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Komercni Banka

Komercni Banka - Market Share in Bank Deposits

By Helgi Library - September 2, 2024

Komercni Banka's customer deposits reached CZK 1,228,555 mil in 2024-03-31, up 8.99% compared to the previous year. Czech banki...

Komercni Banka - Market Share in Bank Deposits

By Helgi Library - September 2, 2024

Komercni Banka's customer deposits reached CZK 1,228,555 mil in 2024-03-31, up 8.99% compared to the previous year. Czech banki...

KB's mortgage loans rose 4.70% yoy to CZK 376,700 mil in 2Q2024

By Helgi Library - September 2, 2024

Komercni Banka's mortgage loans reached CZK 376,700 mil in 2Q2024, up 1.21% compared to the previous year. Czech banking sector...

Annual Quarterly LTM
Profit Statement 2021 2022 2023
Net Interest Income CZK mil 21,794 28,632 25,595
Net Fee Income CZK mil 5,713 6,121 6,414
Other Income CZK mil 3,840 3,879 4,190
Total Revenues CZK mil 31,347 38,632 36,199
Staff Cost CZK mil 7,539 7,734 8,335
Operating Profit CZK mil 16,248 22,618 18,878
Provisions CZK mil 731 1,181 14.0
Net Profit CZK mil 12,992 17,838 15,819
Balance Sheet 2021 2022 2023
Interbank Loans CZK mil 257,196 233,398 411,644
Customer Loans CZK mil 724,587 781,463 833,542
Investments CZK mil 190,923 226,848 217,485
Total Assets CZK mil 1,245,134 1,305,304 1,516,302
Shareholders' Equity CZK mil 127,564 124,676 128,284
Interbank Borrowing CZK mil 83,372 85,176 105,694
Customer Deposits CZK mil 956,929 950,692 1,127,228
Issued Debt Securities CZK mil 16,156 50,850 76,991
Ratios 2021 2022 2023
ROE % 10.6 14.1 12.5
ROA % 1.08 1.40 1.12
Costs (As % Of Assets) % 1.25 1.26 1.23
Costs (As % Of Income) % 48.2 41.5 47.8
Capital Adequacy Ratio % 21.3 19.5 18.8
Net Interest Margin % 1.81 2.25 1.81
Loans (As % Of Deposits) % 75.7 82.2 73.9
NPLs (As % Of Loans) % 2.47 2.34 1.85
Provisions (As % Of NPLs) % 51.6 51.0 47.1
Valuation 2021 2022 2023
Market Capitalisation USD mil 8,044 5,252 5,672
Number Of Shares mil 189 189 189
Share Price CZK 935 629 672
Price/Earnings (P/E) 13.9 6.74 8.02
Price/Book Value (P/BV) 1.38 0.953 0.989
Dividend Yield % 2.55 9.61 12.4
Earnings Per Share (EPS) CZK 67.4 93.3 83.8
Book Value Per Share CZK 675 660 679
Dividend Per Share CZK 23.9 60.4 83.1

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summary Unit 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
income statement                                                              
Net Interest Income CZK mil                                                 20,808 22,704 23,591 21,361 21,794    
Total Revenues CZK mil                                                 31,060 32,203 32,573 29,663 31,347    
Operating Profit CZK mil                                                 17,685 17,568 17,642 14,669 16,248    
Net Profit CZK mil                                                 14,930 14,846 14,901 8,157 12,992    
balance sheet                                                              
Interbank Loans CZK mil                                                 222,821 256,268 244,561 262,606 257,196    
Customer Loans CZK mil                                                 593,639 624,954 647,259 679,955 724,587    
Investments CZK mil                                                 108,468 117,760 131,183 158,916 190,923    
Total Assets CZK mil                                                 1,004,039 1,059,932 1,077,334 1,167,131 1,245,134    
                                                                 
