By Helgi Analytics - September 21, 2021
Trinity Bank made a net profit of CZK 30.6 mil in the second quarter of 2021, up 149% when compared to the same period of last ye...
By Helgi Analytics - September 21, 2021
Trinity Bank made a net profit of CZK 30.6 mil under revenues of CZK 116 mil in the second quarter of 2021, up 149% and 2.98%...
By Helgi Analytics - September 21, 2021
Trinity Bank's customer deposits reached CZK 14,775 mil in 2020-12-31, down 4.47% compared to the previous year. Czech banking ...
| Profit Statement | 2018 | 2019 | 2020 | |
| Net Interest Income | CZK mil | 260 | 244 | 264 |
| Net Fee Income | CZK mil | 23.0 | 30.1 | 24.2 |
| Other Income | CZK mil | 10.6 | -39.7 | 110 |
| Total Revenues | CZK mil | 293 | 235 | 398 |
| Staff Cost | CZK mil | 156 | 136 | 131 |
| Operating Profit | CZK mil | 34.5 | -8.54 | 148 |
| Provisions | CZK mil | 21.7 | -79.4 | 72.4 |
| Net Profit | CZK mil | 51.3 | 50.4 | 60.6 |
| Balance Sheet | 2018 | 2019 | 2020 | |
| Interbank Loans | CZK mil | 701 | 608 | 651 |
| Customer Loans | CZK mil | 6,050 | 5,319 | 6,999 |
| Investments | CZK mil | 0 | 50.5 | 2,688 |
| Total Assets | CZK mil | 9,226 | 16,183 | 17,503 |
| Shareholders' Equity | CZK mil | 1,852 | 1,737 | 1,833 |
| Interbank Borrowing | CZK mil | 0 | 124 | 339 |
| Customer Deposits | CZK mil | 6,963 | 14,122 | 14,775 |
| Issued Debt Securities | CZK mil | 0 | 0 | 314 |
| Ratios | 2018 | 2019 | 2020 | |
| ROE | % | 2.77 | 2.81 | 3.40 |
| ROA | % | 0.526 | 0.397 | 0.360 |
| Costs (As % Of Assets) | % | 2.66 | 1.92 | 1.49 |
| Costs (As % Of Income) | % | 88.2 | 104 | 62.9 |
| Capital Adequacy Ratio | % | 18.8 | 20.6 | 19.1 |
| Net Interest Margin | % | 2.67 | 1.92 | 1.57 |
| Loans (As % Of Deposits) | % | 86.9 | 37.7 | 47.4 |
| NPLs (As % Of Loans) | % | 33.1 | 19.9 | 18.3 |
| Provisions (As % Of NPLs) | % | 10.1 | 18.7 | 19.2 |
| Valuation | 2018 | 2019 | 2020 | |
| Market Capitalisation | USD mil | ... | ... | 148 |
| Number Of Shares | mil | ... | ... | 1.00 |
| Share Price | CZK | ... | ... | 3,172 |
| Price/Earnings (P/E) | ... | ... | 52.3 | |
| Price/Book Value (P/BV) | ... | ... | 1.73 | |
| Earnings Per Share (EPS) | CZK | ... | ... | 60.6 |
| Book Value Per Share | CZK | ... | ... | 1,833 |
Get all company financials in excel:
| summary | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| income statement | |||||||||||||||||
| Net Interest Income | CZK mil | 378 | 360 | 253 | 275 | 260 | |||||||||||
| Total Revenues | CZK mil | 417 | 417 | 260 | 257 | 293 | |||||||||||
| Operating Profit | CZK mil | 195 | 189 | 42.9 | 53.8 | 34.5 | |||||||||||
| Net Profit | CZK mil | 30.2 | 20.2 | 25.0 | 47.0 | 51.3 | |||||||||||
| balance sheet | |||||||||||||||||
| Interbank Loans | CZK mil | 1,704 | 1,573 | 1,652 | 1,315 | 701 | |||||||||||
| Customer Loans | CZK mil | 7,056 | 7,452 | 7,721 | 7,500 | 6,050 | |||||||||||
| Investments | CZK mil | 54.1 | 0 | 0 | 0 | 0 | |||||||||||
| Total Assets | CZK mil | 9,648 | 10,421 | 10,747 | 10,249 | 9,226 | |||||||||||
| Shareholders' Equity | CZK mil | 1,160 | 1,320 | 1,743 | 1,852 | 1,852 | |||||||||||
| Interbank Borrowing | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||
| Customer Deposits | CZK mil | 8,399 | 9,009 | 8,944 | 8,324 | 6,963 | |||||||||||
| Issued Debt Securities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||
| ratios | |||||||||||||||||
| ROE | % | ... | 2.93 | 1.63 | 1.63 | 2.61 | 2.77 | ||||||||||
| ROA | % | ... | 0.342 | 0.201 | 0.236 | 0.448 | 0.526 | ||||||||||
| Costs (As % Of Assets) | % | ... | 2.51 | 2.28 | 2.05 | 1.94 | 2.66 | ||||||||||
