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Moravsky Penezni Ustav

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Moravsky Penezni Ustav

Moravský Peněžní Ústav is one of the largest credit unions in the Czech Republic. The Union has been in operation on the financial market since 1996. From a Company with regional operations, the Union serves more than 10,000 clients throughout the whole Czech Republic with a complete portfolio of products for both individuals and legal entities, including current accounts administration, savings, loan products,

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Moravský Peněžní Ústav is one of the largest credit unions in the Czech Republic. The Union has been in operation on the financial market since 1996. From a Company with regional operations, the Union serves more than 10,000 clients throughout the whole Czech Republic with a complete portfolio of products for both individuals and legal entities, including current accounts administration, savings, loan products, or internet banking.

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AnnualQuarterly
summary Unit
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

      273 155 535 378 360    
      302 173 613 417 417    
      132 68.3 320 195 189    
      31.1 -3.71 -18.7 30.2 20.2    

balance sheet

      853 1,427 721 1,704 1,573    
      5,221 6,343 6,544 7,056 7,452    
      101 144 52.9 54.1 0.000    
      6,861 8,769 8,030 9,648 10,421    
      507 575 907 1,160 1,320    
      0.004 0.000 50.2 0.000 0.000    
      6,147 7,941 7,070 8,399 9,009    
      0.000 0.000 0.000 0.000 0.000    

ratios

      6.33% -0.686% -2.53% 2.93% 1.63%    
      0.494% -0.047% -0.223% 0.342% 0.201%    
      2.70% 1.34% 3.49% 2.51% 2.28%    
      56.3% 60.5% 47.8% 53.2% 54.7%    
      10.4% 9.51% 11.5% 12.1% 12.4%    
      4.33% 1.99% 6.37% 4.27% 3.58%    
      90.3% 89.7% 87.3% 90.6% 86.1%    
      4.34% 4.98% 6.62% 4.47% 8.55%    
      49.8% 46.8% 49.6% 52.3% 48.7%    
      7.38% 6.56% 11.3% 12.0% 12.7%    
      84.9% 79.9% 92.6% 84.0% 82.7%    
      76.1% 72.3% 81.5% 73.1% 71.5%    
      11.0% 15.0% 32.7% 39.0% 39.4%    
      23.4% 25.8% 21.3% 12.5% 15.4%    

Download Data
income statement Unit
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income CZK mil
Interest Cost CZK mil
Net Interest Income CZK mil
Net Fee Income CZK mil
Other Income CZK mil
Total Revenues CZK mil
Staff Cost CZK mil
Depreciation CZK mil
Other Cost CZK mil
Operating Cost CZK mil
Operating Profit CZK mil
Provisions CZK mil
Extra and Other Cost CZK mil
Pre-Tax Profit CZK mil
Tax CZK mil
Minorities CZK mil
Net Profit CZK mil
      453 285 846 519 519    
      180 130 311 141 160    
      273 155 535 378 360    
      13.1 8.63 40.6 18.6 35.7    
      16.0 9.26 37.2 20.6 22.2    
      302 173 613 417 417    
      84.7 49.1 145 116 111    
      14.2 7.95 23.2 18.9 17.0    
      71.1 47.8 125 87.0 100    
      170 105 293 222 228    
      132 68.3 320 195 189    
      100 74.3 316 144 158    
      0.001 -0.011 0.031 0.000 < -0.001    
      31.8 -5.97 3.52 50.8 31.4    
      0.700 -2.26 22.3 20.6 11.2    
      0.000 0.000 0.341 0.000 0.000    
      31.1 -3.71 -18.7 30.2 20.2    

growth rates

...     52.5% -43.1% 245% -29.5% -4.77%    
...     75.8% -34.2% 370% -54.1% 91.6%    
...     27.6% -42.7% 254% -32.0% 0.169%    
...     14.0% -38.3% 180% -24.3% 2.96%    
...     50.9% -48.2% 368% -39.1% -3.01%    
...     -29.6% -119% -159% 1,342% -38.2%    
...     -13.0% -112% 405% -261% -33.3%    

market share

      0.186% 0.104% 0.365% 0.248% 0.240%    
      0.058% ... ... 0.048% 0.030%    
      0.231% 0.244% 0.249% 0.226% 0.255%    
      0.098% 0.095% 0.094% 0.141% 0.139%    

Download Data
balance sheet Unit
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

