MEDIRECT BANK (MALTA) PLC financials
MEDIRECT BANK (MALTA) PLC
529900SYUCFQHI3JZQ05 | Line item | 2024 | 2023 |
|---|---|---|
| Income statement | ||
| Other income | €71.0K | €77.0K |
| Operating expenses | €71.5M | €73.2M |
| Employee benefits expense | €26.8M | €24.3M |
| Depreciation & amortisation | €5.7M | €5.6M |
| Operating profit (EBIT) | €14.3M | €15.3M |
| Profit before tax | -€5.0M | €14.4M |
| Income tax expense | €856.0K | €2.4M |
| Profit for the year | -€5.9M | €11.9M |
| Total comprehensive income | -€5.9M | €11.9M |
| Per share | ||
| Basic EPS | €-0.05 | €0.10 |
| Free cash flow / share | €3.38 | €2.09 |
| Cash flow statement | ||
| Net cash from operating activities | €397.9M | €249.6M |
| Net cash from investing activities | -€41.8M | -€49.4M |
| Purchase of PP&E (capex) | €464.0K | €242.0K |
| Purchase of intangibles | €4.5M | €6.3M |
| Net cash from financing activities | -€274.3M | -€59.3M |
| Lease liability payments | €1.2M | €1.2M |
| Balance sheet | ||
| Total assets | €5.07B | €4.98B |
| Cash & equivalents | €59.5M | -€22.3M |
| Total equity | €248.7M | €254.5M |
| Deferred tax liabilities | €196.0K | €342.0K |
| Derived metrics | ||
| Free cash flow | €397.4M | €249.4M |
| Return on equity | -2.4% | 4.7% |
| Cash conversion ratio | -67.69× | 20.89× |
| Capex coverage | 857.56× | 1031.49× |
| Other reported items | ||
| Accruals and Deferred Income Including Contract Liabilities | €11.7M | €12.3M |
| Additional Paidin Capital | €133.2M | €133.2M |
| Adjustments For Decrease Increase In Other Assets | -€7.1M | -€1.8M |
| Adjustments For Increase Decrease In Other Operating Payables | -€2.5M | €2.7M |
| Cash and Bank Balances At Central Banks | €206.9M | €265.5M |
| Cash Flows From Used In Operations Before Changes In Working Capital | €12.8M | €41.3M |
| Current Tax Assets Current | €1.0M | €205.0K |
| Current Tax Liabilities Current | €2.0K | €980.0K |
| Debt Securities | €641.7M | €916.7M |
| Deferred Tax Assets | €17.5M | €17.5M |
| Deposits From Banks | €179.8M | €375.0M |
| Deposits From Customers | €3.88B | €3.31B |
| Derivative Financial Assets | €175.3M | €207.9M |
| Derivative Financial Liabilities | €32.7M | €25.5M |
| Equity and Liabilities | €5.07B | €4.98B |
| Fee and Commission Expense | €5.3M | €4.6M |
| Fee and Commission Income | €12.5M | €9.7M |
| Fee and Commission Income Expense | €7.2M | €5.1M |
| Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | -€125.0K | €447.0K |
| General and Administrative Expense | €38.9M | €43.4M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €19.3M | €945.0K |
| Income Taxes Paid Refund Classified As Operating Activities | €2.8M | €1.1M |
| Increase Decrease In Cash and Cash Equivalents | €81.8M | €141.0M |
| Increase Decrease Through Transfer To Statutory Reserve | — | €0 |
| Interest Expense | €117.6M | €91.4M |
| Interest Revenue Expense | €77.1M | €82.3M |
| Investment Property | €17.0M | €0 |
| Investments In Subsidiaries Joint Ventures and Associates | €0 | €0 |
| Issued Capital | €117.5M | €117.5M |
| Liabilities | €4.82B | €4.72B |
| Loans and Advances To Banks | €316.2M | €358.4M |
| Loans and Advances To Customers | €2.93B | €2.75B |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €0 | €1.8M |
| Other Assets | €25.5M | €23.0M |
| Other Income Expense From Subsidiaries Jointly Controlled Entities and Associates | €0 | €0 |
| Other Liabilities | €9.9M | €13.5M |
| Other Provisions | €202.0K | €298.0K |
| Other Reserves | €880.0K | €716.0K |
| Payments To Suppliers For Goods and Services and To and On Behalf of Employees | €66.3M | €68.7M |
| Prepayments and Accrued Income Other Than Contract Assets | €5.4M | €4.7M |
| Repayments of Bonds Notes and Debentures | €272.0M | €58.7M |
| Retained Earnings | -€16.3M | -€10.3M |
| Revenue From Interest | €194.7M | €173.8M |
| Share Premium | €13.5M | €13.5M |
| Subordinated Liabilities | €67.4M | €66.9M |
| Trading Income Expense | €1.6M | €547.0K |
Every line item above is a fact tagged in MEDIRECT BANK (MALTA) PLC's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.