By Helgi Library - November 23, 2023
Trinity Bank made a net profit of CZK 155 mil in the third quarter of 2023, down 51.2% when compared to the same period of last y...
By Helgi Library - November 23, 2023
Trinity Bank made a net profit of CZK 155 mil under revenues of CZK 392 mil in the third quarter of 2023, down 51.2% and 28.8...
By Helgi Library - November 23, 2023
Trinity Bank's customer deposits reached CZK 66,208 mil in 2023-06-30, up 5.69% compared to the previous year. Czech banking se...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | CZK mil | 264 | 426 | 1,135 |
| Net Fee Income | CZK mil | 24.2 | 44.3 | 85.7 |
| Other Income | CZK mil | 110 | 85.7 | 322 |
| Total Revenues | CZK mil | 398 | 556 | 1,543 |
| Staff Cost | CZK mil | 131 | 167 | 272 |
| Operating Profit | CZK mil | 148 | 231 | 1,028 |
| Provisions | CZK mil | 72.4 | 30.1 | 25.5 |
| Net Profit | CZK mil | 60.6 | 160 | 803 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | CZK mil | 651 | 22,230 | 33,469 |
| Customer Loans | CZK mil | 6,999 | 9,257 | 15,106 |
| Investments | CZK mil | 2,688 | 3,455 | 12,033 |
| Total Assets | CZK mil | 17,503 | 36,760 | 63,965 |
| Shareholders' Equity | CZK mil | 1,833 | 2,481 | 4,519 |
| Interbank Borrowing | CZK mil | 339 | 1,074 | 228 |
| Customer Deposits | CZK mil | 14,775 | 32,729 | 58,488 |
| Issued Debt Securities | CZK mil | 314 | 314 | 314 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | 3.40 | 7.44 | 23.0 |
| ROA | % | 0.360 | 0.591 | 1.60 |
| Costs (As % Of Assets) | % | 1.49 | 1.20 | 1.02 |
| Costs (As % Of Income) | % | 62.9 | 58.5 | 33.4 |
| Capital Adequacy Ratio | % | 19.1 | 21.5 | 22.0 |
| Net Interest Margin | % | 1.57 | 1.57 | 2.25 |
| Loans (As % Of Deposits) | % | 47.4 | 28.3 | 25.8 |
| NPLs (As % Of Loans) | % | 18.3 | 9.56 | 4.63 |
| Provisions (As % Of NPLs) | % | 19.2 | 14.9 | 18.5 |
| Growth Rates | 2020 | 2021 | 2022 | |
| Total Revenue Growth | % | 69.5 | 39.6 | 178 |
| Operating Cost Growth | % | 2.79 | 29.8 | 58.4 |
| Operating Profit Growth | % | -1,830 | 56.1 | 346 |
| Net Profit Growth | % | 20.3 | 165 | 401 |
| Customer Loan Growth | % | 31.6 | 32.3 | 63.2 |
| Total Asset Growth | % | 8.16 | 110 | 74.0 |
| Customer Deposit Growth | % | 4.63 | 122 | 78.7 |
| Shareholders' Equity Growth | % | 5.54 | 35.3 | 82.1 |
| Employees | 107 | 113 | 180 | |
Get all company financials in excel:
| summary | Unit | 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 | ... | ... | ... | 253 | 275 | 260 | 244 | 264 | ||||||||||
| Total Revenues | CZK mil | ... | ... | ... | 260 | 257 | 293 | 235 | 398 | ||||||||||
| Operating Profit | CZK mil | ... | ... | ... | 42.9 | 53.8 | 34.5 | -8.54 | 148 | ||||||||||
| Net Profit | CZK mil | ... | ... | ... | 25.0 | 47.0 | 51.3 | 50.4 | 60.6 | ||||||||||
| balance sheet | |||||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | 1,652 | 1,315 | 701 | 608 | 651 | ||||||||||
| Customer Loans | CZK mil | ... | ... | ... | 7,721 | 7,500 | 6,050 | 5,319 | 6,999 | ||||||||||
| Investments | CZK mil | ... | ... | ... | 0 | 0 | 0 | 50.5 | 2,688 | ||||||||||
| Total Assets | CZK mil | ... | ... | ... | 10,747 | 10,249 | 9,226 | 16,183 | 17,503 | ||||||||||
| Shareholders' Equity | CZK mil | ... | ... | ... | 1,743 | 1,852 | 1,852 | 1,737 | 1,833 | ||||||||||
| Interbank Borrowing | CZK mil | ... | ... | ... | 0 | 0 | 0 | 124 | 339 | ||||||||||
| Customer Deposits | CZK mil | ... | ... | ... | 8,944 | 8,324 | 6,963 | 14,122 | 14,775 | ||||||||||
| Issued Debt Securities | CZK mil | ... | ... | ... | 0 | 0 | 0 | 0 | 314 | ||||||||||
| ratios | |||||||||||||||||||
| ROE | % | ... | ... | ... | ... | 1.63 | 2.61 | 2.77 | 2.81 | 3.40 | |||||||||
| ROA | % | ... | ... | ... | ... | 0.236 | 0.448 | 0.526 | 0.397 | 0.360 | |||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | 2.05 | 1.94 | 2.66 | 1.92 | 1.49 | |||||||||
