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Home » Companies » Banking in Czechia » Modra Pyramida Stavebni Sporitelna

Modra Pyramida Stavebni Sporitelna

MPSS's employees rose 73.5% yoy to 602 in 4Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna employed 602 persons in 2023-12-31, up 0.333% when compared to the previous year. Historicall...

MPSS's mortgage loans rose 8.41% yoy to CZK 93,892 mil in 4Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna's mortgage loans reached CZK 93,892 mil in 4Q2023, up 2.60% compared to the previous year. C...

MPSS's customer loans rose 7.54% yoy to CZK 91,201 mil in 3Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna's customer loans reached CZK 91,201 mil in 2023-09-30, up 2.36% compared to the previous year. ...

Annual Quarterly LTM
Profit Statement 2021 2022 2023
Net Interest Income CZK mil 997 1,012 957
Net Fee Income CZK mil 150 179 185
Other Income CZK mil 2.56 -5.76 224
Total Revenues CZK mil 1,150 1,185 1,366
Staff Cost CZK mil 338 356 526
Operating Profit CZK mil 488 484 405
Provisions CZK mil -48.6 86.1 39.6
Net Profit CZK mil 463 434 290
Balance Sheet 2021 2022 2023
Interbank Loans CZK mil 3.55 5.96 2.94
Customer Loans CZK mil 76,982 86,323 93,537
Investments CZK mil 17,613 13,041 9,833
Total Assets CZK mil 96,437 101,687 107,983
Shareholders' Equity CZK mil 6,207 6,641 8,032
Interbank Borrowing CZK mil 28,790 38,456 46,936
Customer Deposits CZK mil 60,903 55,973 52,296
Issued Debt Securities CZK mil 0 0 0
Ratios 2021 2022 2023
ROE % 7.44 6.75 3.95
ROA % 0.499 0.438 0.277
Costs (As % Of Assets) % 0.713 0.708 0.916
Costs (As % Of Income) % 57.6 59.2 70.4
Capital Adequacy Ratio % 20.7 25.2 33.5
Net Interest Margin % 1.07 1.02 0.913
Loans (As % Of Deposits) % 126 154 179
NPLs (As % Of Loans) % 1.46 1.04 1.12
Provisions (As % Of NPLs) % 39.6 57.8 53.1
Growth Rates 2021 2022 2023
Total Revenue Growth % -1.01 3.09 15.2
Operating Cost Growth % 1.68 5.98 36.9
Operating Profit Growth % -4.45 -0.840 -16.3
Net Profit Growth % 43.4 -6.45 -33.1
Customer Loan Growth % 19.6 12.1 8.36
Total Asset Growth % 7.98 5.44 6.19
Customer Deposit Growth % 0.186 -8.09 -6.57
Shareholders' Equity Growth % -0.792 6.99 20.9
Employees 325 347 591

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summary Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
income statement                                                  
Net Interest Income CZK mil                                     1,356 1,168 1,218 1,038 997    
Total Revenues CZK mil                                     1,513 1,342 1,371 1,161 1,150    
Operating Profit CZK mil                                     860 683 706 510 488    
Net Profit CZK mil                                     897 721 708 323 463    
balance sheet                                                  
Interbank Loans CZK mil                                     6,505 1.90 3.54 4.27 3.55    
Customer Loans CZK mil                                     43,555 50,751 56,533 64,372 76,982    
Investments CZK mil                                     32,302 29,358 25,889 21,067 17,613    
Total Assets CZK mil                                     83,212 83,163 84,023 89,311 96,437    
                                                     