Shareholders' Equity CZK mil                                                 100,346 103,329 108,635 117,058 127,564    
Interbank Borrowing CZK mil                                                 84,051 92,271 93,581 86,572 83,372    
Customer Deposits CZK mil                                                 762,043 812,451 821,506 906,217 956,929    
Issued Debt Securities CZK mil                                                 7,392 5,118 6,167 3,777 16,156    
ratios                                                              
ROE % ...                                               14.5 14.6 14.1 7.23 10.6    
ROA % ...                                               1.55 1.44 1.39 0.727 1.08    
Costs (As % Of Assets) % ...                                               1.39 1.42 1.40 1.34 1.25    
Costs (As % Of Income) %                                                 43.1 45.4 45.8 50.5 48.2    
Capital Adequacy Ratio %                   ... ... ... ...                       18.6 18.5 19.7 22.3 21.3    
Net Interest Margin % ...                                               2.16 2.20 2.21 1.90 1.81    
Interest Income (As % Of Revenues) %                                                 67.0 70.5 72.4 72.0 69.5    
Fee Income (As % Of Revenues) %                                                 20.8 18.7 18.4 17.6 18.2    
Staff Cost (As % Of Total Cost) %                                                 54.7 53.5 52.1 51.0 49.9    
Equity (As % Of Assets) %                                                 9.99 9.75 10.1 10.0 10.2    
Loans (As % Of Deposits) %                                                 77.9 76.9 78.8 75.0 75.7    
Loans (As % Assets) %                                                 59.1 59.0 60.1 58.3 58.2    
NPLs (As % Of Loans) % ... ... ... ...     ...                                   3.04 2.72 2.13 2.63 2.47    
Provisions (As % Of NPLs) % ... ... ... ...     ...                                   68.5 70.4 72.4 62.9 51.6    
valuation                                                              
Market Capitalisation USD mil ... ...                                             8,135 7,118 6,918 5,776 8,044    
Number Of Shares mil ... ... ... ... ... ... ... ... ... ... ...                           189 189 189 190 189    
Share Price CZK ... ...                                             915 847 830 657 935    
Earnings Per Share (EPS) CZK ... ... ... ... ... ... ... ... ... ... ...                           76.1 78.6 78.1 43.2 67.4    
Book Value Per Share CZK ... ... ... ... ... ... ... ... ... ... ...                           531 547 575 617 675    
Dividend Per Share CZK ... ...                                             47.0 51.0 0 28.0 23.9    
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ...                           12.0 10.8 10.6 15.2 13.9    
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ...                           1.72 1.55 1.44 1.06 1.38    
Dividend Yield % ... ...                                             5.14 6.02 0 4.26 2.55    
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ...                         5.11 3.24 -0.583 -44.7 56.0    
Book Value Per Share Growth % ...                                               -4.80 2.97 5.14 7.29 9.45    
income statement Unit 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
income statement                                                              
Interest Income CZK mil                                                 26,647 33,643 44,006 36,486 35,557    
Interest Cost CZK mil                                                 5,843 10,939 20,415 15,125 13,763    
Net Interest Income CZK mil                                                 20,808 22,704 23,591 21,361 21,794    
Net Fee Income CZK mil                                                 6,465 6,025 5,984 5,211 5,713    
Fee Income CZK mil                                                 7,450 7,151 7,136 5,210 ... ... ...
Fee Expense CZK mil         ... ...     ... ... ... ... ... ... ... ...                 1,166 1,126 1,153 ... ... ... ...
Other Income CZK mil                                                 3,787 3,474 2,998 3,091 3,840    
Total Revenues CZK mil                                                 31,060 32,203 32,573 29,663 31,347    
Staff Cost CZK mil                                                 7,321 7,827 7,780 7,650 7,539    
Depreciation CZK mil ... ... ... ...                                         786 1,856 2,458 2,730 2,803    
Other Cost CZK mil ... ... ... ...                                         5,268 4,952 4,693 4,614 4,757    
Operating Cost CZK mil                                                 13,375 14,635 14,931 14,994 15,099    
Operating Profit CZK mil                                                 17,685 17,568 17,642 14,669 16,248    
Provisions CZK mil                                                 -391 -642 -571 4,578 731    
Extra and Other Cost CZK mil                                                 -210 -310 -378 -194 -503    
Pre-Tax Profit CZK mil                                                 18,286 18,520 18,591 10,285 16,020    
Tax CZK mil                                                 3,012 3,349 3,419 1,985 3,027    
Minorities CZK mil                                                 344 325 271 143 265    
Net Profit CZK mil                                                 14,930 14,846 14,901 8,157 12,992    
Net Profit Avail. to Common CZK mil                                                 14,930 14,846 14,901 8,157 12,727    
Dividends CZK mil                                                 8,932 9,693 0 5,288 4,506    
growth rates                                                              
Net Interest Income Growth % ...                                               -1.24 9.11 3.91 -9.45 2.03    
Net Fee Income Growth % ...                                               -3.26 -6.81 -0.680 -12.9 9.63    
Total Revenue Growth % ...                                               -2.18 3.68 1.15 -8.93 5.68    
Operating Cost Growth % ...                                               -4.65 9.42 2.02 0.422 0.700    
Operating Profit Growth % ...                                               -0.231 -0.662 0.421 -16.9 10.8    
Pre-Tax Profit Growth % ...                                               8.37 1.28 0.383 -44.7 55.8    
Net Profit Growth % ...                                               9.07 -0.563 0.370 -45.3 59.3    
market share                                                              
Market Share in Revenues %                                                 17.3 16.9 16.1 16.4 17.0    
Market Share in Net Profit %                                                 19.8 18.2 16.4 17.2 18.5    
Market Share in Employees % ...                                               20.8 20.2 20.1 19.8 19.4    
Market Share in Bank Cards % ... ... ... ... ... ... ...                                   15.0 14.1 12.9 12.0 11.5 ... ...
Market Share in Debit Cards % ... ... ... ... ... ... ...                                   15.5 14.0 12.3 11.5 < 0.001 ... ...
Market Share in Credit Cards % ... ... ... ... ... ... ...                                   15.4 17.5 17.5 16.2 17.1 ... ...
Market Share in Branches % ... ... ...                                           20.6 19.8 19.3 26.9 15.2    
balance sheet Unit 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
balance sheet                                                              
Cash & Cash Equivalents CZK mil                                                 32,663 24,851 17,744 23,547 29,947    
Interbank Loans CZK mil                                                 222,821 256,268 244,561 262,606 257,196    
Customer Loans CZK mil                                                 593,639 624,954 647,259 679,955 724,587    
Retail Loans CZK mil ... ... ... ... ... ...                                     299,500 313,300 324,800 348,200 372,000    
Mortgage Loans CZK mil ... ... ... ... ... ...                                     218,900 223,900 229,400 245,500 338,700    
Consumer Loans CZK mil ... ... ... ... ... ...                                     37,000 38,700 39,200 38,800 33,300    
Corporate Loans CZK mil ... ... ... ... ... ...                                     286,502 313,900 319,300 372,600 394,900    
Investments CZK mil                                                 108,468 117,760 131,183 158,916 190,923    
Property and Equipment CZK mil                                                 7,404 7,676 10,528 9,758 8,983    
Intangible Assets CZK mil ... ... ... ... ... ... ...                                   8,436 5,248 6,018 6,898 7,878    
Goodwill CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 3,752 3,752 3,752 3,752 3,752    
Total Assets CZK mil                                                 1,004,039 1,059,932 1,077,334 1,167,131 1,245,134    
                                                                 
