{"id":864,"date":"2023-02-06T15:23:13","date_gmt":"2023-02-06T15:23:13","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=864"},"modified":"2023-02-07T13:50:20","modified_gmt":"2023-02-07T13:50:20","slug":"moneta-dorucila-za-rok-2022-cisty-zisk-52-miliardy-korun","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=864","title":{"rendered":"MONETA hl\u00e1s\u00ed \u010dist\u00fd zisk 5,2 miliardy korun"},"content":{"rendered":"<p><strong>MONETA Money Bank (\u201eMONETA\u201c nebo \u201eskupina MONETA\u201c) dnes ozn\u00e1mila sv\u00e9 neauditovan\u00e9 konsolidovan\u00e9 finan\u010dn\u00ed v\u00fdsledky za rok 2022. \u010cist\u00fd zisk meziro\u010dn\u011b vzrostl o 30,2 procenta na 5,2 miliardy korun.<\/strong><\/p>\n<p><!--more--><\/p>\n<p>Tento v\u00fdsledek p\u0159ekonal v\u00fdhled na \u010dist\u00fd zisk za rok 2022 zve\u0159ejn\u011bn\u00fd v \u00fanoru 2022 o t\u00e9m\u011b\u0159 18 procent a bylo ho dosa\u017eeno zejm\u00e9na d\u00edky vy\u0161\u0161\u00edm \u00farokov\u00fdm sazb\u00e1m, p\u0159\u00edzniv\u00fdm n\u00e1klad\u016fm na riziko a provozn\u00edm n\u00e1klad\u016fm, kter\u00e9 byly ni\u017e\u0161\u00ed, ne\u017e se o\u010dek\u00e1valo. D\u00edky tomu n\u00e1vratnost hmotn\u00e9ho kapit\u00e1lu dos\u00e1hla v\u00fd\u0161e 18,7 procenta.<\/p>\n<p>Tom\u00e1\u0161 Spurn\u00fd, CEO a p\u0159edseda p\u0159edstavenstva MONETA, komentuje finan\u010dn\u00ed v\u00fdsledky skupiny MONETA za rok 2022:<\/p>\n<p><em>\u201e<\/em><em>V uplynul\u00e9m roce dos\u00e1hla MONETA solidn\u00edch v\u00fdsledk\u016f. Pos\u00edlili jsme tak\u00e9 z\u00e1kladn\u00ed pil\u00ed\u0159e fungov\u00e1n\u00ed na\u0161\u00ed banky, jako je likvidita, efektivita a schopnost \u0159\u00eddit rizika. T\u00edmto bych r\u00e1d pod\u011bkoval sv\u00fdm koleg\u016fm, proto\u017ee na\u0161e v\u00fdsledky v\u00a0roce 2022 odr\u00e1\u017eej\u00ed jejich schopnosti a \u00fasil\u00ed.\u201c<\/em><\/p>\n<p>\u010cist\u00fd \u00farokov\u00fd v\u00fdnos vzrostl o 8,2 procenta v porovn\u00e1n\u00ed s rokem 2021, d\u00edky r\u016fstu v\u00fdnos\u016f z \u00fav\u011brov\u00fdch produkt\u016f a vy\u0161\u0161\u00edm v\u00fdnos\u016fm z treasury operac\u00ed. \u010cist\u00fd v\u00fdnos z poplatk\u016f a proviz\u00ed stoupl o 12,1 procenta d\u00edky vy\u0161\u0161\u00edmu v\u00fdnosu z proviz\u00ed za prodeje produkt\u016f t\u0159et\u00edch stran i vy\u0161\u0161\u00ed intenzit\u011b klientsk\u00fdch transakc\u00ed. Celkov\u011b dos\u00e1hly provozn\u00ed v\u00fdnosy 12,1 miliardy korun, co\u017e p\u0159edstavuje n\u00e1r\u016fst o 8,5 procenta v porovn\u00e1n\u00ed s rokem 2021.