Shareholders' Equity CZK mil                                     6,284 5,945 5,932 6,256 6,207    
Interbank Borrowing CZK mil                                     14,411 14,973 15,841 21,243 28,790    
Customer Deposits CZK mil                                     61,722 61,803 61,831 60,790 60,903    
Issued Debt Securities CZK mil                                     0 0 0 0 0    
ratios                                                  
ROE % ...                                   14.3 11.8 11.9 5.30 7.44    
ROA % ...                                   1.07 0.867 0.846 0.373 0.499    
Costs (As % Of Assets) % ...                                   0.776 0.792 0.795 0.751 0.713    
Costs (As % Of Income) %                                     43.2 49.1 48.5 56.1 57.6    
Capital Adequacy Ratio % ...                                   20.4 20.5 24.3 29.0 20.7    
Net Interest Margin % ...                                   1.61 1.40 1.46 1.20 1.07    
Interest Income (As % Of Revenues) %                                     89.6 87.0 88.8 89.4 86.8    
Fee Income (As % Of Revenues) %                                     10.3 12.9 11.1 10.4 13.0    
Staff Cost (As % Of Total Cost) %                                     46.4 46.6 47.5 50.1 51.1    
Equity (As % Of Assets) %                                     7.55 7.15 7.06 7.01 6.44    
Loans (As % Of Deposits) %                                     70.6 82.1 91.4 106 126    
Loans (As % Assets) %                                     52.3 61.0 67.3 72.1 79.8    
NPLs (As % Of Loans) % ...                                   2.61 2.03 1.62 1.67 1.46    
Provisions (As % Of NPLs) % ...                                   48.6 47.0 43.5 24.7 39.6    
valuation                                                  
Book Value Per Share Growth % ...                                   -7.07 -13.9 4.27 -14.7 -3.95    
income statement Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
income statement                                                  
Interest Income CZK mil                                     2,493 2,654 2,964 2,586 2,452    
Interest Cost CZK mil                                     1,138 1,487 1,746 1,547 1,454    
Net Interest Income CZK mil                                     1,356 1,168 1,218 1,038 997    
Net Fee Income CZK mil                                     156 173 152 121 150    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 315    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 166    
Other Income CZK mil                                     1.12 1.08 1.78 2.38 2.56    
Total Revenues CZK mil                                     1,513 1,342 1,371 1,161 1,150    
Staff Cost CZK mil                                     303 307 316 326 338    
Depreciation CZK mil                                     59.4 59.8 73.1 73.8 76.4    
Other Cost CZK mil                                     291 292 276 251 247    
Operating Cost CZK mil                                     653 659 665 651 662    
Operating Profit CZK mil                                     860 683 706 510 488    
Provisions CZK mil                                     -88.4 -90.9 -45.5 174 -48.6    
Extra and Other Cost CZK mil                                     0 0 0 0 -0.560    
Pre-Tax Profit CZK mil                                     948 774 752 337 537    
Tax CZK mil                                     50.8 52.7 44.5 13.2 73.5    
Minorities CZK mil                                     0 0 0 0 0    
Net Profit CZK mil                                     897 721 708 323 463    
Net Profit Avail. to Common CZK mil                                     897 721 708 323 463    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...         898 721 0 515 0   ...
growth rates                                                  
Net Interest Income Growth % ...                                   -7.07 -13.9 4.27 -14.7 -3.95    
Net Fee Income Growth % ...                                   56.6 11.0 -12.3 -20.5 24.0    
Total Revenue Growth % ...                                   -1.25 -11.3 2.19 -15.3 -1.01    
Operating Cost Growth % ...                                   7.42 0.954 0.844 -2.06 1.68    
Operating Profit Growth % ...                                   -6.95 -20.6 3.48 -27.8 -4.45    
Pre-Tax Profit Growth % ...                                   1.47 -18.4 -2.80 -55.2 59.5    
Net Profit Growth % ...                                   1.52 -19.6 -1.86 -54.3 43.4    
market share                                                  
Market Share in Revenues %                                     0.844 0.705 0.678 0.644 0.624    
Market Share in Net Profit %                                     1.19 0.885 0.777 0.681 0.659    
Market Share in Employees %                                     0.766 0.776 0.798 0.793 0.818    
Market Share in Branches % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       11.1 10.4 10.8 10.8 11.7    
balance sheet Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
balance sheet                                                  
Cash & Cash Equivalents CZK mil                                     140 2,346 873 2,566 987    
Interbank Loans CZK mil                                     6,505 1.90 3.54 4.27 3.55    
Customer Loans CZK mil                                     43,555 50,751 56,533 64,372 76,982    
Retail Loans CZK mil                                     43,516 50,753 56,077 63,969 77,134    
Mortgage Loans CZK mil                                     43,516 50,753 56,077 63,969 77,134    
Consumer Loans CZK mil                                     0 0 0 0 0    
Corporate Loans CZK mil                                     557 488 457 403 293    
Investments CZK mil                                     32,302 29,358 25,889 21,067 17,613    
Property and Equipment CZK mil                                     553 583 408 412 106    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 252 289 372    
Total Assets CZK mil                                     83,212 83,163 84,023 89,311 96,437    
                                                     
