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Trinity Bank

Trinity Bank - Market Share in Bank Deposits

By Helgi Library - May 22, 2025

Trinity Bank's customer deposits reached CZK 101,828 mil in 2024-09-30, up 8.44% compared to the previous year. Czech banking s...

Trinity's total revenues rose 26.1% yoy to CZK 494 mil in 3Q2024

By Helgi Library - May 22, 2025

Trinity Bank generated total banking revenues of CZK 494 mil in 2024-09-30, up 51.3% compared to the previous year. Czech ...

Trinity Bank - Market Share in Bank Loans

By Helgi Library - May 22, 2025

Trinity Bank's customer loans reached CZK 22,275 mil in 2024-09-30, up 4.58% compared to the previous year. Czech banking secto...

Profit Statement 2022 2023 2024
Net Interest Income CZK mil 1,135 1,228 1,103
Net Fee Income CZK mil 85.7 82.0 116
Other Income CZK mil 322 296 526
Total Revenues CZK mil 1,543 1,606 1,745
Staff Cost CZK mil 272 340 394
Operating Profit CZK mil 1,028 914 748
Provisions CZK mil 25.5 108 46.6
Net Profit CZK mil 803 664 552
Balance Sheet 2022 2023 2024
Interbank Loans CZK mil 33,469 52,179 64,721
Customer Loans CZK mil 15,106 19,015 23,168
Investments CZK mil 12,033 8,506 19,737
Total Assets CZK mil 63,965 85,990 117,448
Shareholders' Equity CZK mil 4,519 5,819 6,972
Interbank Borrowing CZK mil 228 136 360
Customer Deposits CZK mil 58,488 78,053 106,053
Issued Debt Securities CZK mil 314 1,287 3,447
Ratios 2022 2023 2024
ROE % 23.0 12.8 8.63
ROA % 1.60 0.886 0.543
Costs (As % Of Assets) % 1.02 0.923 1.02
Costs (As % Of Income) % 33.4 43.1 59.6
Capital Adequacy Ratio % 22.0 26.9 33.5
Net Interest Margin % 2.25 1.64 1.08
Loans (As % Of Deposits) % 25.8 24.4 21.8
NPLs (As % Of Loans) % 4.63 5.82 5.87
Provisions (As % Of NPLs) % 18.5 22.6 20.5
Growth Rates 2022 2023 2024
Total Revenue Growth % 178 4.11 8.66
Operating Cost Growth % 58.4 34.5 50.4
Operating Profit Growth % 346 -11.1 -18.2
Net Profit Growth % 401 -17.3 -16.9
Customer Loan Growth % 63.2 25.9 21.8
Total Asset Growth % 74.0 34.4 36.6
Customer Deposit Growth % 78.7 33.5 35.9
Shareholders' Equity Growth % 82.1 28.8 19.8
Employees 180 206 221

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summary Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
income statement                                        
Net Interest Income CZK mil ... ... ...                     260 244 264 426 1,135    
Total Revenues CZK mil ... ... ...                     293 235 398 556 1,543    
Operating Profit CZK mil ... ... ...                     34.5 -8.54 148 231 1,028    
Net Profit CZK mil ... ... ...                     51.3 50.4 60.6 160 803    
balance sheet                                        
Interbank Loans CZK mil ... ... ...                     701 608 651 22,230 33,469    
Customer Loans CZK mil ... ... ...                     6,050 5,319 6,999 9,257 15,106    
Investments CZK mil ... ... ...                     0 50.5 2,688 3,455 12,033    
Total Assets CZK mil ... ... ...                     9,226 16,183 17,503 36,760 63,965    
                                           