| Costs (As % Of Income) | % | 53.2 | 54.7 | 83.5 | 79.1 | 88.2 | |||||||||||
| Capital Adequacy Ratio | % | 12.1 | 12.4 | 16.4 | 17.1 | 18.8 | ... | ... | ... | ||||||||
| Net Interest Margin | % | ... | 4.27 | 3.58 | 2.39 | 2.62 | 2.67 | ||||||||||
| Interest Income (As % Of Revenues) | % | 90.6 | 86.1 | 97.1 | 107 | 88.6 | |||||||||||
| Fee Income (As % Of Revenues) | % | 4.47 | 8.55 | 9.93 | 9.26 | 7.83 | |||||||||||
| Staff Cost (As % Of Total Cost) | % | 52.3 | 48.7 | 55.6 | 54.8 | 60.3 | |||||||||||
| Equity (As % Of Assets) | % | 12.0 | 12.7 | 16.2 | 18.1 | 20.1 | |||||||||||
| Loans (As % Of Deposits) | % | 84.0 | 82.7 | 86.3 | 90.1 | 86.9 | |||||||||||
| Loans (As % Assets) | % | 73.1 | 71.5 | 71.8 | 73.2 | 65.6 | |||||||||||
| NPLs (As % Of Loans) | % | 39.0 | 39.4 | 24.4 | 26.4 | 33.1 | |||||||||||
| Provisions (As % Of NPLs) | % | 12.5 | 15.4 | 12.1 | 9.95 | 10.1 | |||||||||||
| valuation | |||||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||
| Share Price | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| income statement | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| income statement | |||||||||||||||||
| Interest Income | CZK mil | 519 | 519 | 393 | 359 | 351 | |||||||||||
| Interest Cost | CZK mil | 141 | 160 | 140 | 84.5 | 91.5 | |||||||||||
| Net Interest Income | CZK mil | 378 | 360 | 253 | 275 | 260 | |||||||||||
| Net Fee Income | CZK mil | 18.6 | 35.7 | 25.9 | 23.8 | 23.0 | |||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 24.4 | ... | ... | ... | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.44 | ... | ... | ... | ||
| Other Income | CZK mil | 20.6 | 22.2 | -18.4 | -41.3 | 10.6 | |||||||||||
| Total Revenues | CZK mil | 417 | 417 | 260 | 257 | 293 | |||||||||||
| Staff Cost | CZK mil | 116 | 111 | 121 | 111 | 156 | |||||||||||
| Depreciation | CZK mil | 18.9 | 17.0 | 19.5 | 18.0 | 30.9 | |||||||||||
| Other Cost | CZK mil | 87.0 | 100 | 77.1 | 73.9 | 71.8 | |||||||||||
| Operating Cost | CZK mil | 222 | 228 | 217 | 203 | 259 | |||||||||||
| Operating Profit | CZK mil | 195 | 189 | 42.9 | 53.8 | 34.5 | |||||||||||
| Provisions | CZK mil | 144 | 158 | 31.6 | 6.77 | 21.7 | |||||||||||
| Extra and Other Cost | CZK mil | 0 | < -0.001 | 0.002 | -0.003 | 0.001 | |||||||||||
| Pre-Tax Profit | CZK mil | 50.8 | 31.4 | 11.3 | 47.0 | 12.7 | |||||||||||
| Tax | CZK mil | 20.6 | 11.2 | -13.7 | 0 | -38.5 | |||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||
| Net Profit | CZK mil | 30.2 | 20.2 | 25.0 | 47.0 | 51.3 | |||||||||||
| Net Profit Avail. to Common | CZK mil | 30.2 | 20.2 | 25.0 | 47.0 | 51.3 | |||||||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 41.0 | ... | ... | ... | ... | |
| growth rates | |||||||||||||||||
| Net Interest Income Growth | % | ... | -29.5 | -4.77 | -29.7 | 8.61 | -5.40 | ||||||||||
| Net Fee Income Growth | % | ... | -54.1 | 91.6 | -27.6 | -7.98 | -3.45 | ||||||||||
| Total Revenue Growth | % | ... | -32.0 | 0.169 | -37.6 | -1.26 | 14.1 | ||||||||||
| Operating Cost Growth | % | ... | -24.3 | 2.96 | -4.83 | -6.50 | 27.3 | ||||||||||
| Operating Profit Growth | % | ... | -39.1 | -3.01 | -77.3 | 25.3 | -35.9 | ||||||||||
| Pre-Tax Profit Growth | % | ... | 1,342 | -38.2 | -63.9 | 314 | -72.9 | ||||||||||
| Net Profit Growth | % | ... | -261 | -33.3 | 24.0 | 87.8 | 9.07 | ||||||||||
| market share | |||||||||||||||||
| Market Share in Revenues | % | 0.248 | 0.240 | 0.144 | 0.143 | 0.154 | ... | ... | ... | ... | ... | ||||||
| Market Share in Net Profit | % | ... | ... | 0.048 | 0.030 | 0.034 | 0.062 | 0.063 | ... | ... | ... | ... | ... | ||||