Shareholders' Equity CZK mil                                     6,284 5,945 5,932 6,256 6,207    
Of Which Minority Interest CZK mil                                     0 0 0 0 0    
Liabilities CZK mil                                     76,928 77,219 78,091 83,055 90,230    
Interbank Borrowing CZK mil                                     14,411 14,973 15,841 21,243 28,790    
Customer Deposits CZK mil                                     61,722 61,803 61,831 60,790 60,903    
Retail Deposits CZK mil                                     61,573 61,803 61,626 60,593 60,749    
Corporate Deposits CZK mil                                     0 146 133 125 95.1    
Issued Debt Securities CZK mil                                     0 0 0 0 0    
Other Liabilities CZK mil                                     795 442 418 1,022 537    
asset quality                                                  
Non-Performing Loans CZK mil ...                                   1,153 1,042 920 1,080 1,130    
Gross Loans CZK mil ...                                   44,115 51,241 56,934 64,487 77,427    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ...                     30,821 28,998 24,413 28,796 25,935    
Total Provisions CZK mil ...                                   561 490 400 266 448    
growth rates                                                  
Customer Loan Growth % ...                                   14.0 16.5 11.4 13.9 19.6    
Retail Loan Growth % ...                                   19.1 16.6 10.5 14.1 20.6    
Mortgage Loan Growth % ...                                   19.1 16.6 10.5 14.1 20.6    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       -77.5 -12.4 -6.36 -11.7 -27.3    
Total Asset Growth % ...                                   -2.13 -0.059 1.03 6.29 7.98    
Shareholders' Equity Growth % ...                                   -0.120 -5.41 -0.205 5.46 -0.792    
Customer Deposit Growth % ...                                   -5.05 0.131 0.046 -1.68 0.186    
Retail Deposit Growth % ...                                   -5.28 0.374 -0.286 -1.68 0.257    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -8.86 -5.56 -24.2    
market share                                                  
Market Share in Customer Loans %                                     1.41 1.53 1.64 1.79 2.00    
Market Share in Corporate Loans %                                     0.055 0.045 0.041 0.036 0.025    
Market Share in Retail Loans %                                     2.85 3.09 3.21 3.44 3.77    
Market Share in Consumer Loans %                                     0 0 0 0 0    
Market Share in Mortgage Loans %                                     3.79 4.07 4.22 4.46 4.84    
Market Share in Total Assets %                                     1.19 1.14 1.11 1.12 1.13    
Market Share in Customer Deposits %                                     1.48 1.39 1.30 1.18 1.11    
Market Share in Retail Deposits %                                     2.60 2.42 2.26 1.98 1.86    
Market Share in Corporate Deposits %                                     0 0.014 0.012 0.010 0.007    
ratios Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                                   
ROE % ...                                   14.3 11.8 11.9 5.30 7.44    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 5.55 7.85    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ...                   16.5 16.1 17.7 8.10 11.3    
ROA % ...                                   1.07 0.867 0.846 0.373 0.499    
Return on Loans %                                     2.19 1.53 1.32 0.535 0.656    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ...                   2.37 2.28 2.65 1.92 1.78    
Costs (As % Of Assets) % ...                                   0.776 0.792 0.795 0.751 0.713    
Costs (As % Of Income) %                                     43.2 49.1 48.5 56.1 57.6    
Costs (As % Of Loans) % ...                                   1.60 1.40 1.24 1.08 0.937    
Costs (As % Of Loans & Deposits) % ...                                   0.626 0.605 0.576 0.535 0.503    
Capital Adequacy Ratio % ...                                   20.4 20.5 24.3 29.0 20.7    