Shareholders' Equity CZK mil ... ... ...                     1,852 1,737 1,833 2,481 4,519    
Interbank Borrowing CZK mil ... ... ...                     0 124 339 1,074 228    
Customer Deposits CZK mil ... ... ...                     6,963 14,122 14,775 32,729 58,488    
Issued Debt Securities CZK mil ... ... ...                     0 0 314 314 314    
ratios                                        
ROE % ... ... ... ...                   2.77 2.81 3.40 7.44 23.0    
ROA % ... ... ... ...                   0.526 0.397 0.360 0.591 1.60    
Costs (As % Of Assets) % ... ... ... ...                   2.66 1.92 1.49 1.20 1.02    
Costs (As % Of Income) % ... ... ...                     88.2 104 62.9 58.5 33.4    
Capital Adequacy Ratio % ... ... ...                     18.8 20.6 19.1 21.5 22.0    
Net Interest Margin % ... ... ... ...                   2.67 1.92 1.57 1.57 2.25    
Interest Income (As % Of Revenues) % ... ... ...                     88.6 104 66.3 76.6 73.6    
Fee Income (As % Of Revenues) % ... ... ...                     7.83 12.8 6.09 7.98 5.55    
Staff Cost (As % Of Total Cost) % ... ... ...                     60.3 56.0 52.3 51.3 52.8    
Equity (As % Of Assets) % ... ... ...                     20.1 10.7 10.5 6.75 7.06    
Loans (As % Of Deposits) % ... ... ...                     86.9 37.7 47.4 28.3 25.8    
Loans (As % Assets) % ... ... ...                     65.6 32.9 40.0 25.2 23.6    
NPLs (As % Of Loans) % ... ... ...                     33.1 19.9 18.3 9.56 4.63    
Provisions (As % Of NPLs) % ... ... ...                     10.1 18.7 19.2 14.9 18.5    
valuation                                        
Book Value Per Share Growth % ... ... ... ...                   -5.40 -5.90 7.91 61.3 167    
income statement Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
income statement                                        
Interest Income CZK mil ... ... ...                     351 378 417 582 3,458    
Interest Cost CZK mil ... ... ...                     91.5 133 153 157 2,323    
Net Interest Income CZK mil ... ... ...                     260 244 264 426 1,135    
Net Fee Income CZK mil ... ... ...                     23.0 30.1 24.2 44.3 85.7    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 24.4 31.4 31.2 52.6 96.1    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 1.44 1.31 6.98 8.26 10.4    
Other Income CZK mil ... ... ...                     10.6 -39.7 110 85.7 322    
Total Revenues CZK mil ... ... ...                     293 235 398 556 1,543    
Staff Cost CZK mil ... ... ...                     156 136 131 167 272    
Depreciation CZK mil ... ... ...                     30.9 41.0 48.2 53.8 65.4    
Other Cost CZK mil ... ... ...                     71.8 66.0 71.2 104 177    
Operating Cost CZK mil ... ... ...                     259 243 250 325 515    
Operating Profit CZK mil ... ... ...                     34.5 -8.54 148 231 1,028    
Provisions CZK mil ... ... ...                     21.7 -79.4 72.4 30.1 25.5    
Extra and Other Cost CZK mil ... ... ...                     0.001 5.06 0 0 0    
Pre-Tax Profit CZK mil ... ... ...                     12.7 65.8 75.4 201 1,002    
Tax CZK mil ... ... ...                     -38.5 15.5 14.8 40.3 199    
Minorities CZK mil ... ... ...                     0 0 0 0 0    
Net Profit CZK mil ... ... ...                     51.3 50.4 60.6 160 803    
Net Profit Avail. to Common CZK mil ... ... ...                     51.3 50.4 60.6 160 803    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 41.0 0 0 167 378    
growth rates                                        
Net Interest Income Growth % ... ... ... ...                   -5.40 -5.90 7.91 61.3 167    
Net Fee Income Growth % ... ... ... ...                   -3.45 31.0 -19.4 82.8 93.4    
Total Revenue Growth % ... ... ... ...                   14.1 -19.9 69.5 39.6 178    
Operating Cost Growth % ... ... ... ...                   27.3 -5.98 2.79 29.8 58.4    
Operating Profit Growth % ... ... ... ...                   -35.9 -125 -1,830 56.1 346    
Pre-Tax Profit Growth % ... ... ... ...                   -72.9 416 14.5 166 400    
Net Profit Growth % ... ... ... ...                   9.07 -1.70 20.3 165 401    
market share                                        
Market Share in Revenues % ... ... ...                     0.154 0.116 0.221 0.301 0.660   ...
Market Share in Net Profit % ... ... ...                     0.064 0.056 0.131 0.232 0.795    
Market Share in Employees % ... ... ...                     0.244 0.269 0.263 0.285 0.457   ...
Market Share in Branches % ... ... ...                     0.153 0.158 0.178 0.251 0.524   ...
balance sheet Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
balance sheet                                        
Cash & Cash Equivalents CZK mil ... ... ...                     866 8,838 5,992 444 1,672    
Interbank Loans CZK mil ... ... ...                     701 608 651 22,230 33,469    
Customer Loans CZK mil ... ... ...                     6,050 5,319 6,999 9,257 15,106    
Retail Loans CZK mil ... ... ... ... ... ... ... ...           300 257 235 113 109    
Corporate Loans CZK mil ... ... ... ... ... ... ... ...           5,600 5,042 6,748 8,694 13,789    
Investments CZK mil ... ... ...                     0 50.5 2,688 3,455 12,033    
Property and Equipment CZK mil ... ... ...                     526 495 505 366 405    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 65.3 87.1 72.4 63.3 117    
Total Assets CZK mil ... ... ...                     9,226 16,183 17,503 36,760 63,965    
                                           
