Register

Institutional Sign In

Go
Home » Companies » Banking in Czechia » Trinity Bank

Trinity Bank

Trinity's customer deposits rose 33.4% yoy to CZK 78,026 mil in 4Q2023

By Helgi Library - May 6, 2024

Trinity Bank's customer deposits reached CZK 78,026 mil in 2023-12-31, up 10.7% compared to the previous year. Czech banking se...

Trinity's customer loans rose 47.9% yoy to CZK 18,500 mil in 3Q2023

By Helgi Library - May 6, 2024

Trinity Bank's customer loans reached CZK 18,500 mil in 2023-09-30, up 5.71% compared to the previous year. Czech banking secto...

Trinity's employees rose 14.4% yoy to 206 in 4Q2023

By Helgi Library - May 6, 2024

Trinity Bank employed 206 persons in 2023-12-31, up 6.19% when compared to the previous year. Historically, the bank's workforce...

Annual Quarterly LTM
Profit Statement 2021 2022 2023
Net Interest Income CZK mil 426 1,135 1,193
Net Fee Income CZK mil 44.3 85.7 82.0
Other Income CZK mil 85.7 322 296
Total Revenues CZK mil 556 1,543 1,571
Staff Cost CZK mil 167 272 340
Operating Profit CZK mil 231 1,028 879
Provisions CZK mil 30.1 25.5 108
Net Profit CZK mil 160 803 606
Balance Sheet 2021 2022 2023
Interbank Loans CZK mil 22,230 33,469 52,179
Customer Loans CZK mil 9,257 15,106 19,015
Investments CZK mil 3,455 12,033 8,506
Total Assets CZK mil 36,760 63,965 85,990
Shareholders' Equity CZK mil 2,481 4,519 5,761
Interbank Borrowing CZK mil 1,074 228 136
Customer Deposits CZK mil 32,729 58,488 78,026
Issued Debt Securities CZK mil 314 314 1,287
Ratios 2021 2022 2023
ROE % 7.44 23.0 11.8
ROA % 0.591 1.60 0.808
Costs (As % Of Assets) % 1.20 1.02 0.923
Costs (As % Of Income) % 58.5 33.4 44.0
Capital Adequacy Ratio % 21.5 22.0 26.7
Net Interest Margin % 1.57 2.25 1.59
Loans (As % Of Deposits) % 28.3 25.8 24.4
NPLs (As % Of Loans) % 9.56 4.63 5.82
Provisions (As % Of NPLs) % 14.9 18.5 22.6
Growth Rates 2021 2022 2023
Total Revenue Growth % 39.6 178 1.84
Operating Cost Growth % 29.8 58.4 34.5
Operating Profit Growth % 56.1 346 -14.5
Net Profit Growth % 165 401 -24.6
Customer Loan Growth % 32.3 63.2 25.9
Total Asset Growth % 110 74.0 34.4
Customer Deposit Growth % 122 78.7 33.4
Shareholders' Equity Growth % 35.3 82.1 27.5
Employees 113 180 206

Get all company financials in excel:

Download Sample   $19.99

summary Unit 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 ... ... ...                   275 260 244 264 426    
Total Revenues CZK mil ... ... ...                   257 293 235 398 556    
Operating Profit CZK mil ... ... ...                   53.8 34.5 -8.54 148 231    
Net Profit CZK mil ... ... ...                   47.0 51.3 50.4 60.6 160    
balance sheet                                      
Interbank Loans CZK mil ... ... ...                   1,315 701 608 651 22,230    
Customer Loans CZK mil ... ... ...                   7,500 6,050 5,319 6,999 9,257    
Investments CZK mil ... ... ...                   0 0 50.5 2,688 3,455    
Total Assets CZK mil ... ... ...                   10,249 9,226 16,183 17,503 36,760    
                                         
