MONETA Money Bank Balance Sheet Health
Financial Health criteria checks 6/6
MONETA Money Bank has total assets of CZK488.2B and total equity of CZK31.8B. Total deposits are CZK422.4B, and total loans are CZK270.4B. It earns a Net Interest Margin of 2.1%. It has sufficient allowance for bad loans, which are currently at 1.4% of total loans. Cash and short-term investments are CZK100.3B.
Key information
15.3x
Asset to equity ratio
2.1%
Net interest margin
| Total deposits | Kč422.39b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | Kč100.30b |
Recent financial health updates
No updates
Recent updates
MONETA Money Bank, a.s. Earnings Missed Analyst Estimates: Here's What Analysts Are Forecasting Now
Oct 27
Should You Be Adding MONETA Money Bank (SEP:MONET) To Your Watchlist Today?
Oct 19MONETA Money Bank, a.s. (SEP:MONET) Just Released Its Yearly Results And Analysts Are Updating Their Estimates
Feb 07A Look At MONETA Money Bank's (SEP:MONET) Share Price Returns
Dec 29
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: MONET's Assets to Equity ratio (15.3x) is moderate.
Allowance for Bad Loans: MONET has a sufficient allowance for bad loans (112%).
Low Risk Liabilities: 93% of MONET's liabilities are made up of primarily low risk sources of funding.
Loan Level: MONET has an appropriate level of Loans to Assets ratio (55%).
Low Risk Deposits: MONET's Loans to Deposits ratio (64%) is appropriate.
Level of Bad Loans: MONET has an appropriate level of bad loans (1.4%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/24 23:44 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
MONETA Money Bank, a.s. is covered by 15 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Kamil Kliszcz | Biuro maklerskie mBanku |
| Olga Veselova | BofA Global Research |
| Andrzej Powierza | Citigroup Inc |