006     ... ... ... ...
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2,006     ... ... ... ...
Other Liabilities CZK mil ... ...                           3,203 3,195 2,791 2,187 4,022     ... ... ... ...
asset quality                                                    
Non-Performing Loans CZK mil                               14,023 7,047 5,236 3,923 2,820     ... ... ... ...
Gross Loans CZK mil                               120,215 118,035 127,700 140,118 156,671     ... ... ... ...
Risk-Weighted Assets CZK mil                               126,565 109,301 118,547 122,202 125,629     ... ... ... ...
Total Provisions CZK mil                               11,778 6,175 4,020 3,919 3,080     ... ... ... ...
growth rates                                                    
Customer Loan Growth % ...                             1.16 3.16 10.6 13.3 11.6     ... ... ... ...
Retail Loan Growth % ...                             -3.92 2.04 -4.91 20.7 20.2     ... ... ... ...
Mortgage Loan Growth % ...                             -8.68 1.20 30.6 55.4 38.3     ... ... ... ...
Consumer Loan Growth % ...                             -2.31 2.31 -16.1 3.69 6.89     ... ... ... ...
Corporate Loan Growth % ...                             9.46 4.76 32.2 5.87 2.23     ... ... ... ...
Total Asset Growth % ...                             -2.35 6.67 33.7 3.60 5.86     ... ... ... ...
Shareholders' Equity Growth % ...                             -34.6 -2.05 -5.52 -2.04 -3.27     ... ... ... ...
Customer Deposit Growth % ...                             12.1 6.95 21.7 19.3 7.54     ... ... ... ...
Retail Deposit Growth % ...                             6.19 -0.406 13.5 13.8 22.7     ... ... ... ...
Corporate Deposit Growth % ...                             21.7 76.7 14.4 12.2 6.74     ... ... ... ...
market share                                                    
Market Share in Customer Loans %                               3.90 3.79 4.01 4.24 4.53     ... ... ... ...
Market Share in Corporate Loans %                               4.84 4.78 6.04 6.05 5.96     ... ... ... ...
Market Share in Retail Loans %                               13.8 13.5 10.9 10.8 11.1     ... ... ... ...
Market Share in Consumer Loans %                               4.83 4.59 4.05 4.54 5.15     ... ... ... ...
Market Share in Mortgage Loans %                               1.58 1.48 1.77 2.54 3.29     ... ... ... ...
Market Share in Total Assets %                               2.52 2.48 2.83 2.82 2.90     ... ... ... ...
Market Share in Customer Deposits %                               3.09 3.09 3.39 3.80 3.83     ... ... ... ...
Market Share in Retail Deposits %                               3.61 3.31 3.50 3.69 4.25     ... ... ... ...
Market Share in Corporate Deposits %                               2.60 4.63 4.87 5.23 5.31     ... ... ... ...
ratios Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
                                                     