<\/p>\n<p>Provozn\u00ed n\u00e1klady ve v\u00fd\u0161i 5,6 miliardy korun jsou o 100 milion\u016f korun ni\u017e\u0161\u00ed, ne\u017e byl v\u00fdhled. Toho bylo dosa\u017eeno zejm\u00e9na d\u00edky d\u016fsledn\u00e9mu \u0159\u00edzen\u00ed n\u00e1klad\u016f a neust\u00e1l\u00e9mu \u00fasil\u00ed zvy\u0161ovat produktivitu v\u00a0prost\u0159ed\u00ed vysok\u00e9 inflace. Po\u010det zam\u011bstnanc\u016f se v\u00a0pr\u016fb\u011bhu roku sni\u017eoval a v\u00a0prosinci byl na \u00farovni 2 699, co\u017e p\u0159edstavuje meziro\u010dn\u00ed pokles o 9,5 procenta. Provozn\u00ed n\u00e1klady byly tak\u00e9 pozitivn\u011b ovlivn\u011bny kompenzac\u00ed od skupiny PPF ve v\u00fd\u0161i 113 milion\u016f korun za n\u00e1klady spojen\u00e9 se zru\u0161enou akvizic\u00ed skupiny Air Bank.<\/p>\n<p>Za rok 2022 dos\u00e1hly n\u00e1klady na riziko v\u00fd\u0161e 90 milion\u016f korun neboli 3 bazick\u00fdch bod\u016f pr\u016fm\u011brn\u00e9ho \u00fav\u011brov\u00e9ho portfolia, co\u017e je pod \u00farovn\u00ed v\u00fdhledu, kter\u00fd o\u010dek\u00e1val\u00a0rozmez\u00ed 20\u201340 bazick\u00fdch bod\u016f. K\u00a0n\u00edzk\u00fdm n\u00e1klad\u016fm na riziko p\u0159isp\u011blo zejm\u00e9na sn\u00ed\u017een\u00ed objemu \u00fav\u011br\u016f v\u00a0selh\u00e1n\u00ed (NPL) a z\u00e1rove\u0148 p\u0159etrv\u00e1vaj\u00edc\u00ed dobr\u00e1 platebn\u00ed mor\u00e1lka klient\u016f. V\u00a0pr\u016fb\u011bhu roku 2022 MONETA za\u00fa\u010dtovala tzv. management overlay, tedy opravnou polo\u017eku stanovenou veden\u00edm k\u00a0pokryt\u00ed p\u0159\u00edpadn\u00fdch budouc\u00edch ztr\u00e1t, kter\u00e9 souvis\u00ed s mo\u017enou zhor\u0161uj\u00edc\u00ed se kvalitou \u00fav\u011brov\u00e9ho portfolia vzhledem k\u00a0existuj\u00edc\u00edm rizik\u016fm ekonomick\u00e9ho prost\u0159ed\u00ed. Dopad tohoto kroku byl z\u00a0velk\u00e9 \u010d\u00e1sti kompenzov\u00e1n rozpu\u0161t\u011bn\u00edm opravn\u00fdch polo\u017eek v\u00a0d\u016fsledku aktualizace modelu IFRS 9. N\u00e1klady na riziko tak\u00e9 podpo\u0159ily \u00fasp\u011b\u0161n\u00e9 prodeje \u00fav\u011br\u016f v\u00a0selh\u00e1n\u00ed, kter\u00e9 vygenerovaly dodate\u010dn\u00fd v\u00fdnos ve v\u00fd\u0161i 243 milion\u016f korun.<\/p>\n<p>MONETA vyk\u00e1zala silnou kapit\u00e1lovou pozici s\u00a0regulatorn\u00edm kapit\u00e1lem ve v\u00fd\u0161i 30,9 miliardy korun. Kapit\u00e1lov\u00e1 p\u0159im\u011b\u0159enost dos\u00e1hla 18 procent s\u00a0nadbyte\u010dn\u00fdm kapit\u00e1lem ve\u00a0v\u00fd\u0161i 3,3 miliardy korun nad \u00farovn\u00ed c\u00edle stanoven\u00e9ho veden\u00edm ve v\u00fd\u0161i 16,1 procenta \u2013\u2060 bez zapo\u010dten\u00ed \u010d\u00e1stky 4,1 miliardy korun na v\u00fdplatu dividendy za rok 2022. K pokryt\u00ed po\u017eadavk\u016f na kapit\u00e1l a zp\u016fsobil\u00e9 z\u00e1vazky (MREL) vydala MONETA v roce 2022 dluhopisy v celkov\u00e9 v\u00fd\u0161i 3,9 miliardy korun a pl\u00e1nuje, \u017ee dal\u0161\u00ed n\u00e1stroje zp\u016fsobil\u00e9 k pln\u011bn\u00ed po\u017eadavku MREL vyd\u00e1 v druh\u00e9 polovin\u011b roku 2023. D\u00edky siln\u00e9 kapit\u00e1lov\u00e9 pozici m\u016f\u017ee veden\u00ed skupiny MONETA navrhnout k v\u00fdplat\u011b dividendu za rok 2022 ve v\u00fd\u0161i 8 korun na akcii. To p\u0159edstavuje v\u00fdplatn\u00ed pom\u011br 79 procent konsolidovan\u00e9ho \u010dist\u00e9ho zisku.