By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna employed 35.0 persons in 2023-12-31, up 9.38% when compared to the previous year. Historically, the b...
By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna's non-performing loans reached 1.10% of total loans at the end of 2023-12-31, down from 1.14% compared...
By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna made a net profit of CZK 161 mil under revenues of CZK 211 mil in the fourth quarter of 2023, up 10.8% and...
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By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna made a net profit of CZK 161 mil in the fourth quarter of 2023, up 10.8% when compared to the same period of last year. This implies a return on equity of 23.4%. Historically, the bank’s net profit reached an all time high of CZK 253 mi...
By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna's corporate deposits reached CZK 1,146 mil in 2023-12-31, up 512% 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. Moneta St...
By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna's loans reached CZK 16,132 mil in the fourth quarter of 2023, down from CZK 16,314 mil when compared to the previous quarter and down from CZK 16,946 mil when compared to the same period of last year. Historically, the bank...
By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna's cost to income ratio reached 12.2% in the fourth quarter of 2023, down from 18.6% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 124% of income in 4Q2008 and an all time low of 8...
By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna's retail deposits reached CZK 26,794 mil in 2023-12-31, down 1.63% 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. Moneta Stav...
By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna's mortgage loans reached CZK 11,013 mil in 4Q2023, down 0.962% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,742 bil in 4Q2023, up 0.752% when compared to the last year. Moneta Stavebni Spo...
By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna's customer loans reached CZK 16,314 mil in 2023-09-30, down 1.56% compared to the previous year. Czech banking sector provided customer loans of CZK 4,290 bil in 2023-09-30, up 1.99% when compared to the last year. Moneta Staveb...
By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna's customer deposits reached CZK 27,959 mil in 2023-12-31, up 1.87% 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. Moneta ...
By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna generated total banking revenues of CZK 272 mil in 2022-06-30, up 19.8% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 58,488 mil in 2022-06-30, down 1.22% when compared to...
By Helgi Library - May 12, 2024
Moneta Stavebni Sporitelna's net interest margin amounted to 2.15% in the fourth quarter of 2023, up from 2.11% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.02% in 3Q2005 and an all time lo...
Moneta Stavební Spořitelna is the Czech Republic's smallest building savings bank. In 2012, the bank held a 10.5% share of building savings loans and 8.7% of deposits. Partly because of its small size (and limited economies of scale and synergies with a would-be commercial bank on the Czech market) and its conservative approach (the bank has the best loan quality and provision coverage), the bank is traditionally the least profitable building savings bank on the market. In 2012, the bank achieved ROE of “only” 9.7%, compared to the 15.2% of the 5-building savings banks average. Size matters and the lack of economies of scale is reflected in Wüstenrot’s low cost efficiency. In 2012, the bank’s operating costs accounted for 1.27% of average assets, nearly twice as much as the other savings banks.
Moneta Stavebni Sporitelna has been growing its revenues and asset by -0.185% and -3.26% a year on average in the last 10 years. Its loans and deposits have grown by -4.81% and -3.42% a year during that time and loans to deposits ratio reached 56.5% at the end of 2023. The company achieved an average return on equity of 12.7% in the last decade with net profit growing 7.71% a year on average. In terms of operating efficiency, its cost to income ratio reached 19.0% in 2023, compared to 50.0% average in the last decade.
Equity represented 9.17% of total assets or 17.9% of loans at the end of 2023. Moneta Stavebni Sporitelna's non-performing loans were 1.10% of total loans while provisions covered some 78.0% of NPLs at the end of 2023.
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