Shareholders' Equity CZK mil ... ... ...                   1,852 1,852 1,737 1,833 2,481    
Interbank Borrowing CZK mil ... ... ...                   0 0 124 339 1,074    
Customer Deposits CZK mil ... ... ...                   8,324 6,963 14,122 14,775 32,729    
Issued Debt Securities CZK mil ... ... ...                   0 0 0 314 314    
ratios                                      
ROE % ... ... ... ...                 2.61 2.77 2.81 3.40 7.44    
ROA % ... ... ... ...                 0.448 0.526 0.397 0.360 0.591    
Costs (As % Of Assets) % ... ... ... ...                 1.94 2.66 1.92 1.49 1.20    
Costs (As % Of Income) % ... ... ...                   79.1 88.2 104 62.9 58.5    
Capital Adequacy Ratio % ... ... ...                   17.1 18.8 20.6 19.1 21.5    
Net Interest Margin % ... ... ... ...                 2.62 2.67 1.92 1.57 1.57    
Interest Income (As % Of Revenues) % ... ... ...                   107 88.6 104 66.3 76.6    
Fee Income (As % Of Revenues) % ... ... ...                   9.26 7.83 12.8 6.09 7.98    
Staff Cost (As % Of Total Cost) % ... ... ...                   54.8 60.3 56.0 52.3 51.3    
Equity (As % Of Assets) % ... ... ...                   18.1 20.1 10.7 10.5 6.75    
Loans (As % Of Deposits) % ... ... ...                   90.1 86.9 37.7 47.4 28.3    
Loans (As % Assets) % ... ... ...                   73.2 65.6 32.9 40.0 25.2    
NPLs (As % Of Loans) % ... ... ...                   26.4 33.1 19.9 18.3 9.56    
Provisions (As % Of NPLs) % ... ... ...                   9.95 10.1 18.7 19.2 14.9    
valuation                                      
Book Value Per Share Growth % ... ... ... ...                 8.61 -5.40 -5.90 7.91 61.3    
income statement Unit 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 ... ... ...                   359 351 378 417 582    
Interest Cost CZK mil ... ... ...                   84.5 91.5 133 153 157    
Net Interest Income CZK mil ... ... ...                   275 260 244 264 426    
Net Fee Income CZK mil ... ... ...                   23.8 23.0 30.1 24.2 44.3    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 24.4 31.4 31.2 52.6    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 1.44 1.31 6.98 8.26    
Other Income CZK mil ... ... ...                   -41.3 10.6 -39.7 110 85.7    
Total Revenues CZK mil ... ... ...                   257 293 235 398 556    
Staff Cost CZK mil ... ... ...                   111 156 136 131 167    
Depreciation CZK mil ... ... ...                   18.0 30.9 41.0 48.2 53.8    
Other Cost CZK mil ... ... ...                   73.9 71.8 66.0 71.2 104    
Operating Cost CZK mil ... ... ...                   203 259 243 250 325    
Operating Profit CZK mil ... ... ...                   53.8 34.5 -8.54 148 231    
Provisions CZK mil ... ... ...                   6.77 21.7 -79.4 72.4 30.1    
Extra and Other Cost CZK mil ... ... ...                   -0.003 0.001 5.06 0 0    
Pre-Tax Profit CZK mil ... ... ...                   47.0 12.7 65.8 75.4 201    
Tax CZK mil ... ... ...                   0 -38.5 15.5 14.8 40.3    
Minorities CZK mil ... ... ...                   0 0 0 0 0    
Net Profit CZK mil ... ... ...                   47.0 51.3 50.4 60.6 160    
Net Profit Avail. to Common CZK mil ... ... ...                   47.0 51.3 50.4 60.6 160    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 41.0 0 0 167    
growth rates                                      
Net Interest Income Growth % ... ... ... ...                 8.61 -5.40 -5.90 7.91 61.3    
Net Fee Income Growth % ... ... ... ...                 -7.98 -3.45 31.0 -19.4 82.8    
Total Revenue Growth % ... ... ... ...                 -1.26 14.1 -19.9 69.5 39.6    
Operating Cost Growth % ... ... ... ...                 -6.50 27.3 -5.98 2.79 29.8    
Operating Profit Growth % ... ... ... ...                 25.3 -35.9 -125 -1,830 56.1    
Pre-Tax Profit Growth % ... ... ... ...                 314 -72.9 416 14.5 166    
Net Profit Growth % ... ... ... ...                 87.8 9.07 -1.70 20.3 165    
market share                                      
Market Share in Revenues % ... ... ...                   0.143 0.154 0.116 0.221 0.301    
Market Share in Net Profit % ... ... ...                   0.062 0.063 0.055 0.128 0.228    
Market Share in Employees % ... ... ...                   0.255 0.244 0.269 0.263 0.285    
Market Share in Branches % ... ... ...                   0.154 0.153 0.158 0.178 0.251    
balance sheet Unit 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 ... ... ...                   1,611 866 8,838 5,992 444    
Interbank Loans CZK mil ... ... ...                   1,315 701 608 651 22,230    
Customer Loans CZK mil ... ... ...                   7,500 6,050 5,319 6,999 9,257    
Retail Loans CZK mil ... ... ... ... ... ... ... ...         360 300 257 235 113    
Corporate Loans CZK mil ... ... ... ... ... ... ... ...         6,184 5,600 5,042 6,748 8,694    
Investments CZK mil ... ... ...                   0 0 50.5 2,688 3,455    
Property and Equipment CZK mil ... ... ...                   583 526 495 505 366    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 65.3 87.1 72.4 63.3    
Total Assets CZK mil ... ... ...                   10,249 9,226 16,183 17,503 36,760    
                                         