| Market Share in Employees | % | 0.226 | 0.255 | 0.254 | 0.255 | 0.244 | ... | ... | ... | ... | ... | ||||||
| Market Share in Branches | % | 0.135 | 0.139 | 0.147 | 0.154 | 0.153 | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| balance sheet | |||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 178 | 715 | 1,981 | 1,611 | 866 | |||||||||||
| Interbank Loans | CZK mil | 1,704 | 1,573 | 1,652 | 1,315 | 701 | |||||||||||
| Customer Loans | CZK mil | 7,056 | 7,452 | 7,721 | 7,500 | 6,050 | |||||||||||
| Retail Loans | CZK mil | ... | ... | ... | ... | ... | 975 | 866 | 613 | 360 | ... | ||||||
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | 6,599 | 6,732 | 6,458 | 6,184 | ... | ||||||
| Investments | CZK mil | 54.1 | 0 | 0 | 0 | 0 | |||||||||||
| Property and Equipment | CZK mil | 576 | 616 | 553 | 583 | 526 | |||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 65.3 | |||||
| Total Assets | CZK mil | 9,648 | 10,421 | 10,747 | 10,249 | 9,226 | |||||||||||
| Shareholders' Equity | CZK mil | 1,160 | 1,320 | 1,743 | 1,852 | 1,852 | |||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||
| Liabilities | CZK mil | 8,488 | 9,101 | 9,004 | 8,396 | 7,374 | |||||||||||
| Interbank Borrowing | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||
| Customer Deposits | CZK mil | 8,399 | 9,009 | 8,944 | 8,324 | 6,963 | |||||||||||
| Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||
| Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,291 | |||||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,672 | |||||
| Issued Debt Securities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||
| Other Liabilities | CZK mil | 88.9 | 92.6 | 60.2 | 72.7 | 411 | |||||||||||
| asset quality | |||||||||||||||||
| Non-Performing Loans | CZK mil | 2,891 | 3,127 | 1,945 | 2,032 | 2,075 | |||||||||||
| Gross Loans | CZK mil | 7,419 | 7,934 | 7,956 | 7,702 | 6,260 | |||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9,929 | 9,238 | ... | ... | ... | ||
| Total Provisions | CZK mil | 363 | 482 | 235 | 202 | 210 | |||||||||||
| growth rates | |||||||||||||||||
| Customer Loan Growth | % | ... | 7.82 | 5.60 | 3.61 | -2.86 | -19.3 | ||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | -0.158 | -11.2 | -29.2 | -41.3 | ... | ... | ||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | 11.3 | 2.00 | -4.06 | -4.24 | ... | ... | ||||
| Total Asset Growth | % | ... | 20.1 | 8.01 | 3.13 | -4.64 | -9.98 | ||||||||||
| Shareholders' Equity Growth | % | ... | 27.8 | 13.8 | 32.1 | 6.27 | -0.007 | ||||||||||
| Customer Deposit Growth | % | ... | 18.8 | 7.26 | -0.718 | -6.93 | -16.3 | ||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||
| market share | |||||||||||||||||
| Market Share in Customer Loans | % | 0.268 | 0.268 | 0.262 | 0.243 | 0.183 | ... | ... | ... | ||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | 0.755 | 0.731 | 0.662 | 0.605 | ... | ... | ... | ... | |||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | 0.079 | 0.065 | 0.043 | 0.024 | ... | ... | ... | ... | |||
| Market Share in Total Assets | % | 0.179 | 0.188 | 0.179 | 0.145 | 0.126 | ... | ... | ... | ||||||||
| Market Share in Customer Deposits | % | 0.244 | 0.256 | 0.237 | 0.200 | 0.157 | ... | ... | ... | ||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| ratios | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| ROE | % | ... | 2.93 | 1.63 | 1.63 | 2.61 | 2.77 | ||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.57 | ... | ... | ... | ||