Shareholders' Equity CZK mil ... ... ...                     1,852 1,737 1,833 2,481 4,519    
Of Which Minority Interest CZK mil ... ... ...                     0 0 0 0 0    
Liabilities CZK mil ... ... ...                     7,374 14,446 15,670 34,279 59,447    
Interbank Borrowing CZK mil ... ... ...                     0 124 339 1,074 228    
Customer Deposits CZK mil ... ... ...                     6,963 14,122 14,775 32,729 58,488    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 12,360 13,457 30,354 54,081    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,062 860 1,495 2,664    
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 1,291 9,488 11,121 30,149 53,531    
Term Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 5,672 4,634 3,653 2,580 4,958    
Issued Debt Securities CZK mil ... ... ...                     0 0 314 314 314    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0 314 314 314    
Other Liabilities CZK mil ... ... ...                     411 200 241 161 416    
asset quality                                        
Non-Performing Loans CZK mil ... ... ...                     2,075 1,100 1,329 898 705    
Gross Loans CZK mil ... ... ...                     6,260 5,525 7,255 9,390 15,237    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ...       9,238 7,751 10,541 11,925 17,750    
Total Provisions CZK mil ... ... ...                     210 206 256 134 131    
growth rates                                        
Customer Loan Growth % ... ... ... ...                   -19.3 -12.1 31.6 32.3 63.2    
Retail Loan Growth % ... ... ... ... ... ... ... ... ...         -16.7 -14.3 -8.57 -51.9 -4.00    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ...         -9.45 -9.97 33.8 28.8 58.6    
Total Asset Growth % ... ... ... ...                   -9.98 75.4 8.16 110 74.0    
Shareholders' Equity Growth % ... ... ... ...                   -0.007 -6.21 5.54 35.3 82.1    
Customer Deposit Growth % ... ... ... ...                   -16.3 103 4.63 122 78.7    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 8.87 126 78.2    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -19.0 73.8 78.2    
market share                                        
Market Share in Customer Loans % ... ... ...                     0.183 0.154 0.195 0.241 0.371    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ...           0.518 0.450 0.601 0.732 1.11    
Market Share in Retail Loans % ... ... ... ... ... ... ... ...           0.018 0.015 0.013 0.006 0.005    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ...           0.018 0.015 0.013 0.006 ... ... ...
Market Share in Total Assets % ... ... ...                     0.127 0.214 0.220 0.431 0.718   ...
Market Share in Customer Deposits % ... ... ...                     0.157 0.298 0.286 0.595 0.998    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.454 0.440 0.930 1.59    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.097 0.071 0.114 0.195    
ratios Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                         
ROE % ... ... ... ...                   2.77 2.81 3.40 7.44 23.0    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2.93 3.56 7.68 23.6    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ...     3.57 3.96 4.42 9.52 36.1    
ROA % ... ... ... ...                   0.526 0.397 0.360 0.591 1.60    
Return on Loans % ... ... ...                     0.757 0.886 0.984 1.97 6.59    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ...     0.360 -0.101 1.62 2.05 6.93    