Shareholders' Equity CZK mil                                                 100,346 103,329 108,635 117,058 127,564    
Of Which Minority Interest CZK mil                                                 3,797 3,398 3,095 3,242 3,273    
Liabilities CZK mil                                                 903,693 956,603 968,699 1,050,073 1,117,570    
Interbank Borrowing CZK mil                                                 84,051 92,271 93,581 86,572 83,372    
Customer Deposits CZK mil                                                 762,043 812,451 821,506 906,217 956,929    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             314,200 338,400 347,600 382,800 415,800    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             432,300 446,300 462,400 505,000 527,100    
Sight Deposits CZK mil                                                 556,897 722,900 722,900 826,300 719,800    
Term Deposits CZK mil                                                 191,602 61,800 61,800 60,800 237,129    
Issued Debt Securities CZK mil                                                 7,392 5,118 6,167 3,777 16,156    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ...     ...                   ... ... ... ... 2,578 2,546 2,629 2,490    
Other Liabilities CZK mil                                                 50,207 46,763 47,445 53,507 61,113    
asset quality                                                              
Non-Performing Loans CZK mil ... ... ... ...     ...                                   18,600 17,300 14,000 18,200 18,247    
Gross Loans CZK mil                                                 610,849 637,125 657,395 691,400 738,900    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ...                       424,565 451,052 439,237 450,628 484,400    
Total Provisions CZK mil                                                 12,747 12,171 10,136 11,445 9,408    
growth rates                                                              
Customer Loan Growth % ...                                               2.32 5.28 3.57 5.05 6.56    
Retail Loan Growth % ... ... ... ... ... ... ...                                   6.28 4.61 3.67 7.20 6.84    
Mortgage Loan Growth % ... ... ... ... ... ... ...                                   5.34 2.28 2.46 7.02 38.0    
Consumer Loan Growth % ... ... ... ... ... ... ...                                   5.11 4.59 1.29 -1.02 -14.2    
Corporate Loan Growth % ... ... ... ... ... ... ...                                   0.081 9.56 1.72 16.7 5.98    
Total Asset Growth % ...                                               8.81 5.57 1.64 8.34 6.68    
Shareholders' Equity Growth % ...                                               -4.80 2.97 5.14 7.75 8.98    
Customer Deposit Growth % ...                                               8.96 6.61 1.11 10.3 5.60    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           6.80 7.70 2.72 10.1 8.62    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           9.58 3.24 3.61 9.21 4.38    
market share                                                              
Market Share in Customer Loans %                                                 19.2 18.9 18.8 18.9 18.8    
Market Share in Corporate Loans % ... ... ... ... ... ...                                     28.0 29.1 28.5 33.2 33.2    
Market Share in Retail Loans % ... ... ... ... ... ...                                     19.6 19.1 18.6 18.7 18.2    
Market Share in Consumer Loans % ... ... ... ... ... ...                                     9.69 9.68 9.44 9.18 7.43    
Market Share in Mortgage Loans % ... ... ... ... ... ...                                     19.1 18.0 17.3 17.1 21.2    
Market Share in Total Assets %                                                 14.3 14.6 14.2 14.6 14.6    
Market Share in Customer Deposits %                                                 18.3 18.3 17.3 17.6 17.4    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             13.3 13.2 12.8 12.5 12.7    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             43.4 42.9 42.2 41.5 40.3    
ratios Unit 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                                               
ROE % ...                                               14.5 14.6 14.1 7.23 10.6    
ROTE % ... ... ... ... ... ... ... ...                                 15.7 15.6 14.8 7.67 11.3    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     22.9 22.6 22.3 12.2 18.5    
ROA % ...                                               1.55 1.44 1.39 0.727 1.08    
Return on Loans %                                                 2.54 2.44 2.34 1.23 1.85    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     4.08 4.01 3.96 3.30 3.48    
Costs (As % Of Assets) % ...                                               1.39 1.42 1.40 1.34 1.25    