      88.7 212 69.5 178 715    
      853 1,427 721 1,704 1,573    
      5,221 6,343 6,544 7,056 7,452    
... ... ... ... ... 977 975 866    
... ... ... ... ... 5,929 6,599 6,732    
      101 144 52.9 54.1 0.000    
      543 580 572 576 616    
      6,861 8,769 8,030 9,648 10,421    
      507 575 907 1,160 1,320    
... ...   0.000 0.000 0.000 0.000 0.000    
      6,354 8,194 7,123 8,488 9,101    
      0.004 0.000 50.2 0.000 0.000    
      6,147 7,941 7,070 8,399 9,009    
      0.000 0.000 0.000 0.000 0.000    
      207 254 3.20 88.9 92.6    

asset quality

      587 992 2,301 2,891 3,127    
      5,358 6,599 7,035 7,419 7,934    
      137 256 491 363 482    

growth rates

...     29.5% 21.5% 3.17% 7.82% 5.60%    
... ... ... ... ... ... -0.158% -11.2%    
... ... ... ... ... ... 11.3% 2.00%    
...     19.6% 27.8% -8.43% 20.1% 8.01%    
...     6.37% 13.5% 57.8% 27.8% 13.8%    
...     17.8% 29.2% -11.0% 18.8% 7.26%    

market share

      0.238% 0.282% 0.263% 0.271% 0.268%    
... ... ... ... ... 0.684% 0.755% 0.731%    
... ... ... ... ... 0.083% 0.079% 0.066%    
      0.153% 0.189% 0.156% 0.182% 0.188%    
      0.228% 0.281% 0.231% 0.244% 0.256%    

Download Data
ratios Unit
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

      6.33% -0.686% -2.53% 2.93% 1.63%    
      0.494% -0.047% -0.223% 0.342% 0.201%    
      2.70% 1.34% 3.49% 2.51% 2.28%    
      56.3% 60.5% 47.8% 53.2% 54.7%    
      10.4% 9.51% 11.5% 12.1% 12.4%    
... ... ... ... ... 11.1% 11.9% 12.3%    
      4.33% 1.99% 6.37% 4.27% 3.58%    
...     4.09% 1.86% 6.02% 4.06% 3.36%    
      7.19% 3.65% 10.1% 5.87% 5.18%    
...     3.10% 1.79% 4.06% 1.81% 1.82%    
      90.3% 89.7% 87.3% 90.6% 86.1%    
      4.34% 4.98% 6.62% 4.47% 8.55%    
      5.31% 5.35% 6.07% 4.94% 5.32%    
      4,383 2,135 6,252 4,968 3,700    
      77,520 41,754 122,327 106,185 88,321    
      49.8% 46.8% 49.6% 52.3% 48.7%    
      7.38% 6.56% 11.3% 12.0% 12.7%    
      84.9% 79.9% 92.6% 84.0% 82.7%    
      76.1% 72.3% 81.5% 73.1% 71.5%    
      11.0% 15.0% 32.7% 39.0% 39.4%    
      23.4% 25.8% 21.3% 12.5% 15.4%    
      2.63% 4.03% 7.50% 5.14% 6.47%    
      2.17% 1.29% 4.91% 2.12% 2.17%    

Download Data
other data Unit
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

      2.00 2.00 2.00 3.00 3.00    
      91.0 98.0 99.0 91.0 105    
      0.009 0.010 0.010 0.011 0.012    

Download Data
Comparison of 22 Banks in Czech Republic

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the

Read more »

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 24 Banks in Czech Republic

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Moravsky Penezni Ustav in Quarterly Numbers

This Quarterly statistical dossier offers a summary of Moravsky Penezni Ustav's performance between Sep 07 and Sep 18 on an quarterly basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset

Read more »

This Quarterly statistical dossier offers a summary of Moravsky Penezni Ustav's performance between Sep 07 and Sep 18 on an quarterly basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track MPU's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Moravsky Penezni Ustav in Numbers

This Annual statistical dossier offers a summary of Moravsky Penezni Ustav's performance between 2008 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

Read more »

This Annual statistical dossier offers a summary of Moravsky Penezni Ustav's performance between 2008 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track MPU's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Based on a comparison of 15 banks in the Czech Republic in 3Q2018, PPF Banka was paying its employees the best, followed by Expobank Czech Republic and Moravsky Penezni Ustav.

PPF Banka employed 228 persons in 3Q2018, up 22.0%

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Based on a comparison of 15 banks in the Czech Republic in 3Q2018, PPF Banka was paying its employees the best, followed by Expobank Czech Republic and Moravsky Penezni Ustav.

PPF Banka employed 228 persons in 3Q2018, up 22.0% when compared to the previous quarter and up 22.9% when compared to the same period of last year. Historically, the bank's workforce hit an all time high of 228 persons in 3Q2018 and an all time low of 124 in 4Q2009.

Average cost reached CZK 153,640 per month per employee, 22.9% more than a year ago.

