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...
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...
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...
| 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 |
Get all company financials in excel:
| 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 |
Get all company financials in excel:
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%...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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).
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.
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.
Helgi Library 