Costs (As % Of Income) %                                                 43.1 45.4 45.8 50.5 48.2    
Costs (As % Of Loans) % ...                                               2.28 2.40 2.35 2.26 2.15    
Costs (As % Of Loans & Deposits) % ...                                               1.02 1.05 1.03 0.982 0.924    
Capital Adequacy Ratio %                   ... ... ... ...                       18.6 18.5 19.7 22.3 21.3    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ...       ...                       18.0 17.9 19.1 21.7 20.9    
Net Interest Margin % ...                                               2.16 2.20 2.21 1.90 1.81    
Interest Spread % ...                                               2.09 2.08 2.00 1.75 1.68    
Asset Yield % ...                                               2.77 3.26 4.12 3.25 2.95    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     7.16 7.36 7.32 6.67 6.71    
Cost Of Liabilities % ...                                               0.679 1.18 2.12 1.50 1.27    
Payout Ratio %                                                 59.8 65.3 0 64.8 34.7    
Interest Income (As % Of Revenues) %                                                 67.0 70.5 72.4 72.0 69.5    
Fee Income (As % Of Revenues) %                                                 20.8 18.7 18.4 17.6 18.2    
Other Income (As % Of Revenues) %                                                 12.2 10.8 9.20 10.4 12.2    
Staff Cost (As % Of Total Cost) %                                                 54.7 53.5 52.1 51.0 49.9    
Equity (As % Of Assets) %                                                 9.99 9.75 10.1 10.0 10.2    
Equity (As % Of Loans) %                                                 16.9 16.5 16.8 17.2 17.6    
Loans (As % Of Deposits) %                                                 77.9 76.9 78.8 75.0 75.7    
Loans (As % Assets) %                                                 59.1 59.0 60.1 58.3 58.2    
NPLs (As % Of Loans) % ... ... ... ...     ...                                   3.04 2.72 2.13 2.63 2.47    
Provisions (As % Of NPLs) % ... ... ... ...     ...                                   68.5 70.4 72.4 62.9 51.6    
Provisions (As % Of Loans) %                                                 2.15 1.95 1.57 1.68 1.30    
Cost of Provisions (As % Of Loans) % ...                                               -0.067 -0.105 -0.090 0.690 0.104    
other data Unit 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                                               
Branches ... ... ...                                           401 388 366 452 242    
ATMs ... ... ...                                           764 776 796 809 860    
ATMs (As % of Bank Branches) % ... ... ...                                           191 200 217 179 355    
Employees                                                 8,696 8,454 8,351 8,062 7,687    
Employees Per Bank Branch ... ... ...                                           21.7 21.8 22.8 17.8 31.8    
Cost Per Employee USD per month                                                 2,990 3,526 3,444 3,594 3,772    
Cost Per Employee (Local Currency) CZK per month                                                 70,157 77,153 77,635 79,075 81,731    
Employee Turnover % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   13.0 16.0 15.8 ... ... ... ...
Women (As % of Workforce) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     66.0 65.0 64.0 ... ... ... ...
customer breakdown Unit 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                                               
Customers mil ... ... ... ... ... ... ...                                   1.66 1.67 1.66 1.64 1.63    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   1.42 1.46 1.42 1.44 ... ... ...
Payment Cards mil ... ... ... ... ... ... ...                                   1.69 1.67 1.68 1.65 1.66    
Debit Cards mil ... ... ... ... ... ... ...                                   1.40 1.39 1.40 1.41 1.42    
Credit Cards mil ... ... ... ... ... ... ...                                   0.294 0.282 0.274 0.242 0.239    
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         0.157 0.154 0.159 0.170 ... ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         1,393,000 1,451,000 1,444,000 1,444,000 ... ... ...
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   85.5 87.2 85.5 87.9 ... ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         9.44 9.25 9.55 10.4 ... ... ...
Payments Cards (As % of Total Clients) % ... ... ... ... ... ... ...                                   102 100 101 100 102    
Debit Cards (As % of Total Clients) % ... ... ... ... ... ... ...                                   84.1 83.2 84.3 85.7 87.4    
Credit Cards (As % of Total Clients) % ... ... ... ... ... ... ...                                   17.7 16.9 16.5 14.7 14.7    
                                                                 