| Costs (As % Of Income) | % | ... | ... | ... | 83.5 | 79.1 | 88.2 | 104 | 62.9 | ||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 16.4 | 17.1 | 18.8 | 20.6 | 19.1 | ||||||||||
| Net Interest Margin | % | ... | ... | ... | ... | 2.39 | 2.62 | 2.67 | 1.92 | 1.57 | |||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 97.1 | 107 | 88.6 | 104 | 66.3 | ||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 9.93 | 9.26 | 7.83 | 12.8 | 6.09 | ||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 55.6 | 54.8 | 60.3 | 56.0 | 52.3 | ||||||||||
| Equity (As % Of Assets) | % | ... | ... | ... | 16.2 | 18.1 | 20.1 | 10.7 | 10.5 | ||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | 86.3 | 90.1 | 86.9 | 37.7 | 47.4 | ||||||||||
| Loans (As % Assets) | % | ... | ... | ... | 71.8 | 73.2 | 65.6 | 32.9 | 40.0 | ||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 24.4 | 26.4 | 33.1 | 19.9 | 18.3 | ||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 12.1 | 9.95 | 10.1 | 18.7 | 19.2 | ||||||||||
| valuation | |||||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | -29.7 | 8.61 | -5.40 | -5.90 | 7.91 |
| income statement | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | |||||||||||||||||||
| Interest Income | CZK mil | ... | ... | ... | 393 | 359 | 351 | 378 | 417 | ||||||||||
| Interest Cost | CZK mil | ... | ... | ... | 140 | 84.5 | 91.5 | 133 | 153 | ||||||||||
| Net Interest Income | CZK mil | ... | ... | ... | 253 | 275 | 260 | 244 | 264 | ||||||||||
| Net Fee Income | CZK mil | ... | ... | ... | 25.9 | 23.8 | 23.0 | 30.1 | 24.2 | ||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 24.4 | 31.4 | 31.2 | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.44 | 1.31 | 6.98 | ||
| Other Income | CZK mil | ... | ... | ... | -18.4 | -41.3 | 10.6 | -39.7 | 110 | ||||||||||
| Total Revenues | CZK mil | ... | ... | ... | 260 | 257 | 293 | 235 | 398 | ||||||||||
| Staff Cost | CZK mil | ... | ... | ... | 121 | 111 | 156 | 136 | 131 | ||||||||||
| Depreciation | CZK mil | ... | ... | ... | 19.5 | 18.0 | 30.9 | 41.0 | 48.2 | ||||||||||
| Other Cost | CZK mil | ... | ... | ... | 77.1 | 73.9 | 71.8 | 66.0 | 71.2 | ||||||||||
| Operating Cost | CZK mil | ... | ... | ... | 217 | 203 | 259 | 243 | 250 | ||||||||||
| Operating Profit | CZK mil | ... | ... | ... | 42.9 | 53.8 | 34.5 | -8.54 | 148 | ||||||||||
| Provisions | CZK mil | ... | ... | ... | 31.6 | 6.77 | 21.7 | -79.4 | 72.4 | ||||||||||
| Extra and Other Cost | CZK mil | ... | ... | ... | 0.002 | -0.003 | 0.001 | 5.06 | 0 | ||||||||||
| Pre-Tax Profit | CZK mil | ... | ... | ... | 11.3 | 47.0 | 12.7 | 65.8 | 75.4 | ||||||||||
| Tax | CZK mil | ... | ... | ... | -13.7 | 0 | -38.5 | 15.5 | 14.8 | ||||||||||
| Minorities | CZK mil | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||||||
| Net Profit | CZK mil | ... | ... | ... | 25.0 | 47.0 | 51.3 | 50.4 | 60.6 | ||||||||||
| Net Profit Avail. to Common | CZK mil | ... | ... | ... | 25.0 | 47.0 | 51.3 | 50.4 | 60.6 | ||||||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 41.0 | 0 | 0 | ... | |
| growth rates | |||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | -29.7 | 8.61 | -5.40 | -5.90 | 7.91 | |||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | -27.6 | -7.98 | -3.45 | 31.0 | -19.4 | |||||||||
| Total Revenue Growth | % | ... | ... | ... | ... | -37.6 | -1.26 | 14.1 | -19.9 | 69.5 | |||||||||
| Operating Cost Growth | % | ... | ... | ... | ... | -4.83 | -6.50 | 27.3 | -5.98 | 2.79 | |||||||||
| Operating Profit Growth | % | ... | ... | ... | ... | -77.3 | 25.3 | -35.9 | -125 | -1,830 | |||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | -63.9 | 314 | -72.9 | 416 | 14.5 | |||||||||
| Net Profit Growth | % | ... | ... | ... | ... | 24.0 | 87.8 | 9.07 | -1.70 | 20.3 | |||||||||
| market share | |||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | 0.144 | 0.143 | 0.154 | 0.116 | 0.221 | ||||||||||
| Market Share in Net Profit | % | ... | ... | ... | 0.034 | 0.062 | 0.063 | 0.055 | 0.128 | ||||||||||