Shareholders' Equity CZK mil ... ... ...                   1,852 1,852 1,737 1,833 2,481    
Of Which Minority Interest CZK mil ... ... ...                   0 0 0 0 0    
Liabilities CZK mil ... ... ...                   8,396 7,374 14,446 15,670 34,279    
Interbank Borrowing CZK mil ... ... ...                   0 0 124 339 1,074    
Customer Deposits CZK mil ... ... ...                   8,324 6,963 14,122 14,775 32,729    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 12,360 13,457 30,354    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,062 860 1,495    
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 1,291 9,488 11,121 30,149    
Term Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 5,672 4,634 3,653 2,580    
Issued Debt Securities CZK mil ... ... ...                   0 0 0 314 314    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0 314 314    
Other Liabilities CZK mil ... ... ...                   72.7 411 200 241 161    
asset quality                                      
Non-Performing Loans CZK mil ... ... ...                   2,032 2,075 1,100 1,329 898    
Gross Loans CZK mil ... ... ...                   7,702 6,260 5,525 7,255 9,390    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ...     9,929 9,238 7,751 10,541 11,925    
Total Provisions CZK mil ... ... ...                   202 210 206 256 134    
growth rates                                      
Customer Loan Growth % ... ... ... ...                 -2.86 -19.3 -12.1 31.6 32.3    
Retail Loan Growth % ... ... ... ... ... ... ... ... ...       -41.3 -16.7 -14.3 -8.57 -51.9    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ...       -4.24 -9.45 -9.97 33.8 28.8    
Total Asset Growth % ... ... ... ...                 -4.64 -9.98 75.4 8.16 110    
Shareholders' Equity Growth % ... ... ... ...                 6.27 -0.007 -6.21 5.54 35.3    
Customer Deposit Growth % ... ... ... ...                 -6.93 -16.3 103 4.63 122    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 8.87 126    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -19.0 73.8    
market share                                      
Market Share in Customer Loans % ... ... ...                   0.243 0.183 0.154 0.195 0.241   ...
Market Share in Corporate Loans % ... ... ... ... ... ... ... ...         0.605 0.518 0.450 0.601 0.732    
Market Share in Retail Loans % ... ... ... ... ... ... ... ...         0.024 0.018 0.015 0.013 0.006    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ...         0.024 0.018 0.015 0.013 0.006 ... ...
Market Share in Total Assets % ... ... ...                   0.146 0.127 0.214 0.220 0.431    
Market Share in Customer Deposits % ... ... ...                   0.200 0.157 0.298 0.286 0.595    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.454 0.440 0.930    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.097 0.071 0.114    
ratios Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                       
ROE % ... ... ... ...                 2.61 2.77 2.81 3.40 7.44    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2.93 3.56 7.68    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ...   3.17 3.57 3.96 4.42 9.52    
ROA % ... ... ... ...                 0.448 0.526 0.397 0.360 0.591    
Return on Loans % ... ... ...                   0.618 0.757 0.886 0.984 1.97    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ...   0.545 0.360 -0.101 1.62 2.05    