Market Value per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                   104,083 95,876 94,049 75,276 108,665    
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                   18,666 19,306 19,575 18,076 19,290    
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                   8,972 8,900 8,955 4,971 7,995    
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                   356,754 374,673 388,978 414,354 445,900    
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                   457,959 487,081 493,694 552,235 588,879    
Market Value per Customer USD ... ... ... ... ... ... ...                                   4,889 4,268 4,158 3,520 4,950    
Revenue per Customer USD ... ... ... ... ... ... ...                                   795 882 868 821 890    
Net Profit per Customer USD ... ... ... ... ... ... ...                                   382 407 397 226 369    
Loan per Customer USD ... ... ... ... ... ... ...                                   16,756 16,677 17,195 19,374 20,313    
Deposit per Customer USD ... ... ... ... ... ... ...                                   21,509 21,681 21,825 25,821 26,827    

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KB's mortgage loans rose 4.70% yoy to CZK 376,700 mil in 2Q2024

By Helgi Library - September 2, 2024

Komercni Banka's mortgage loans reached CZK 376,700 mil in 2Q2024, up 1.21% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,778 bil in 2Q2024, up 1.34% when compared to the last year. Komercni Banka accounted for 21.2%...

KB's branches fell 3.72% yoy to 207 in 2Q2024

By Helgi Library - September 2, 2024

Komercni Banka employed 7,523 persons in 2024-06-30, down 0.530% compared to the previous year. Historically, the bank's workforce hit an all time high of 11,415 persons in 2000-12-31 and an all time low of 7,496 in 2022-09-30. The bank operated a network of ...