ROE % ...                             12.8 14.7 14.8 16.5 16.2     ... ... ... ...
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 15.4 17.5 17.6     ... ... ... ...
ROE (@ 15% of RWA) % ...                             24.1 22.9 23.0 23.3 21.6     ... ... ... ...
ROA % ...                             3.18 2.80 2.25 2.07 1.89     ... ... ... ...
Return on Loans % ...                             4.18 3.68 3.33 3.18 2.71     ... ... ... ...
Operating Profit (As % of RWA) % ...                             5.27 5.07 4.73 4.41 4.44     ... ... ... ...
Costs (As % Of Assets) % ...                             3.90 3.51 2.78 2.39 2.36     ... ... ... ...
Costs (As % Of Income) %                               45.7 46.0 47.4 47.7 47.7     ... ... ... ...
Costs (As % Of Loans) % ...                             5.13 4.62 4.12 3.68 3.39     ... ... ... ...
Costs (As % Of Loans & Deposits) % ...                             2.63 2.28 1.97 1.69 1.55     ... ... ... ...
Capital Adequacy Ratio %                               17.7 20.5 17.4 16.4 18.0     ... ... ... ...
Tier 1 Ratio %                               17.7 20.5 17.4 16.4 16.4     ... ... ... ...
Net Interest Margin % ...                             6.57 5.74 4.22 3.64 3.72     ... ... ... ...
Interest Spread % ...                             6.52 5.71 4.20 3.61 3.66     ... ... ... ...
Asset Yield % ...                             6.72 5.87 4.34 3.85 4.19     ... ... ... ...
Revenues (As % of RWA) % ...                             9.72 9.38 8.99 8.44 8.49     ... ... ... ...
Cost Of Liabilities % ...                             0.199 0.161 0.147 0.231 0.536     ... ... ... ...
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 100 124 104 115 42.0     ... ... ... ...
Interest Income (As % Of Revenues) %                               76.9 75.1 71.9 72.9 75.3     ... ... ... ...
Fee Income (As % Of Revenues) %                               19.3 17.7 18.9 18.6 18.5     ... ... ... ...
Other Income (As % Of Revenues) %                               3.77 7.16 9.22 8.47 6.12     ... ... ... ...
Staff Cost (As % Of Total Cost) %                               40.5 44.5 50.6 47.9 46.2     ... ... ... ...
Equity (As % Of Assets) %                               19.9 18.3 12.9 12.2 11.1     ... ... ... ...
Equity (As % Of Loans) %                               25.7 24.4 20.8 18.0 15.6     ... ... ... ...
Loans (As % Of Deposits) %                               99.8 96.2 87.4 83.0 86.2     ... ... ... ...
Loans (As % Assets) %                               77.4 74.9 61.9 67.7 71.4     ... ... ... ...
NPLs (As % Of Loans) %                               11.7 5.97 4.10 2.80 1.80     ... ... ... ...
Provisions (As % Of NPLs) %                               84.0 87.6 76.8 99.9 109     ... ... ... ...
Provisions (As % Of Loans) %                               10.9 5.52 3.25 2.80 1.97     ... ... ... ...
Cost of Provisions (As % Of Loans) % ...                             0.787 0.842 0.324 0.208 0.484     ... ... ... ...
other data Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
                                                     
Branches                               236 230 227 202 179     ... ... ... ...
ATMs ...                             686 632 668 654 632     ... ... ... ...
ATMs (As % of Bank Branches) % ...                             291 275 294 324 353     ... ... ... ...
Employees                               3,079 3,114 3,312 3,129 2,959     ... ... ... ...
Employees Per Bank Branch                               13.0 13.5 14.6 15.5 16.5     ... ... ... ...
Cost Per Employee USD per month                               2,543 2,400 2,634 2,829 2,896     ... ... ... ...
Cost Per Employee (Local Currency) CZK per month                               60,707 60,560 61,796 61,894 65,281     ... ... ... ...
customer breakdown Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
                                                     
Customers mil                               1.00 1.07 1.03 1.04 1.05     ... ... ... ...
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ... ...
Payment Cards mil ...                   ... ...       ... ... ... ... ... ... ... ... ... ... ...
Debit Cards mil ...                   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ...     0.012 0.012 0.015 0.022 0.030     ... ... ... ...
Number of Consumer Loans mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.193 0.179 0.176     ... ... ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ...     1,282,000 1,352,000 1,393,000 1,451,000 1,444,000            
Average Size of Consumer Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 216,262 241,821 262,399            
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ...     1.20 1.08 1.41 2.10 2.88     ... ... ... ...
Consumer Loans (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 18.6 17.2 16.8     ... ... ... ...
Payments Cards (As % of Total Clients) % ...                   ... ...       ... ... ... ... ... ... ... ... ... ... ...
Debit Cards (As % of Total Clients) % ...                   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
                                                       