<\/p>\n<p>V\u00a0kv\u011btnu podepsaly MONETA a Komer\u010dn\u00ed banka (KB) smlouvu o sd\u00edlen\u00ed sv\u00fdch bankomatov\u00fdch s\u00edt\u00ed po cel\u00e9 \u010cesk\u00e9 republice. Tato spolupr\u00e1ce zvy\u0161uje dostupnost hotovostn\u00edch slu\u017eeb pro klienty obou bank a p\u0159isp\u00edv\u00e1 k\u00a0udr\u017eitelnosti prost\u0159ednictv\u00edm optimalizace sd\u00edlen\u00e9 bankomatov\u00e9 s\u00edt\u011b a z\u00e1rove\u0148 umo\u017e\u0148uje vylou\u010den\u00ed duplicitn\u00edch bankomat\u016f. V\u00a0prosinci se k\u00a0dohod\u011b o sd\u00edlen\u00ed bankomatov\u00e9 s\u00edt\u011b p\u0159ipojily tak\u00e9 UniCredit Bank a Air Bank s\u00a0\u00fa\u010dinnost\u00ed od \u00fanora 2023. D\u00edky tomu se po\u010det bankomat\u016f ve sd\u00edlen\u00e9 celon\u00e1rodn\u00ed s\u00edti roz\u0161\u00ed\u0159il na 2 048.<\/p>\n<p>V\u00a0r\u00e1mci sv\u00e9ho sektoru MONETA obdr\u017eela v\u00a0roce 2022 \u0159adu ocen\u011bn\u00ed, v\u010detn\u011b 12 cen v\u00a0ka\u017edoro\u010dn\u00ed sout\u011b\u017ei Finan\u010dn\u00ed akademie Zlat\u00e1 koruna, ze kter\u00e9 si MONETA odnesla \u010dty\u0159i zlat\u00e9, \u0161est st\u0159\u00edbrn\u00fdch a dv\u011b bronzov\u00e9 medaile. Mobiln\u00ed aplikace Smart Banka vyhr\u00e1la jednu zlatou a dv\u011b st\u0159\u00edbrn\u00e9 medaile, online nab\u00eddka hypote\u010dn\u00edch produkt\u016f z\u00edskala ocen\u011bn\u00ed Novinka roku a dal\u0161\u00ed dv\u011b zlat\u00e9 medaile putovaly ve prosp\u011bch stavebn\u00edho spo\u0159en\u00ed a b\u011b\u017en\u00e9ho \u00fa\u010dtu Konto pro podnik\u00e1n\u00ed. V\u00a0presti\u017en\u00ed sout\u011b\u017ei Banka roku 2022 z\u00edskala MONETA dv\u011b prvn\u00ed a dv\u011b druh\u00e1 m\u00edsta, v\u010detn\u011b prvn\u00edho m\u00edsta v\u00a0kategorii Zodpov\u011bdn\u00e1 banka roku.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>MONETA Money Bank (\u201eMONETA\u201c nebo \u201eskupina MONETA\u201c) dnes ozn\u00e1mila sv\u00e9 neauditovan\u00e9 konsolidovan\u00e9 finan\u010dn\u00ed v\u00fdsledky za rok 2022. \u010cist\u00fd zisk meziro\u010dn\u011b vzrostl o 30,2 procenta na <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=864\" title=\"MONETA hl\u00e1s\u00ed \u010dist\u00fd zisk 5,2 miliardy korun\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":124,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-864","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/864","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=864"}],"version-history":[{"count":3,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/864\/revisions"}],"predecessor-version":[{"id":871,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/864\/revisions\/871"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/124"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=864"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=864"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=864"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}