Tier 1 Ratio % ...                                   20.4 20.5 24.3 29.0 20.7    
Net Interest Margin % ...                                   1.61 1.40 1.46 1.20 1.07    
Interest Spread % ...                                   1.50 1.26 1.30 1.06 0.961    
Asset Yield % ...                                   2.96 3.19 3.55 2.98 2.64    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ...                   4.18 4.49 5.13 4.37 4.20    
Cost Of Liabilities % ...                                   1.46 1.93 2.25 1.92 1.68    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ...         100 100 0 159 0   ...
Interest Income (As % Of Revenues) %                                     89.6 87.0 88.8 89.4 86.8    
Fee Income (As % Of Revenues) %                                     10.3 12.9 11.1 10.4 13.0    
Other Income (As % Of Revenues) %                                     0.074 0.081 0.130 0.204 0.223    
Staff Cost (As % Of Total Cost) %                                     46.4 46.6 47.5 50.1 51.1    
Equity (As % Of Assets) %                                     7.55 7.15 7.06 7.01 6.44    
Equity (As % Of Loans) %                                     14.4 11.7 10.5 9.72 8.06    
Loans (As % Of Deposits) %                                     70.6 82.1 91.4 106 126    
Loans (As % Assets) %                                     52.3 61.0 67.3 72.1 79.8    
NPLs (As % Of Loans) % ...                                   2.61 2.03 1.62 1.67 1.46    
Provisions (As % Of NPLs) % ...                                   48.6 47.0 43.5 24.7 39.6    
Provisions (As % Of Loans) % ...                                   1.29 0.965 0.708 0.414 0.582    
Cost of Provisions (As % Of Loans) % ...                                   -0.216 -0.193 -0.085 0.287 -0.069    
other data Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                                   
Branches ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       216 204 205 182 187    
Employees                                     321 325 332 323 325    
Employees Per Bank Branch ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1.49 1.59 1.62 1.77 1.74    
Cost Per Employee USD per month                                     3,351 3,598 3,513 3,824 4,002    
Cost Per Employee (Local Currency) CZK per month                                     78,638 78,729 79,199 84,141 86,718    
customer breakdown Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                                   
Customers mil                                     0.541 0.541 0.542 0.540 0.540    
Number of Accounts mil                                     0.541 0.541 0.542 0.540 0.540    
Number of Primary Customers mil                                     0.086 0.085 0.084 0.084 0.086    
Number of Mortgages mil                                     0.086 0.085 0.084 0.084 0.086    
Average Size of Deposit CZK                                     114,173 114,310 114,139 112,562 112,852    
Average Size of Mortgage Loan CZK                                     507,131 595,626 668,486 758,271 899,880    
Accounts (As % of Total Clients) %                                     100 100 100 100 100    
Primary (As % of Total Clients) %                                     15.9 15.8 15.5 15.6 15.9    
Mortgages (As % of Total Clients) %                                     15.9 15.8 15.5 15.6 15.9    
Revenue per Customer (Local Currency) CZK                                     2,798 2,482 2,531 2,151 2,130    
Net Profit per Customer (Local Currency) CZK                                     1,658 1,333 1,306 599 859    
Loan per Customer (Local Currency) CZK                                     80,566 93,867 104,359 119,195 142,646    
Deposit per Customer (Local Currency) CZK                                     114,173 114,310 114,139 112,562 112,852    
Revenue per Customer USD                                     119 113 112 97.7 98.3    
Net Profit per Customer USD                                     70.7 60.9 57.9 27.2 39.6    
Loan per Customer USD                                     3,784 4,178 4,613 5,573 6,498    
Deposit per Customer USD                                     5,362 5,088 5,046 5,263 5,141    