Costs (As % Of Assets) % ... ... ... ...                 1.94 2.66 1.92 1.49 1.20    
Costs (As % Of Income) % ... ... ...                   79.1 88.2 104 62.9 58.5    
Costs (As % Of Loans) % ... ... ... ...                 2.67 3.82 4.28 4.06 4.00    
Costs (As % Of Loans & Deposits) % ... ... ... ...                 1.25 1.80 1.50 1.21 1.02    
Capital Adequacy Ratio % ... ... ...                   17.1 18.8 20.6 19.1 21.5    
Tier 1 Ratio % ... ... ...                   17.1 18.8 20.6 16.1 18.9    
Net Interest Margin % ... ... ... ...                 2.62 2.67 1.92 1.57 1.57    
Interest Spread % ... ... ... ...                 2.45 2.45 1.75 1.46 1.52    
Asset Yield % ... ... ... ...                 3.42 3.61 2.97 2.48 2.15    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ...   2.60 3.06 2.76 4.35 4.95    
Cost Of Liabilities % ... ... ... ...                 0.971 1.16 1.22 1.02 0.627    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... 80.0 0 0 104    
Interest Income (As % Of Revenues) % ... ... ...                   107 88.6 104 66.3 76.6    
Fee Income (As % Of Revenues) % ... ... ...                   9.26 7.83 12.8 6.09 7.98    
Other Income (As % Of Revenues) % ... ... ...                   -16.1 3.61 -16.9 27.6 15.4    
Staff Cost (As % Of Total Cost) % ... ... ...                   54.8 60.3 56.0 52.3 51.3    
Equity (As % Of Assets) % ... ... ...                   18.1 20.1 10.7 10.5 6.75    
Equity (As % Of Loans) % ... ... ...                   24.7 30.6 32.7 26.2 26.8    
Loans (As % Of Deposits) % ... ... ...                   90.1 86.9 37.7 47.4 28.3    
Loans (As % Assets) % ... ... ...                   73.2 65.6 32.9 40.0 25.2    
NPLs (As % Of Loans) % ... ... ...                   26.4 33.1 19.9 18.3 9.56    
Provisions (As % Of NPLs) % ... ... ...                   9.95 10.1 18.7 19.2 14.9    
Provisions (As % Of Loans) % ... ... ...                   2.70 3.48 3.87 3.65 1.44    
Cost of Provisions (As % Of Loans) % ... ... ... ...                 0.089 0.321 -1.40 1.17 0.370    
other data Unit 2005 2006 2007 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 4.00    
Employees ... ... ...                   107 102 112 107 113    
Employees Per Bank Branch ... ... ...                   35.7 34.0 37.3 35.7 28.3    
Cost Per Employee USD per month ... ... ...                   3,698 5,829 4,501 4,628 5,673    
Cost Per Employee (Local Currency) CZK per month ... ... ...                   86,777 127,525 101,460 101,833 122,922    
customer breakdown Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                       
Customers mil                         0.011 0.015 0.020 0.030 0.041    
Revenue per Customer (Local Currency) CZK ... ... ...                   23,284 19,552 11,740 13,264 13,549    
Net Profit per Customer (Local Currency) CZK ... ... ...                   4,257 3,417 2,520 2,021 3,912    
Loan per Customer (Local Currency) CZK ... ... ...                   679,431 403,312 265,969 233,312 225,776    
Deposit per Customer (Local Currency) CZK ... ... ...                   754,027 464,198 706,086 492,497 798,265    
Revenue per Customer USD ... ... ...                   992 894 521 603 625    
Net Profit per Customer USD ... ... ...                   181 156 112 91.9 181    
Loan per Customer USD ... ... ...                   31,912 17,952 11,758 10,909 10,285    
Deposit per Customer USD ... ... ...                   35,415 20,662 31,214 23,028 36,366    