| ROA | % | ... | 0.342 | 0.201 | 0.236 | 0.448 | 0.526 | ||||||||||
| Return on Loans | % | ... | 0.445 | 0.278 | 0.330 | 0.618 | 0.757 | ||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.360 | ... | ... | ... | ||
| Costs (As % Of Assets) | % | ... | 2.51 | 2.28 | 2.05 | 1.94 | 2.66 | ||||||||||
| Costs (As % Of Income) | % | 53.2 | 54.7 | 83.5 | 79.1 | 88.2 | |||||||||||
| Costs (As % Of Loans) | % | ... | 3.26 | 3.15 | 2.87 | 2.67 | 3.82 | ||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 1.53 | 1.43 | 1.31 | 1.25 | 1.80 | ||||||||||
| Capital Adequacy Ratio | % | 12.1 | 12.4 | 16.4 | 17.1 | 18.8 | ... | ... | ... | ||||||||
| Tier 1 Ratio | % | 11.9 | 12.3 | 16.4 | 17.1 | 18.8 | ... | ... | ... | ||||||||
| Net Interest Margin | % | ... | 4.27 | 3.58 | 2.39 | 2.62 | 2.67 | ||||||||||
| Interest Spread | % | ... | 4.06 | 3.36 | 2.17 | 2.45 | 2.45 | ||||||||||
| Asset Yield | % | ... | 5.87 | 5.18 | 3.71 | 3.42 | 3.61 | ||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.06 | ... | ... | ... | ||
| Cost Of Liabilities | % | ... | 1.81 | 1.82 | 1.55 | 0.971 | 1.16 | ||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 80.0 | ... | ... | ... | ... | |
| Interest Income (As % Of Revenues) | % | 90.6 | 86.1 | 97.1 | 107 | 88.6 | |||||||||||
| Fee Income (As % Of Revenues) | % | 4.47 | 8.55 | 9.93 | 9.26 | 7.83 | |||||||||||
| Other Income (As % Of Revenues) | % | 4.94 | 5.32 | -7.06 | -16.1 | 3.61 | |||||||||||
| Staff Cost (As % Of Total Cost) | % | 52.3 | 48.7 | 55.6 | 54.8 | 60.3 | |||||||||||
| Equity (As % Of Assets) | % | 12.0 | 12.7 | 16.2 | 18.1 | 20.1 | |||||||||||
| Equity (As % Of Loans) | % | 16.4 | 17.7 | 22.6 | 24.7 | 30.6 | |||||||||||
| Loans (As % Of Deposits) | % | 84.0 | 82.7 | 86.3 | 90.1 | 86.9 | |||||||||||
| Loans (As % Assets) | % | 73.1 | 71.5 | 71.8 | 73.2 | 65.6 | |||||||||||
| NPLs (As % Of Loans) | % | 39.0 | 39.4 | 24.4 | 26.4 | 33.1 | |||||||||||
| Provisions (As % Of NPLs) | % | 12.5 | 15.4 | 12.1 | 9.95 | 10.1 | |||||||||||
| Provisions (As % Of Loans) | % | 5.14 | 6.47 | 3.04 | 2.70 | 3.48 | |||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 2.12 | 2.17 | 0.416 | 0.089 | 0.321 |
| other data | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| Branches | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | ||||||||||||
| Employees | 91.0 | 105 | 104 | 107 | 102 | ||||||||||||
| Employees Per Bank Branch | 30.3 | 35.0 | 34.7 | 35.7 | 34.0 | ||||||||||||
| Cost Per Employee | USD per month | 4,968 | 3,700 | 3,836 | 3,698 | 5,829 | |||||||||||
| Cost Per Employee (Local Currency) | CZK per month | 106,185 | 88,321 | 96,787 | 86,777 | 127,525 |
| customer breakdown | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| Customers | mil | 0.011 | 0.012 | 0.011 | 0.011 | 0.015 | |||||||||||
| Market Value per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||
| Revenue per Customer (Local Currency) | CZK | 36,240 | 34,989 | 22,665 | 23,284 | 19,552 | |||||||||||
| Net Profit per Customer (Local Currency) | CZK | 2,630 | 1,691 | 2,179 | 4,257 | 3,417 | |||||||||||
| Loan per Customer (Local Currency) | CZK | 613,647 | 624,608 | 672,281 | 679,431 | 403,312 | |||||||||||
| Deposit per Customer (Local Currency) | CZK | 730,386 | 755,119 | 778,777 | 754,027 | 464,198 | |||||||||||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||
| Revenue per Customer | USD | 1,696 | 1,466 | 898 | 992 | 894 | |||||||||||
| Net Profit per Customer | USD | 123 | 70.9 | 86.3 | 181 | 156 | |||||||||||
| Loan per Customer | USD | 26,780 | 25,161 | 26,221 | 31,912 | 17,952 | |||||||||||
