By Helgi Analytics - February 10, 2021
Trinity Bank's capital adequacy ratio reached 20.5% at the end of third quarter of 2020, down from 22.7% when compared to the pre...
By Helgi Analytics - February 10, 2021
Trinity Bank's non-performing loans reached 8.94% of total loans at the end of 2020-09-30, up from 8.67% compared to the previous...
By Helgi Analytics - February 10, 2021
Trinity Bank made a net profit of CZK 12.6 mil in the third quarter of 2020, up 50.1% when compared to the same period of last ye...
| Profit Statement | 2017 | 2018 | 2019 | |
| Net Interest Income | CZK mil | 275 | 260 | 244 |
| Fee Income (As % Of Revenues) | % | 9.26 | 7.83 | 12.8 |
| Other Income | CZK mil | -41.3 | 10.6 | -39.7 |
| Total Revenues | CZK mil | 257 | 293 | 235 |
| Staff Cost | CZK mil | 111 | 156 | 136 |
| Operating Profit | CZK mil | 53.8 | 34.5 | -8.54 |
| Provisions | CZK mil | 6.77 | 21.7 | -79.4 |
| Net Profit | CZK mil | 47.0 | 51.3 | 50.4 |
| Balance Sheet | 2017 | 2018 | 2019 | |
| Interbank Loans | CZK mil | 1,315 | ... | ... |
| Customer Loans | CZK mil | 7,500 | 6,050 | 13,837 |
| Total Assets | CZK mil | 10,249 | 9,226 | 16,183 |
| Shareholders' Equity | CZK mil | 1,852 | 1,852 | 1,737 |
| Interbank Borrowing | CZK mil | 0 | 0 | 0 |
| Customer Deposits | CZK mil | 8,324 | 6,963 | 14,246 |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 |
| Ratios | 2017 | 2018 | 2019 | |
| ROE | % | 2.61 | 2.77 | 2.81 |
| ROA | % | 0.448 | 0.526 | 0.397 |
| Costs (As % Of Assets) | % | 1.94 | 2.66 | 1.92 |
| Costs (As % Of Income) | % | 79.1 | 88.2 | 104 |
| Capital Adequacy Ratio | % | 17.1 | 18.8 | 20.6 |
| Net Interest Margin | % | 2.62 | 2.67 | 1.92 |
| Loans (As % Of Deposits) | % | 90.1 | 86.9 | 97.1 |
| NPLs (As % Of Loans) | % | 26.4 | 26.6 | 7.34 |
| Provisions (As % Of NPLs) | % | 9.95 | 10.1 | 18.7 |
| Growth Rates | 2017 | 2018 | 2019 | |
| Total Revenue Growth | % | -1.26 | 14.1 | -19.9 |
| Operating Cost Growth | % | -6.50 | 27.3 | -5.98 |
| Operating Profit Growth | % | 25.3 | -35.9 | -125 |
| Net Profit Growth | % | 87.8 | 9.07 | -1.70 |
| Customer Loan Growth | % | -2.86 | -19.3 | 129 |
| Total Asset Growth | % | -4.64 | -9.98 | 75.4 |
| Customer Deposit Growth | % | -6.93 | -16.3 | 105 |
| Shareholders' Equity Growth | % | 6.27 | -0.007 | -6.21 |
| Employees | 107 | 102 | 94.0 | |
Get all company financials in excel:
| summary | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||
| Net Interest Income | CZK mil | 535 | 378 | 360 | 253 | 275 | |||||||
| Total Revenues | CZK mil | 613 | 417 | 417 | 260 | 257 | |||||||
| Operating Profit | CZK mil | 320 | 195 | 189 | 42.9 | 53.8 | |||||||
| Net Profit | CZK mil | -18.7 | 30.2 | 20.2 | 25.0 | 47.0 | |||||||
| balance sheet | |||||||||||||
| Interbank Loans | CZK mil | 721 | 1,704 | 1,573 | 1,652 | 1,315 | ... | ... | |||||
| Customer Loans | CZK mil | 6,544 | 7,056 | 7,452 | 7,721 | 7,500 | |||||||
| Debt Securities | CZK mil | 52.9 | 54.1 | 0 | 0 | 0 | |||||||
| Total Assets | CZK mil | 8,030 | 9,648 | 10,421 | 10,747 | 10,249 | |||||||
| Shareholders' Equity | CZK mil | 907 | 1,160 | 1,320 | 1,743 | 1,852 | |||||||
| Interbank Borrowing | CZK mil | 50.2 | 0 | 0 | 0 | 0 | |||||||
| Customer Deposits | CZK mil | 7,070 | 8,399 | 9,009 | 8,944 | 8,324 | |||||||
| Issued Debt Securities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||
| ratios | |||||||||||||
| ROE | % | -2.53 | 2.93 | 1.63 | 1.63 | 2.61 | |||||||
| ROA | % | -0.223 | 0.342 | 0.201 | 0.236 | 0.448 | |||||||