KB's branches fell 3.72% yoy to 207 in 2Q2024

By Helgi Library - September 2, 2024

Komercni Banka employed 7,523 persons in 2024-06-30, down 0.530% compared to the previous year. Historically, the bank's workforce hit an all time high of 11,415 persons in 2000-12-31 and an all time low of 7,496 in 2022-09-30. The bank operated a network of ...

KB's net interest margin fell 12.3% yoy to 1.56% in 2Q2024

By Helgi Library - September 2, 2024

Komercni Banka's net interest margin amounted to 1.56% in the second quarter of 2024, down from 1.60% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.20% in 4Q2009 and an all time low of ...

KB's net interest margin fell 12.3% yoy to 1.56% in 2Q2024

By Helgi Library - September 2, 2024

Komercni Banka's net interest margin amounted to 1.56% in the second quarter of 2024, down from 1.60% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.20% in 4Q2009 and an all time low of ...

KB's employees fell 0.341% yoy to 7,523 in 2Q2024

By Helgi Library - September 2, 2024

Komercni Banka employed 7,523 persons in 2024-06-30, down 0.530% when compared to the previous year. Historically, the bank's workforce hit an all time high of 11,415 persons in 2000-12-31 and an all time low of 7,496 in 2022-09-30. Average cost reached USD 4,333 ...

KB's employees fell 0.341% yoy to 7,523 in 2Q2024

By Helgi Library - September 2, 2024

Komercni Banka employed 7,523 persons in 2024-06-30, down 0.530% when compared to the previous year. Historically, the bank's workforce hit an all time high of 11,415 persons in 2000-12-31 and an all time low of 7,496 in 2022-09-30. Average cost reached USD 4,333 ...

KB's total revenues fell 1.52% yoy to CZK 8,822 mil in 1Q2024

By Helgi Library - September 2, 2024

Komercni Banka generated total banking revenues of CZK 8,822 mil in 2024-03-31, down 4.11% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 60,165 mil in 2024-03-31, up 2.08% when compared to the last ...

KB's total revenues fell 1.52% yoy to CZK 8,822 mil in 1Q2024

By Helgi Library - September 2, 2024

Komercni Banka generated total banking revenues of CZK 8,822 mil in 2024-03-31, down 4.11% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 60,165 mil in 2024-03-31, up 2.08% when compared to the last ...

KB's customer loans rose 6.43% yoy to CZK 838,935 mil in 1Q2024

By Helgi Library - September 2, 2024

Komercni Banka's customer loans reached CZK 838,935 mil in 2024-03-31, up 0.647% compared to the previous year. Czech banking sector provided customer loans of CZK 4,428 bil in 2024-03-31, up 1.63% when compared to the last year. Komercni Banka accounted ...

More News

Komerční Banka is the third largest bank by assets in the Czech Republic, with a share of over 16%. Formerly a corporate-oriented bank, the bank has developed into a universal bank servicing more than 1.3 mil retail clients through nearly 400 branches. Following hefty loan losses and a government-orchestrated bailout at the end of the 1990s, 60% of the bank was sold to France's Societe Generale in 2001. Since the takeover, Komerční Banka's net profit has increased fivefold and the bank's ROE has exceeded 20%. The bank is well capitalised (with a capital adequacy ratio at nearly 15%) and funded (with loans to deposits at only 78%) and has been lending cautiously since its privatisation (non-performing loans accounted for only 5.8% of the total at the end of 2012).

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Finance

Komercni Banka has been growing its revenues and asset by 1.60% and 5.79% a year on average in the last 10 years. Its loans and deposits have grown by 5.83% and 5.67% a year during that time and loans to deposits ratio reached 73.9% at the end of 2023. The company achieved an average return on equity of 12.5% in the last decade with net profit growing 2.06% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.8% in 2023, compared to 45.5% average in the last decade.

Equity represented 8.46% of total assets or 15.4% of loans at the end of 2023. Komercni Banka's non-performing loans were 1.85% of total loans while provisions covered some 47.1% of NPLs at the end of 2023.

Valuation

Komercni Banka stock traded at per share at the end of 2023 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 12.4% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 8.02x and price to book value (PBV) of 0.989x in 2023.

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