Costs (As % Of Assets) % ... ... ... ...                   2.66 1.92 1.49 1.20 1.02    
Costs (As % Of Income) % ... ... ...                     88.2 104 62.9 58.5 33.4    
Costs (As % Of Loans) % ... ... ... ...                   3.82 4.28 4.06 4.00 4.22    
Costs (As % Of Loans & Deposits) % ... ... ... ...                   1.80 1.50 1.21 1.02 0.890    
Capital Adequacy Ratio % ... ... ...                     18.8 20.6 19.1 21.5 22.0    
Tier 1 Ratio % ... ... ...                     18.8 20.6 16.1 18.9 20.3    
Net Interest Margin % ... ... ... ...                   2.67 1.92 1.57 1.57 2.25    
Interest Spread % ... ... ... ...                   2.45 1.75 1.46 1.52 1.91    
Asset Yield % ... ... ... ...                   3.61 2.97 2.48 2.15 6.87    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ...     3.06 2.76 4.35 4.95 10.4    
Cost Of Liabilities % ... ... ... ...                   1.16 1.22 1.02 0.627 4.96    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... 80.0 0 0 104 47.1    
Interest Income (As % Of Revenues) % ... ... ...                     88.6 104 66.3 76.6 73.6    
Fee Income (As % Of Revenues) % ... ... ...                     7.83 12.8 6.09 7.98 5.55    
Other Income (As % Of Revenues) % ... ... ...                     3.61 -16.9 27.6 15.4 20.9    
Staff Cost (As % Of Total Cost) % ... ... ...                     60.3 56.0 52.3 51.3 52.8    
Equity (As % Of Assets) % ... ... ...                     20.1 10.7 10.5 6.75 7.06    
Equity (As % Of Loans) % ... ... ...                     30.6 32.7 26.2 26.8 29.9    
Loans (As % Of Deposits) % ... ... ...                     86.9 37.7 47.4 28.3 25.8    
Loans (As % Assets) % ... ... ...                     65.6 32.9 40.0 25.2 23.6    
NPLs (As % Of Loans) % ... ... ...                     33.1 19.9 18.3 9.56 4.63    
Provisions (As % Of NPLs) % ... ... ...                     10.1 18.7 19.2 14.9 18.5    
Provisions (As % Of Loans) % ... ... ...                     3.48 3.87 3.65 1.44 0.865    
Cost of Provisions (As % Of Loans) % ... ... ... ...                   0.321 -1.40 1.17 0.370 0.210    
other data Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                         
Branches ... ... ...                     3.00 3.00 3.00 4.00 8.00    
Employees ... ... ...                     102 112 107 113 180    
Employees Per Bank Branch ... ... ...                     34.0 37.3 35.7 28.3 22.5    
Cost Per Employee USD per month ... ... ...                     5,829 4,501 4,628 5,673 5,648    
Cost Per Employee (Local Currency) CZK per month ... ... ...                     127,525 101,460 101,833 122,922 125,868    
customer breakdown Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                         
Customers mil                           0.015 0.020 0.030 0.041 0.100    
Revenue per Customer (Local Currency) CZK ... ... ...                     19,552 11,740 13,264 13,549 15,425    
Net Profit per Customer (Local Currency) CZK ... ... ...                     3,417 2,520 2,021 3,912 8,033    
Loan per Customer (Local Currency) CZK ... ... ...                     403,312 265,969 233,312 225,776 151,059    
Deposit per Customer (Local Currency) CZK ... ... ...                     464,198 706,086 492,497 798,265 584,881    
Revenue per Customer USD ... ... ...                     894 521 603 625 692    
Net Profit per Customer USD ... ... ...                     156 112 91.9 181 360    
Loan per Customer USD ... ... ...                     17,952 11,758 10,909 10,285 6,679    
Deposit per Customer USD ... ... ...                     20,662 31,214 23,028 36,366 25,861    