| Costs (As % Of Assets) | % | 3.49 | 2.51 | 2.28 | 2.05 | 1.94 | |||||||
| Costs (As % Of Income) | % | 47.8 | 53.2 | 54.7 | 83.5 | 79.1 | |||||||
| Capital Adequacy Ratio | % | 11.5 | 12.1 | 12.4 | 16.4 | 17.1 | |||||||
| Net Interest Margin | % | 6.37 | 4.27 | 3.58 | 2.39 | 2.62 | |||||||
| Interest Income (As % Of Revenues) | % | 87.3 | 90.6 | 86.1 | 97.1 | 107 | |||||||
| Fee Income (As % Of Revenues) | % | 6.62 | 4.47 | 8.55 | 9.93 | 9.26 | |||||||
| Staff Cost (As % Of Total Cost) | % | 49.6 | 52.3 | 48.7 | 55.6 | 54.8 | |||||||
| Equity (As % Of Assets) | % | 11.3 | 12.0 | 12.7 | 16.2 | 18.1 | |||||||
| Loans (As % Of Deposits) | % | 92.6 | 84.0 | 82.7 | 86.3 | 90.1 | |||||||
| Loans (As % Assets) | % | 81.5 | 73.1 | 71.5 | 71.8 | 73.2 | |||||||
| NPLs (As % Of Loans) | % | 32.7 | 39.0 | 39.4 | 24.4 | 26.4 | |||||||
| Provisions (As % Of NPLs) | % | 21.3 | 12.5 | 15.4 | 12.1 | 9.95 |
| income statement | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||
| Interest Income | CZK mil | 846 | 519 | 519 | 393 | 359 | |||||||
| Interest Cost | CZK mil | 311 | 141 | 160 | 140 | 84.5 | |||||||
| Net Interest Income | CZK mil | 535 | 378 | 360 | 253 | 275 | |||||||
| Net Fee Income | CZK mil | 40.6 | 18.6 | 35.7 | 25.9 | 23.8 | |||||||
| Other Income | CZK mil | 37.2 | 20.6 | 22.2 | -18.4 | -41.3 | |||||||
| Total Revenues | CZK mil | 613 | 417 | 417 | 260 | 257 | |||||||
| Staff Cost | CZK mil | 145 | 116 | 111 | 121 | 111 | |||||||
| Depreciation | CZK mil | 23.2 | 18.9 | 17.0 | 19.5 | 18.0 | |||||||
| Other Cost | CZK mil | 125 | 87.0 | 100 | 77.1 | 73.9 | |||||||
| Operating Cost | CZK mil | 293 | 222 | 228 | 217 | 203 | |||||||
| Operating Profit | CZK mil | 320 | 195 | 189 | 42.9 | 53.8 | |||||||
| Provisions | CZK mil | 316 | 144 | 158 | 31.6 | 6.77 | |||||||
| Extra and Other Cost | CZK mil | 0.031 | 0 | < -0.001 | 0.002 | -0.003 | |||||||
| Pre-Tax Profit | CZK mil | 3.52 | 50.8 | 31.4 | 11.3 | 47.0 | |||||||
| Tax | CZK mil | 22.3 | 20.6 | 11.2 | -13.7 | 0 | |||||||
| Minorities | CZK mil | 0.341 | 0 | 0 | 0 | 0 | |||||||
| Net Profit | CZK mil | -18.7 | 30.2 | 20.2 | 25.0 | 47.0 | |||||||
| growth rates | |||||||||||||
| Net Interest Income Growth | % | ... | 245 | -29.5 | -4.77 | -29.7 | 8.61 | ||||||
| Net Fee Income Growth | % | ... | 370 | -54.1 | 91.6 | -27.6 | -7.98 | ||||||
| Total Revenue Growth | % | ... | 254 | -32.0 | 0.169 | -37.6 | -1.26 | ||||||
| Operating Cost Growth | % | ... | 180 | -24.3 | 2.96 | -4.83 | -6.50 | ||||||
| Operating Profit Growth | % | ... | 368 | -39.1 | -3.01 | -77.3 | 25.3 | ||||||
| Pre-Tax Profit Growth | % | ... | -159 | 1,342 | -38.2 | -63.9 | 314 | ||||||
| Net Profit Growth | % | ... | 405 | -261 | -33.3 | 24.0 | 87.8 | ||||||
| market share | |||||||||||||
| Market Share in Revenues | % | 0.365 | 0.248 | 0.240 | 0.144 | 0.143 | ... | ... | |||||
| Market Share in Net Profit | % | ... | ... | 0.048 | 0.030 | 0.034 | 0.062 | ... | ... | ||||
| Market Share in Employees | % | 0.249 | 0.226 | 0.255 | 0.254 | 0.255 | ... | ... | |||||
| Market Share in Branches | % | 0.094 | 0.141 | 0.139 | 0.147 | 0.154 | ... | ... |
| balance sheet | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| balance sheet | |||||||||||||
| Cash | CZK mil | 69.5 | 178 | 715 | 1,981 | 1,611 | |||||||
| Interbank Loans | CZK mil | 721 | 1,704 | 1,573 | 1,652 | 1,315 | ... | ... | |||||
| Customer Loans | CZK mil | 6,544 | 7,056 | 7,452 | 7,721 | 7,500 | |||||||
| Retail Loans | CZK mil | ... | ... | ... | ... | ... | 977 | 975 | 866 | 613 | 360 | ... | ... |
