MONETA Money Bank, a.s. (PRA:MONET)

MONETA Money Bank, a.s. Income Statement

Financials in millions CZK. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	18,743	20,592	20,490	15,591	9,649	9,712
Interest Income on Investments	1,685	1,685	1,294	4	3	2
Total Interest Income	20,428	22,277	21,784	15,595	9,652	9,714
Interest Paid on Deposits	10,729	13,151	13,351	6,280	1,040	1,430
Net Interest Income	9,699	9,126	8,433	9,315	8,612	8,284
Net Interest Income Growth (YoY)	15.20%	8.22%	-9.47%	8.16%	3.96%	4.50%
Gain (Loss) on Sale of Investments	-	-	-	-	-	297
Other Non-Interest Income	3,850	3,855	3,392	2,801	2,556	2,387
Total Non-Interest Income	3,850	3,855	3,392	2,801	2,556	2,684
Non-Interest Income Growth (YoY)	2.50%	13.65%	21.10%	9.59%	-4.77%	3.55%
Revenues Before Loan Losses	13,549	12,981	11,825	12,116	11,168	10,968
Provision for Loan Losses	383	352	268	90	695	3,562
Revenue	13,166	12,629	11,557	12,026	10,473	7,406
Revenue Growth (YoY)	12.53%	9.28%	-3.90%	14.83%	41.41%	-25.96%
Salaries and Employee Benefits	2,566	2,578	2,451	2,502	2,562	2,519
Occupancy Expenses	1,162	1,181	1,189	1,249	1,196	1,129
Federal Deposit Insurance	183	204	287	229	210	151
Selling, General & Administrative	1,596	1,508	1,578	1,523	1,518	1,372
Other Non-Interest Expense	58	60	46	52	26	345
Total Non-Interest Expense	5,565	5,531	5,551	5,555	5,512	5,516
EBT Excluding Unusual Items	7,601	7,098	6,006	6,471	4,961	1,890
Asset Writedown	-3	-3	-4	-13	-26	-10
Other Unusual Items	-	-	-	-	-	1,130
Pretax Income	7,594	7,091	6,025	6,432	4,935	3,010
Income Tax Expense	813	700	645	1,245	951	409
Net Income	6,781	6,391	5,380	5,187	3,984	2,601
Net Income to Common	6,781	6,391	5,380	5,187	3,984	2,601
Net Income Growth	20.96%	18.79%	3.72%	30.20%	53.17%	-35.28%
Basic Shares Outstanding	511	511	511	511	511	511
Diluted Shares Outstanding	511	511	511	511	511	511
EPS (Basic)	13.27	12.51	10.53	10.15	7.80	5.09
EPS (Diluted)	13.27	12.51	10.53	10.15	7.80	5.09
EPS Growth	20.96%	18.79%	3.73%	30.19%	53.17%	-35.28%
Dividend Per Share	10.000	10.000	9.000	8.000	7.000	3.000
Dividend Growth	11.11%	11.11%	12.50%	14.29%	133.33%	-9.09%
Effective Tax Rate	10.71%	9.87%	10.71%	19.36%	19.27%	13.59%

Updated Mar 20, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.