MEDIRECT BANK (MALTA) PLC financials

MEDIRECT BANK (MALTA) PLC

Country: MT Reporting currency: EUR Latest annual report: 2024-12-31
LEI: 529900SYUCFQHI3JZQ05
Source filing ↗
Financial statements (EUR, as reported — unscaled; 71 line items across 2 annual periods)
Line item 20242023
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
Methodology

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.