| Market Share in Employees | % | ... | ... | ... | 0.254 | 0.255 | 0.244 | 0.269 | 0.263 | ||||||||||
| Market Share in Branches | % | ... | ... | ... | 0.147 | 0.154 | 0.153 | 0.158 | 0.178 |
| balance sheet | Unit | 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 | ... | ... | ... | 1,981 | 1,611 | 866 | 8,838 | 5,992 | ||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | 1,652 | 1,315 | 701 | 608 | 651 | ||||||||||
| Customer Loans | CZK mil | ... | ... | ... | 7,721 | 7,500 | 6,050 | 5,319 | 6,999 | ||||||||||
| Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 613 | 360 | 300 | 257 | 235 | |||||
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 6,458 | 6,184 | 5,600 | 5,042 | 6,748 | |||||
| Investments | CZK mil | ... | ... | ... | 0 | 0 | 0 | 50.5 | 2,688 | ||||||||||
| Property and Equipment | CZK mil | ... | ... | ... | 553 | 583 | 526 | 495 | 505 | ||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 65.3 | 87.1 | 72.4 | ||
| Total Assets | CZK mil | ... | ... | ... | 10,747 | 10,249 | 9,226 | 16,183 | 17,503 | ||||||||||
| Shareholders' Equity | CZK mil | ... | ... | ... | 1,743 | 1,852 | 1,852 | 1,737 | 1,833 | ||||||||||
| Of Which Minority Interest | CZK mil | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||||||
| Liabilities | CZK mil | ... | ... | ... | 9,004 | 8,396 | 7,374 | 14,446 | 15,670 | ||||||||||
| Interbank Borrowing | CZK mil | ... | ... | ... | 0 | 0 | 0 | 124 | 339 | ||||||||||
| Customer Deposits | CZK mil | ... | ... | ... | 8,944 | 8,324 | 6,963 | 14,122 | 14,775 | ||||||||||
| Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12,360 | 13,457 | ||
| Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,062 | 860 | ||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,291 | 9,488 | 11,121 | ||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,672 | 4,634 | 3,653 | ||
| Issued Debt Securities | CZK mil | ... | ... | ... | 0 | 0 | 0 | 0 | 314 | ||||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | 314 | ||
| Other Liabilities | CZK mil | ... | ... | ... | 60.2 | 72.7 | 411 | 200 | 241 | ||||||||||
| asset quality | |||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | ... | 1,945 | 2,032 | 2,075 | 1,100 | 1,329 | ||||||||||
| Gross Loans | CZK mil | ... | ... | ... | 7,956 | 7,702 | 6,260 | 5,525 | 7,255 | ||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9,816 | 9,929 | 9,238 | 7,751 | 10,541 | |||
| Total Provisions | CZK mil | ... | ... | ... | 235 | 202 | 210 | 206 | 256 | ||||||||||
| growth rates | |||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | 3.61 | -2.86 | -19.3 | -12.1 | 31.6 | |||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | -29.2 | -41.3 | -16.7 | -14.3 | -8.57 | ||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | -4.06 | -4.24 | -9.45 | -9.97 | 33.8 | ||||
| Total Asset Growth | % | ... | ... | ... | ... | 3.13 | -4.64 | -9.98 | 75.4 | 8.16 | |||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | 32.1 | 6.27 | -0.007 | -6.21 | 5.54 | |||||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | -0.718 | -6.93 | -16.3 | 103 | 4.63 | |||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.87 | ||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -19.0 | ||
| market share | |||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | 0.262 | 0.243 | 0.183 | 0.154 | 0.195 | ||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.662 | 0.605 | 0.518 | 0.450 | 0.601 | |||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.043 | 0.024 | 0.018 | 0.015 | 0.013 | |||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.043 | 0.024 | 0.018 | 0.015 | 0.013 | ... | ||||
| Market Share in Total Assets | % | ... | ... | ... | 0.180 | 0.146 | 0.127 | 0.214 | 0.220 | ||||||||||
| Market Share in Customer Deposits | % | ... | ... | ... | 0.237 | 0.200 | 0.157 | 0.298 | 0.286 | ||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.454 | 0.440 | ||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.097 | 0.071 |