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MPSS's retail loans rose 8.41% yoy to CZK 93,892 mil in 4Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna's retail loans reached CZK 93,892 mil in the fourth quarter of 2023, up 2.60% compared to the previous year. Czech banking sector provided retail loans of CZK 2,242 bil in 4Q2023, up 0.906% when compared to the last year. ...

MPSS's npls (as % of loans) rose 7.46% yoy to 1.12% in 4Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna's non-performing loans reached 1.12% of total loans at the end of 2023-12-31, up from 1.04% compared to the previous year. Historically, the NPL ratio hit an all time high of 5.27% in 2015-03-31 and an all time low of 0.977% in ...

MPSS's capital adequacy ratio rose 33.1% yoy to 33.5% in 4Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna's capital adequacy ratio reached 33.5% at the end of fourth quarter of 2023, up from 24.0% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 33.5% in 4Q2023 and an all time low of ...

MPSS's net profit fell 45.3% yoy to CZK 45.2 mil in 4Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna made a net profit of CZK 45.2 mil under revenues of CZK 421 mil in the fourth quarter of 2023, down 45.3% and up 51.7% respectively when compared to the same period last year. Historically, the bank’s net profit reached ...

MPSS's net profit fell 45.3% yoy to CZK 45.2 mil in 4Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna made a net profit of CZK 45.2 mil in the fourth quarter of 2023, down 45.3% when compared to the same period of last year. This implies a return on equity of 2.42%. Historically, the bank’s net profit reached an all time high of ...

MPSS's net interest margin rose 24.2% yoy to 1.11% in 4Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna's net interest margin amounted to 1.11% in the fourth quarter of 2023, up from 0.909% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.25% in 3Q2011 and an al...

MPSS's costs (as % of assets) rose 59.0% yoy to 1.14% in 4Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna's cost to income ratio reached 72.3% in the fourth quarter of 2023, up from 58.8% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 82.1% of income in 1Q2023 and an all time low o...

MPSS's corporate loans fell 14.3% yoy to CZK 202 mil in 4Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna's loans reached CZK 94,094 mil in the fourth quarter of 2023, up from CZK 91,716 mil when compared to the previous quarter and up from CZK 86,844 mil when compared to the same period of last year. Historically, the b...

MPSS's customer deposits fell 6.57% yoy to CZK 52,296 mil in 4Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna's customer deposits reached CZK 52,296 mil in 2023-12-31, down 0.710% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,701 bil in 2023-12-31, down 3.35% when compared to the last year. ...

MPSS's total revenues rose 51.7% yoy to CZK 421 mil in 4Q2023

By Helgi Library - May 12, 2024

Modra Pyramida Stavebni Sporitelna generated total banking revenues of CZK 421 mil in 2023-12-31, up 4.68% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 58,954 mil in 2023-12-31, up 3.14% when compa...

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Modrá Pyramida is building savings bank in the Czech Republic, owned by Komercni Banka, the third largest bank in the country. The Bank has been set up to provide loans to finance householdes' living needs with a subsidized interest rate, historically a popular alternative to mortgage loans. Nowadays, the Bank has developed into a mortgage lender expanding into other banking services within Komercni Banka Group.

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Finance

Modra Pyramida Stavebni Sporitelna has been growing its revenues and asset by -3.44% and 2.77% a year on average in the last 10 years. Its loans and deposits have grown by 8.16% and -3.29% a year during that time and loans to deposits ratio reached 179% at the end of 2023. The company achieved an average return on equity of 9.95% in the last decade with net profit growing -12.2% a year on average. In terms of operating efficiency, its cost to income ratio reached 70.4% in 2023, compared to 50.3% average in the last decade.

Equity represented 7.44% of total assets or 8.59% of loans at the end of 2023. Modra Pyramida Stavebni Sporitelna's non-performing loans were 1.12% of total loans while provisions covered some 53.1% of NPLs at the end of 2023.

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