Staff accounted for 31.4% of total operating expenditures in 3Q2018.

When compared to bank's main peers, Expobank Czech Republic had 181 employees with average cost of CZK 117,653 per month per person, Moravsky Penezni Ustav operated with 104 people (and CZK 108,386 per month per employee) and Sberbank Czech Republic had 883 employees in 3Q2018 with cost of CZK 93,469 per month per head.

You can see all the banks cost per employee data at Cost Per Employee indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 15 banks in the Czech Republic in 3Q2018, Hypotecni Banka was the best capitalised bank, followed by Expobank Czech Republic and Modra Pyramida Stavebni Sporitelna.

Hypotecni Banka's capital adequacy ratio reached 35.5%,

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Based on a comparison of 15 banks in the Czech Republic in 3Q2018, Hypotecni Banka was the best capitalised bank, followed by Expobank Czech Republic and Modra Pyramida Stavebni Sporitelna.

Hypotecni Banka's capital adequacy ratio reached 35.5%, down from 41.2% when compared to the previous quarter and down from 36.5% when compared to the same period of last year. Historically, the bank’s capital ratio hit an all time high of 56.4% in 2Q2008 and an all time low of 8.16% in 4Q2002.

When compared to the nearest peers, Expobank Czech Republic ended the year 3Q2018 with a capital adequacy ratio at 21.4%, Modra Pyramida Stavebni Sporitelna with 20.4% and Stavebni Sporitelna Ceske Sporitelny some 19.0% at the end of 3Q2018.

You can see all the banks capital adequacy ratio data at Capital Adequacy Ratio indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 15 banks in the Czech Republic in 3Q2018, MONETA Money Bank operated with the highest net interest margin, followed by Equa Bank and Air Bank.

MONETA Money Bank's net interest margin amounted to 4.00% in 3Q2018,

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Based on a comparison of 15 banks in the Czech Republic in 3Q2018, MONETA Money Bank operated with the highest net interest margin, followed by Equa Bank and Air Bank.

MONETA Money Bank's net interest margin amounted to 4.00% in 3Q2018, up from 3.84% when compared to the previous quarter and down from 4.26% when compared to the same period of last year.

Historically, the bank’s net interest margin reached an all time high of 7.49% in 4Q2004 and an all time low of 3.74% in 1Q2018. The average margin in the last five years amounted to 3.94%.

Average asset yield was 4.20% in 3Q2018, down from 4.38% when compared to previous year. On the other hand, cost of funding amounted to 0.232% in 3Q2018, up from 0.149%.

When compared to the nearest peers, Equa Bank operated in 3Q2018 with a net interest margin of 3.04% Air Bank reached 2.66% and Banka Creditas some 2.61%.

You can see all the banks interest margin data at Net Interest Margin indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 14 banks in the Czech Republic in 3Q2018, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Sberbank Czech Republic.

Moravsky Penezni Ustav's non-performing loans reached 19.1%

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Based on a comparison of 14 banks in the Czech Republic in 3Q2018, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Sberbank Czech Republic.

Moravsky Penezni Ustav's non-performing loans reached 19.1% of total loans at the end of 3Q2018, up from 18.8% when compared to the previous quarter and down from 24.3% when compared to the same period of last year. Historically, the NPL ratio hit an all time high of 40.2% in 1Q2015 and an all time low of 0.204% in 3Q2007.

Provision coverage amounted to 12.9% at the end of 3Q2018, down from 13.8% compared to a year earlier.

When compared to the nearest peers, PPF Banka operated at the end of 3Q2018 with NPL ratio of 12.9% and provision coverage of 46.3%, Sberbank Czech Republic with 4.76% and 63.6% and Fio banka had 4.21% of bad loans covered with 54.5% by provisions at the end of 3Q2018.

You can see all the banks non-performing loans data at NPLs (As % Of Loans) indicator page or you can download a report on the Czech banks in the report section.

See all charts of the company »
MPU's capital adequacy ratio fell 0.443% to 18.0% in 3Q2018
MPU's net profit fell 241% to CZK -7.56 mil in 3Q2018
MPU's net profit fell 241% to CZK -7.56 mil in 3Q2018
MPU's net interest margin rose 19.6% to 2.36% in 3Q2018
MPU's costs (as % of assets) fell 1.43% to 2.28% in 3Q2018
MPU's net interest income rose 17.2% to CZK 57.6 mil in 3Q2018
MPU's net profit rose 87.8% to CZK 47.0 mil in 2017
MPU's net profit rose 87.8% to CZK 47.0 mil in 2017
MPU's customer loans fell 2.86% to CZK 7,500 mil in 2017
MPU's employees rose 2.88% to 107 in 2017