| ratios | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| ROE | % | ... | ... | ... | ... | 1.63 | 2.61 | 2.77 | 2.81 | 3.40 | |||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.93 | 3.56 | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.70 | 3.17 | 3.57 | 3.96 | 4.42 | ||
| ROA | % | ... | ... | ... | ... | 0.236 | 0.448 | 0.526 | 0.397 | 0.360 | |||||||||
| Return on Loans | % | ... | ... | ... | 0.330 | 0.618 | 0.757 | 0.886 | 0.984 | ||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.438 | 0.545 | 0.360 | -0.101 | 1.62 | ||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | 2.05 | 1.94 | 2.66 | 1.92 | 1.49 | |||||||||
| Costs (As % Of Income) | % | ... | ... | ... | 83.5 | 79.1 | 88.2 | 104 | 62.9 | ||||||||||
| Costs (As % Of Loans) | % | ... | ... | ... | ... | 2.87 | 2.67 | 3.82 | 4.28 | 4.06 | |||||||||
| Costs (As % Of Loans & Deposits) | % | ... | ... | ... | ... | 1.31 | 1.25 | 1.80 | 1.50 | 1.21 | |||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 16.4 | 17.1 | 18.8 | 20.6 | 19.1 | ||||||||||
| Tier 1 Ratio | % | ... | ... | ... | 16.4 | 17.1 | 18.8 | 20.6 | 16.1 | ||||||||||
| Net Interest Margin | % | ... | ... | ... | ... | 2.39 | 2.62 | 2.67 | 1.92 | 1.57 | |||||||||
| Interest Spread | % | ... | ... | ... | ... | 2.17 | 2.45 | 2.45 | 1.75 | 1.46 | |||||||||
| Asset Yield | % | ... | ... | ... | ... | 3.71 | 3.42 | 3.61 | 2.97 | 2.48 | |||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.66 | 2.60 | 3.06 | 2.76 | 4.35 | ||
| Cost Of Liabilities | % | ... | ... | ... | ... | 1.55 | 0.971 | 1.16 | 1.22 | 1.02 | |||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 80.0 | 0 | 0 | ... | |
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 97.1 | 107 | 88.6 | 104 | 66.3 | ||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 9.93 | 9.26 | 7.83 | 12.8 | 6.09 | ||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | -7.06 | -16.1 | 3.61 | -16.9 | 27.6 | ||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 55.6 | 54.8 | 60.3 | 56.0 | 52.3 | ||||||||||
| Equity (As % Of Assets) | % | ... | ... | ... | 16.2 | 18.1 | 20.1 | 10.7 | 10.5 | ||||||||||
| Equity (As % Of Loans) | % | ... | ... | ... | 22.6 | 24.7 | 30.6 | 32.7 | 26.2 | ||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | 86.3 | 90.1 | 86.9 | 37.7 | 47.4 | ||||||||||
| Loans (As % Assets) | % | ... | ... | ... | 71.8 | 73.2 | 65.6 | 32.9 | 40.0 | ||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 24.4 | 26.4 | 33.1 | 19.9 | 18.3 | ||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 12.1 | 9.95 | 10.1 | 18.7 | 19.2 | ||||||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | 3.04 | 2.70 | 3.48 | 3.87 | 3.65 | ||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | 0.416 | 0.089 | 0.321 | -1.40 | 1.17 |
| other data | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Branches | ... | ... | ... | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | |||||||||||
| Employees | ... | ... | ... | 104 | 107 | 102 | 112 | 107 | |||||||||||
| Employees Per Bank Branch | ... | ... | ... | 34.7 | 35.7 | 34.0 | 37.3 | 35.7 | |||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | 3,836 | 3,698 | 5,829 | 4,501 | 4,628 | ||||||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | 96,787 | 86,777 | 127,525 | 101,460 | 101,833 |
| customer breakdown | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Customers | mil | 0.011 | 0.011 | 0.015 | 0.020 | 0.030 | |||||||||||||
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | 22,665 | 23,284 | 19,552 | 11,740 | 13,264 | ||||||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | 2,179 | 4,257 | 3,417 | 2,520 | 2,021 | ||||||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | 672,281 | 679,431 | 403,312 | 265,969 | 233,312 | ||||||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | 778,777 | 754,027 | 464,198 | 706,086 | 492,497 | ||||||||||