Get all company financials in excel:

Download Sample   $19.99

Trinity's net profit fell 57.7% yoy to CZK 103 mil in 4Q2023

By Helgi Library - May 6, 2024

Trinity Bank made a net profit of CZK 103 mil in the fourth quarter of 2023, down 57.7% when compared to the same period of last year. This implies a return on equity of 7.20%. Historically, the bank’s net profit reached an all time high of CZK 316 mil in 3Q2022 ...

Trinity's net profit fell 57.7% yoy to CZK 103 mil in 4Q2023

By Helgi Library - May 6, 2024

Trinity Bank made a net profit of CZK 103 mil under revenues of CZK 375 mil in the fourth quarter of 2023, down 57.7% and 9.09% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 316 mi...

Trinity's capital adequacy ratio rose 21.1% yoy to 26.7% in 4Q2023

By Helgi Library - May 6, 2024

Trinity Bank's capital adequacy ratio reached 26.7% at the end of fourth quarter of 2023, up from 22.1% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 26.7% in 4Q2023 and an all time low of 8.31% in 3Q2008. ...

Trinity's total revenues fell 9.09% yoy to CZK 375 mil in 4Q2023

By Helgi Library - May 6, 2024

Trinity Bank generated total banking revenues of CZK 375 mil in 2023-12-31, down 4.36% 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 compared to the last year...

Trinity's retail deposits rose 32.9% yoy to CZK 71,852 mil in 4Q2023

By Helgi Library - May 6, 2024

Trinity Bank's retail deposits reached CZK 71,852 mil in 2023-12-31, up 10.8% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,651 bil in 2023-12-31, up 2.05% when compared to the last year. Trinity Bank accounted for ...

Trinity's corporate deposits rose 14.6% yoy to CZK 3,053 mil in 4Q2023

By Helgi Library - May 6, 2024

Trinity Bank's corporate deposits reached CZK 3,053 mil in 2023-12-31, up 1.77% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,470 bil in 2023-12-31, up 3.25% when compared to the last year. Trinity Bank accounted...

Trinity's npls (as % of loans) rose 25.7% yoy to 5.82% in 4Q2023

By Helgi Library - May 6, 2024

Trinity Bank's non-performing loans reached 5.82% of total loans at the end of 2023-12-31, up from 4.63% 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...

Trinity's net interest margin fell 23.7% yoy to 1.42% in 4Q2023

By Helgi Library - May 6, 2024

Trinity Bank's net interest margin amounted to 1.42% in the fourth quarter of 2023, down from 1.75% 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 -1...

Trinity's net interest income fell 5.65% yoy to CZK 289 mil in 4Q2023

By Helgi Library - May 6, 2024

Trinity Bank generated total banking revenues of CZK 375 mil in the fourth quarter of 2023, down 9.09% when compared to the same period of last year and 4.36% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, ...

Trinity's retail loans fell 6.92% yoy to CZK 101 mil in 4Q2023

By Helgi Library - May 6, 2024

Trinity Bank's retail loans reached CZK 101 mil in the fourth quarter of 2023, down 1.47% 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. Trinity Bank accounte...

More News

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 Logo

Finance

Trinity Bank has been growing its revenues and asset by 9.87% and 26.8% a year on average in the last 10 years. Its loans and deposits have grown by 11.3% and 27.1% a year during that time and loans to deposits ratio reached 24.4% at the end of 2023. The company achieved an average return on equity of 6.00% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 44.0% in 2023, compared to 66.1% average in the last decade.

Equity represented 6.70% of total assets or 30.3% of loans at the end of 2023. Trinity Bank's non-performing loans were 5.82% of total loans while provisions covered some 22.6% of NPLs at the end of 2023.

More Companies in Czech Banking Sector

Helgi Library
Eliášova 38, Prague 6, 160 00, Czech Republic
Copyright © 2024 Helgi Library. All rights reserved.