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Trinity's employees rose 44.6% yoy to 249 in 1Q2025

By Helgi Library - May 22, 2025

Trinity Bank employed 249 persons in 2025-03-31, up 12.7% when compared to the previous year. Historically, the bank's workforce hit an all time high of 249 persons in 2025-03-31 and an all time low of 32.0 in 2013-03-31. Average cost reached USD 6,843 per month ...

Trinity's capital adequacy ratio rose 25.5% yoy to 32.9% in 1Q2025

By Helgi Library - May 22, 2025

Trinity Bank's capital adequacy ratio reached 32.9% at the end of first quarter of 2025, down from 33.5% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 33.5% in 4Q2024 and an all time low of 8.31% in 3Q2008. ...

Trinity Bank - Market Share in Retail Loans

By Helgi Library - May 22, 2025

Trinity Bank's retail loans reached CZK 25.0 mil in the third quarter of 2024, down 50.0% compared to the previous year. Czech banking sector provided retail loans of CZK 2,333 bil in 3Q2024, up 1.52% when compared to the last year. Trinity Bank accounted...

Trinity Bank - Market Share in Retail Deposits

By Helgi Library - May 22, 2025

Trinity Bank's retail deposits reached CZK 94,352 mil in 2024-09-30, up 8.64% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,846 bil in 2024-09-30, up 1.05% when compared to the last year. Trinity Bank accounted for ...

Trinity's net profit fell 18.6% yoy to CZK 84.1 mil in 1Q2025

By Helgi Library - May 22, 2025

Trinity Bank made a net profit of CZK 84.1 mil in the first quarter of 2025, down 18.6% when compared to the same period of last year. This implies a return on equity of 4.80%. Historically, the bank’s net profit reached an all time high of CZK 316 mil in 3Q2022 ...

Trinity's net profit fell 18.6% yoy to CZK 84.1 mil in 1Q2025

By Helgi Library - May 22, 2025

Trinity Bank made a net profit of CZK 84.1 mil under revenues of CZK 386 mil in the first quarter of 2025, down 18.6% and up 1.2% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of ...

Trinity Bank - Market Share in Corporate Deposits

By Helgi Library - May 22, 2025

Trinity Bank's corporate deposits reached CZK 3,830 mil in 2024-09-30, up 6.98% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,513 bil in 2024-09-30, down 0.626% when compared to the last year. Trinity Bank accoun...

Trinity's npls (as % of loans) fell 2.58% yoy to 5.68% in 1Q2025

By Helgi Library - May 22, 2025

Trinity Bank's non-performing loans reached 5.68% of total loans at the end of 2025-03-31, down from 5.83% 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...

Trinity's net interest margin fell 5.56% yoy to 1.02% in 1Q2025

By Helgi Library - May 22, 2025

Trinity Bank's net interest margin amounted to 1.02% in the first quarter of 2025, down from 1.06% 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...

Trinity's net interest income rose 12.0% yoy to CZK 298 mil in 1Q2025

By Helgi Library - May 22, 2025

Trinity Bank generated total banking revenues of CZK 386 mil in the first quarter of 2025, up 1.2% when compared to the same period of last year and down 34.2% when compared to the previous quarter. Historically, the bank’s revenues containing of ...

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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.

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Finance

Trinity Bank has been growing its revenues and asset by 15.4% and 28.4% a year on average in the last 10 years. Its loans and deposits have grown by 12.6% and 28.9% a year during that time and loans to deposits ratio reached 21.8% at the end of 2024. The company achieved an average return on equity of 6.67% in the last decade with net profit growing 33.7% a year on average. In terms of operating efficiency, its cost to income ratio reached 59.6% in 2024, compared to 66.7% average in the last decade.

Equity represented 5.94% of total assets or 30.1% of loans at the end of 2024. Trinity Bank's non-performing loans were 5.87% of total loans while provisions covered some 20.5% of NPLs at the end of 2024.