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | 5,929 | 6,599 | 6,732 | 6,458 | 6,184 | ... | ... |
| Debt Securities | CZK mil | 52.9 | 54.1 | 0 | 0 | 0 | |||||||
| Fixed Assets | CZK mil | 572 | 576 | 616 | 553 | 583 | |||||||
| Total Assets | CZK mil | 8,030 | 9,648 | 10,421 | 10,747 | 10,249 | |||||||
| Shareholders' Equity | CZK mil | 907 | 1,160 | 1,320 | 1,743 | 1,852 | |||||||
| Of Which Minority Interest | CZK mil | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Liabilities | CZK mil | 7,123 | 8,488 | 9,101 | 9,004 | 8,396 | |||||||
| Interbank Borrowing | CZK mil | 50.2 | 0 | 0 | 0 | 0 | |||||||
| Customer Deposits | CZK mil | 7,070 | 8,399 | 9,009 | 8,944 | 8,324 | |||||||
| Issued Debt Securities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||
| Other Liabilities | CZK mil | 3.20 | 88.9 | 92.6 | 60.2 | 72.7 | |||||||
| asset quality | |||||||||||||
| Non-Performing Loans | CZK mil | 2,301 | 2,891 | 3,127 | 1,945 | 2,032 | |||||||
| Gross Loans | CZK mil | 7,035 | 7,419 | 7,934 | 7,956 | 7,702 | |||||||
| Total Provisions | CZK mil | 491 | 363 | 482 | 235 | 202 | |||||||
| growth rates | |||||||||||||
| Customer Loan Growth | % | ... | 3.17 | 7.82 | 5.60 | 3.61 | -2.86 | ||||||
| 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 | % | ... | -8.43 | 20.1 | 8.01 | 3.13 | -4.64 | ||||||
| Shareholders' Equity Growth | % | ... | 57.8 | 27.8 | 13.8 | 32.1 | 6.27 | ||||||
| Customer Deposit Growth | % | ... | -11.0 | 18.8 | 7.26 | -0.718 | -6.93 | ||||||
| market share | |||||||||||||
| Market Share in Customer Loans | % | 0.263 | 0.271 | 0.268 | 0.262 | 0.243 | ... | ... | |||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | 0.684 | 0.755 | 0.731 | 0.662 | 0.605 | ... | ... |
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | 0.083 | 0.079 | 0.066 | 0.043 | 0.024 | ... | ... |
| Market Share in Total Assets | % | 0.156 | 0.182 | 0.188 | 0.179 | 0.145 | ... | ... | |||||
| Market Share in Customer Deposits | % | 0.231 | 0.244 | 0.256 | 0.237 | 0.200 | ... | ... |
| ratios | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| ratios | |||||||||||||
| ROE | % | -2.53 | 2.93 | 1.63 | 1.63 | 2.61 | |||||||
| ROA | % | -0.223 | 0.342 | 0.201 | 0.236 | 0.448 | |||||||
| Costs (As % Of Assets) | % | 3.49 | 2.51 | 2.28 | 2.05 | 1.94 | |||||||
| Costs (As % Of Income) | % | 47.8 | 53.2 | 54.7 | 83.5 | 79.1 | |||||||
| Capital Adequacy Ratio | % | 11.5 | 12.1 | 12.4 | 16.4 | 17.1 | |||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | 11.1 | 11.9 | 12.3 | 16.4 | 17.1 | ||
| Net Interest Margin | % | 6.37 | 4.27 | 3.58 | 2.39 | 2.62 | |||||||
| Interest Spread | % | ... | 6.02 | 4.06 | 3.36 | 2.17 | 2.45 | ||||||
| Asset Yield | % | 10.1 | 5.87 | 5.18 | 3.71 | 3.42 | |||||||
| Cost Of Liabilities | % | ... | 4.06 | 1.81 | 1.82 | 1.55 | 0.971 | ||||||
| Interest Income (As % Of Revenues) | % | 87.3 | 90.6 | 86.1 | 97.1 | 107 | |||||||
| Fee Income (As % Of Revenues) | % | 6.62 | 4.47 | 8.55 | 9.93 | 9.26 | |||||||
| Other Income (As % Of Revenues) | % | 6.07 | 4.94 | 5.32 | -7.06 | -16.1 | |||||||
| Cost Per Employee | USD per month | 6,252 | 4,968 | 3,700 | 3,836 | 3,698 | |||||||
| Cost Per Employee (Local Currency) | CZK per month | 122,327 | 106,185 | 88,321 | 96,787 | 86,777 | |||||||
| Staff Cost (As % Of Total Cost) | % | 49.6 | 52.3 | 48.7 | 55.6 | 54.8 | |||||||
| Equity (As % Of Assets) | % | 11.3 | 12.0 | 12.7 | 16.2 | 18.1 | |||||||
| Loans (As % Of Deposits) | % | 92.6 | 84.0 | 82.7 | 86.3 | 90.1 | |||||||