| Deposit per Customer | USD | 31,875 | 30,419 | 30,375 | 35,415 | 20,662 |
Get all company financials in excel:
By Helgi Analytics - September 21, 2021
Trinity Bank's capital adequacy ratio reached 20.6% at the end of first quarter of 2021, up from 19.1% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 22.7% in 2Q2020 and an all time low of 8.31% in 3Q2008. ...
By Helgi Analytics - September 21, 2021
Trinity Bank's non-performing loans reached 17.2% of total loans at the end of 2021-03-31, up from 6.39% 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. Prov...
By Helgi Analytics - September 21, 2021
Trinity Bank's net interest margin amounted to 2.15% in the second quarter of 2021, up from 1.79% 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....
By Helgi Analytics - September 21, 2021
Trinity Bank generated total banking revenues of CZK 131 mil in 2020-09-30, up 16.3% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 41,746 mil in 2020-09-30, down 13.4% when compared to the last year...
By Helgi Analytics - September 21, 2021
Trinity Bank's customer loans reached CZK 6,999 mil in 2020-12-31, down 47.8% 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. Trinity Bank accounted fo...
By Helgi Analytics - September 21, 2021
Trinity Bank employed 100 persons in 2020-03-31, up 6.38% when compared to the previous year. Historically, the bank's workforce hit an all time high of 112 persons in 2017-09-30 and an all time low of 32.0 in 2013-03-31. Average cost reached USD 4,444 per month ...
By Helgi Analytics - September 21, 2021
Trinity Bank's cost to income ratio reached 67.8% in the second quarter of 2021, down from when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 547% of income in 1Q2019 and an all time low of -67.5% in 4Q2010. ...
By Helgi Analytics - September 21, 2021
Trinity Bank generated total banking revenues of CZK 116 mil in the second quarter of 2021, up 2.98% when compared to the same period of last year and down 3.86% when compared to the previous quarter. Historically, the bank’s revenues containing o...
By Helgi Analytics - September 21, 2021
Trinity Bank's customer loan growth reached -16.6% in 2021-06-30, down from 23.5% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 293% in 2008-12-31 and an all time low of -64.2% in 2021-03-31. In the last ...
By Helgi Analytics - September 21, 2021
Trinity Bank's Cost of Risk (loan loss provisions as % of total assets) amounted to -0.015% in the second quarter of 2021, down from 0.189% when compared to the previous quarter. Historically, the bank’s cost of risk reached an all time high of 9.46% in 3Q2010 ...
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 -0.012% and 9.07% a year on average in the last 10 years. Its loans and deposits have grown by 3.59% and 8.61% a year during that time and loans to deposits ratio reached 57.7% at the end of 2023. The company achieved an average return on equity of 3.52% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 54.3% in 2023, compared to 69.7% average in the last decade.
Equity represented 11.4% of total assets or 23.4% of loans at the end of 2023. Trinity Bank's non-performing loans were 23.8% of total loans while provisions covered some 13.9% of NPLs at the end of 2023.
Trinity Bank stock traded at per share at the end of 2023 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 5.82% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 21.1x and price to book value (PBV) of 1.45x in 2023.
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