By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna's mortgage loans reached CZK 99,132 mil in 2Q2024, up 1.03% compared to the previous year. C...
By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna's mortgage loans reached CZK 99,132 mil in 2Q2024, up 1.03% compared to the previous year. C...
By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna's customer loans reached CZK 94,756 mil in 2024-03-31, up 1.30% compared to the previous year. ...
| 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 | |
Get all company financials in excel:
| 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 | % | 1.21 | 0.899 | 0.789 | 0.700 | 0.672 | ||||||||||||||||||||
| 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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By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna's customer loans reached CZK 94,756 mil in 2024-03-31, up 1.30% compared to the previous year. Czech banking sector provided customer loans of CZK 4,428 bil in 2024-03-31, up 1.63% when compared to the last year. Modra P...
By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna employed 572 persons in 2024-06-30, up 0.175% when compared to the previous year. Historically, the bank's workforce hit an all time high of 605 persons in 2023-06-30 and an all time low of 320 in 2022-03-31. Average cost reached...
By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna employed 572 persons in 2024-06-30, up 0.175% when compared to the previous year. Historically, the bank's workforce hit an all time high of 605 persons in 2023-06-30 and an all time low of 320 in 2022-03-31. Average cost reached...
By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna's capital adequacy ratio reached 38.1% at the end of second quarter of 2024, up from 30.7% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 38.1% in 2Q2024 and an all time low of ...
By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna's capital adequacy ratio reached 38.1% at the end of second quarter of 2024, up from 30.7% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 38.1% in 2Q2024 and an all time low of ...
By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna's non-performing loans reached 1.11% of total loans at the end of 2024-06-30, up from 0.992% 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...
By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna's non-performing loans reached 1.11% of total loans at the end of 2024-06-30, up from 0.992% 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...
By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna's retail loans reached CZK 98,117 mil in the first quarter of 2024, up 4.50% compared to the previous year. Czech banking sector provided retail loans of CZK 2,263 bil in 1Q2024, up 0.927% when compared to the last year. ...
By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna's retail loans reached CZK 98,117 mil in the first quarter of 2024, up 4.50% compared to the previous year. Czech banking sector provided retail loans of CZK 2,263 bil in 1Q2024, up 0.927% when compared to the last year. ...
By Helgi Library - September 9, 2024
Modra Pyramida Stavebni Sporitelna's net interest margin amounted to 1.09% in the second quarter of 2024, down from 1.19% 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 a...
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.
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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