| Loans (As % Assets) | % | 81.5 | 73.1 | 71.5 | 71.8 | 73.2 | |||||||
| NPLs (As % Of Loans) | % | 32.7 | 39.0 | 39.4 | 24.4 | 26.4 | |||||||
| Provisions (As % Of NPLs) | % | 21.3 | 12.5 | 15.4 | 12.1 | 9.95 | |||||||
| Provisions (As % Of Loans) | % | 7.50 | 5.14 | 6.47 | 3.04 | 2.70 | |||||||
| Cost of Provisions (As % Of Loans) | % | 4.91 | 2.12 | 2.17 | 0.416 | 0.089 |
Get all company financials in excel:
By Helgi Analytics - February 10, 2021
Trinity Bank employed 102 persons in 2018-12-31, down 1.92% 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 5,414 per month...
By Helgi Analytics - February 10, 2021
Trinity Bank's net interest margin amounted to 1.58% in the third quarter of 2020, up from 1.11% 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 Analytics - December 12, 2019
Trinity Bank's customer loans reached CZK 6,520 mil in 2018-09-30, down 2.09% compared to the previous year. Czech banking sector provided customer loans of CZK 3,328 bil in 2018-09-30, up 2.94% when compared to the last year. Trinity Bank accounted for 0...
By Helgi Analytics - December 12, 2019
Trinity Bank's customer deposits reached CZK 7,439 mil in 2018-09-30, down 6.00% compared to the previous year. Czech banking sector accepted customer deposits of CZK 4,501 bil in 2018-09-30, up 1.39% when compared to the last year. Trinity Bank accounted...
By Helgi Analytics - July 24, 2019
Trinity Bank generated total banking revenues of CZK 60.3 mil in 2018-06-30, down 42.8% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 49,845 mil in 2018-06-30, up 12.2% when compared to the last yea...
By Helgi Analytics - February 10, 2021
Trinity Bank's cost to income ratio reached 48.0% in the third quarter of 2020, down from 57.7% 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 - February 10, 2021
Trinity Bank generated total banking revenues of CZK 131 mil in the third quarter of 2020, up 75.8% when compared to the same period of last year and 16.3% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fe...
By Helgi Analytics - February 10, 2021
Trinity Bank's Equity reached 10.2% of total assets in the 3Q2020, down from 11.6% for the previous year. As a share of net customer loans, the ratio amounted to 13.2% at the end of the third quarter of 2020. ...
By Helgi Analytics - February 10, 2021
Trinity Bank's Cost of Risk (loan loss provisions as % of total assets) amounted to 1.19% in the third quarter of 2020, up from 0.640% when compared to the previous quarter. Historically, the bank’s cost of risk reached an all time high of 9.46% in 3Q2010 an...
By Helgi Analytics - February 10, 2021
Trinity Bank's customer loan growth reached 4.19% in 2020-09-30, down from 97.5% 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 -19.3% in 2018-12-31. In the last d...
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 0.707% and 11.4% a year on average in the last 10 years. Its loans and deposits have grown by 15.9% and 11.0% a year during that time and loans to deposits ratio reached 97.1% at the end of 2019. The company achieved an average return on equity of 2.57% in the last decade with net profit growing 10.6% a year on average. In terms of operating efficiency, its cost to income ratio reached 104% in 2019, compared to 69.0% average in the last decade.
Equity represented 10.7% of total assets or 12.6% of loans at the end of 2019. Trinity Bank's non-performing loans were 7.34% of total loans while provisions covered some 18.7% of NPLs at the end of 2019.
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