| Revenue per Customer | USD | ... | ... | ... | 898 | 992 | 894 | 521 | 603 | ||||||||||
| Net Profit per Customer | USD | ... | ... | ... | 86.3 | 181 | 156 | 112 | 91.9 | ||||||||||
| Loan per Customer | USD | ... | ... | ... | 26,221 | 31,912 | 17,952 | 11,758 | 10,909 | ||||||||||
| Deposit per Customer | USD | ... | ... | ... | 30,375 | 35,415 | 20,662 | 31,214 | 23,028 |
Get all company financials in excel:
By Helgi Library - November 23, 2023
Trinity Bank's customer loans reached CZK 17,500 mil in 2023-06-30, up 9.38% compared to the previous year. Czech banking sector provided customer loans of CZK 4,206 in 2023-06-30, up 2.15% when compared to the last year. Trinity Bank accounted for 0.416%...
By Helgi Library - November 23, 2023
Trinity Bank employed 194 persons in 2023-09-30, up 7.18% when compared to the previous year. Historically, the bank's workforce hit an all time high of 194 persons in 2023-09-30 and an all time low of 32.0 in 2013-03-31. Average cost reached USD 6,496 per month ...
By Helgi Library - September 30, 2023
Trinity Bank generated total banking revenues of CZK 438 mil in 2023-06-30, up 19.2% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 67,123 mil in 2023-06-30, up 20.3% when compared to the last year. ...
By Helgi Library - November 23, 2023
Trinity Bank's non-performing loans reached 3.71% of total loans at the end of 2023-09-30, down from 6.12% compared to the previous year. Historically, the NPL ratio hit an all time high of 40.2% in 2015-03-31 and an all time low of 0.525% in 2008-09-30. Pr...
By Helgi Library - November 23, 2023
Trinity Bank's capital adequacy ratio reached 21.5% at the end of third quarter of 2023, down from 22.5% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 23.4% in 1Q2023 and an all time low of 8.31% in 3Q2008. ...
By Helgi Library - September 30, 2023
Trinity Bank's retail deposits reached CZK 61,408 mil in 2023-06-30, up 5.79% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,513 bil in 2023-06-30, up 1.93% when compared to the last year. Trinity Bank accounted for ...
By Helgi Library - November 23, 2023
Trinity Bank generated total banking revenues of CZK 392 mil in the third quarter of 2023, down 28.8% when compared to the same period of last year and 10.5% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, ...
By Helgi Library - September 30, 2023
Trinity Bank's corporate deposits reached CZK 2,900 mil in 2023-06-30, up 3.57% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,503 bil in 2023-06-30, up 2.53% when compared to the last year. Trinity Bank accounted...
By Helgi Library - November 23, 2023
Trinity Bank's net interest margin amounted to 1.75% in the third quarter of 2023, up from 1.71% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 19.2% in 1Q2012 and an all time low of -17.0...
By Helgi Library - September 30, 2023
Trinity Bank's retail loans reached CZK 110 mil in the second quarter of 2023, up 0.917% compared to the previous year. Czech banking sector provided retail loans of CZK 2,203 bil in 2Q2023, up 2.19% when compared to the last year. Trinity Bank accounted ...
Trinity Bank (formerly known as 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.
Trinity Bank has been growing its revenues and asset by 24.4% and 22.0% a year on average in the last 10 years. Its loans and deposits have grown by 9.06% and 22.1% a year during that time and loans to deposits ratio reached 25.8% at the end of 2022. The company achieved an average return on equity of 4.56% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 33.4% in 2022, compared to 66.5% average in the last decade.
Equity represented 7.06% of total assets or 29.9% of loans at the end of 2022. Trinity Bank's non-performing loans were 4.63% of total loans while provisions covered some 18.5% of NPLs at the end of 2022.
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