Market Value per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 38,385 40,761 35,760 41,367     ... ... ... ...
Revenue per Customer (Local Currency) CZK                               12,102 10,383 9,914 9,809 10,018     ... ... ... ...
Net Profit per Customer (Local Currency) CZK                               4,506 3,807 3,798 4,054 3,828     ... ... ... ...
Loan per Customer (Local Currency) CZK                               108,437 105,033 119,729 135,254 148,961     ... ... ... ...
Deposit per Customer (Local Currency) CZK                               108,698 109,157 136,950 162,927 172,879     ... ... ... ...
Market Value per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,497 1,914 1,592 1,829     ... ... ... ...
Revenue per Customer USD                               507 412 422 448 444     ... ... ... ...
Net Profit per Customer USD                               189 151 162 185 170     ... ... ... ...
Loan per Customer USD                               4,368 4,097 5,623 6,020 6,585     ... ... ... ...
Deposit per Customer USD                               4,379 4,257 6,432 7,252 7,642     ... ... ... ...

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MONETA's net interest margin fell 6.09% yoy to 2.52% in 3Q2022

By Helgi Analytics - November 9, 2022

MONETA Money Bank's net interest margin amounted to 2.52% in the third quarter of 2022, down from 2.68% 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 net profit fell 14.7% yoy to CZK 1,251 mil in 3Q2022

By Helgi Analytics - November 9, 2022

MONETA Money Bank made a net profit of CZK 1,251 mil in the third quarter of 2022, down 14.7% when compared to the same period of last year. This implies a return on equity of 17.0%. Historically, the bank’s net profit reached an all time high of CZK 1,582 mil in...

MONETA's net profit fell 14.7% yoy to CZK 1,251 mil in 3Q2022

By Helgi Analytics - November 9, 2022

MONETA Money Bank made a net profit of CZK 1,251 mil under revenues of CZK 3,022 mil in the third quarter of 2022, down 14.7% and up 8.67% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time hig...

MONETA Money Bank - Market Share in Retail Deposits

By Helgi Analytics - November 9, 2022

MONETA Money Bank's retail deposits reached CZK 223,666 mil in 2022-06-30, down 0.090% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,323 bil in 2022-06-30, up 1.28% when compared to the last year. MONETA Money Bank ...

MONETA's npls (as % of loans) fell 41.7% yoy to 1.40% in 3Q2022

By Helgi Analytics - November 9, 2022

MONETA Money Bank's non-performing loans reached 1.40% of total loans at the end of 2022-09-30, down from 2.40% 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 1.40% in 2022-09-30. ...

MONETA Money Bank - Market Share in Retail Loans

By Helgi Analytics - November 9, 2022

MONETA Money Bank's retail loans reached CZK 184,186 mil in the second quarter of 2022, up 3.41% compared to the previous year. Czech banking sector provided retail loans of CZK 2,100 bil in 2Q2022, up 0.711% when compared to the last year. MONETA Money B...

MONETA's price/earnings (P/E) fell 6.25% yoy to 7.21 in 3Q2022

By Helgi Analytics - November 9, 2022

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 branches remain unchanged yoy at 154 in 3Q2022

By Helgi Analytics - November 9, 2022

MONETA Money Bank employed 2,799 persons in 2022-09-30, down 2.81% 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 corporate loans rose 9.02% yoy to CZK 84,018 mil in 3Q2022

By Helgi Analytics - November 9, 2022

MONETA Money Bank's loans reached CZK 270,164 mil in the third quarter of 2022, up from CZK 267,145 mil when compared to the previous quarter and up from CZK 247,338 mil when compared to the same period of last year. Historically, the bank’s loans r...

MONETA Money Bank - Market Share in Consumer Loans

By Helgi Analytics - November 9, 2022

MONETA Money Bank's consumer loans reached CZK 53,512 mil in 2022-06-30, up 1.14% compared to the previous year. Czech banking sector provided consumer loans of CZK 462 bil in 2022-06-30, up 0.846% when compared to the last year. MONETA Money Bank account...

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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.