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Komercni Banka

KB's total revenues rose 31.2% yoy to CZK 9,690 mil in 2Q2022

By Helgi Library - May 23, 2025

Komercni Banka generated total banking revenues of CZK 9,690 mil in 2022-06-30, up 2.25% compared to the previous year. Cz...

Komercni Banka - Market Share in Bank Deposits

By Helgi Library - March 11, 2025

Komercni Banka's customer deposits reached CZK 1,319,047 mil in 2024-09-30, up 9.87% compared to the previous year. Czech banki...

KB's net profit rose 48.1% yoy to CZK 4,236 mil in 1Q2025

By Helgi Library - May 23, 2025

Komercni Banka made a net profit of CZK 4,236 mil in the first quarter of 2025, up 48.1% when compared to the same period of last...

Annual Quarterly LTM
Profit Statement 2022 2023 2024
Net Interest Income CZK mil 28,632 25,595 25,278
Net Fee Income CZK mil 6,121 6,414 7,291
Other Income CZK mil 3,879 4,190 4,217
Total Revenues CZK mil 38,632 36,199 36,786
Staff Cost CZK mil 7,734 8,335 8,731
Operating Profit CZK mil 22,618 18,878 19,061
Provisions CZK mil 1,181 14.0 994
Net Profit CZK mil 17,838 15,819 17,408
Balance Sheet 2022 2023 2024
Interbank Loans CZK mil 233,398 411,644 335,834
Customer Loans CZK mil 781,463 833,542 853,022
Investments CZK mil 226,848 217,485 235,975
Total Assets CZK mil 1,305,304 1,516,302 1,536,000
Shareholders' Equity CZK mil 124,676 128,284 130,037
Interbank Borrowing CZK mil 85,176 105,694 91,574
Customer Deposits CZK mil 950,692 1,127,228 1,174,525
Issued Debt Securities CZK mil 50,850 76,991 78,344
Ratios 2022 2023 2024
ROE % 14.1 12.5 13.5
ROA % 1.40 1.12 1.14
Costs (As % Of Assets) % 1.26 1.23 1.16
Costs (As % Of Income) % 41.5 47.8 48.2
Capital Adequacy Ratio % 19.5 18.8 18.8
Net Interest Margin % 2.25 1.81 1.66
Loans (As % Of Deposits) % 82.2 73.9 72.6
NPLs (As % Of Loans) % 2.34 1.85 1.94
Provisions (As % Of NPLs) % 51.0 47.1 44.3
Valuation 2022 2023 2024
Market Capitalisation USD mil 5,286 6,153 7,207
Number Of Shares mil 190 190 190
Share Price CZK 629 725 849
Price/Earnings (P/E) 6.78 8.70 9.26
Price/Book Value (P/BV) 0.959 1.07 1.24
Dividend Yield % 9.61 11.4 10.8
Earnings Per Share (EPS) CZK 92.7 83.2 91.6
Book Value Per Share CZK 656 675 684
Dividend Per Share CZK 60.4 82.6 91.3

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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 2024
income statement                                                                
Net Interest Income CZK mil                                                   22,704 23,591 21,361 21,794 28,632    
Total Revenues CZK mil                                                   32,203 32,573 29,663 31,347 38,632    
Operating Profit CZK mil                                                   17,568 17,642 14,669 16,248 22,618    
Net Profit CZK mil                                                   14,846 14,901 8,157 12,992 17,838    
balance sheet                                                                
Interbank Loans CZK mil                                                   256,268 244,561 262,606 257,196 233,398    
Customer Loans CZK mil                                                   624,954 647,259 679,955 724,587 781,463    
Investments CZK mil                                                   117,760 131,183 158,916 190,923 226,848    
Total Assets CZK mil                                                   1,059,932 1,077,334 1,167,131 1,245,134 1,305,304    
                                                                   
Shareholders' Equity CZK mil                                                   103,329 108,635 117,058 127,564 124,676    
Interbank Borrowing CZK mil                                                   92,271 93,581 86,572 83,372 85,176    
Customer Deposits CZK mil                                                   812,451 821,506 906,217 956,929 950,692    
Issued Debt Securities CZK mil                                                   5,118 6,167 3,777 16,156 50,850    
ratios                                                                
ROE % ...                                                 14.6 14.1 7.23 10.6 14.1    
ROA % ...                                                 1.44 1.39 0.727 1.08 1.40    
Costs (As % Of Assets) % ...                                                 1.42 1.40 1.34 1.25 1.26    
Costs (As % Of Income) %                                                   45.4 45.8 50.5 48.2 41.5    
Capital Adequacy Ratio %                   ... ... ... ...                         18.5 19.7 22.3 21.3 19.5    
Net Interest Margin % ...                                                 2.20 2.21 1.90 1.81 2.25    
Interest Income (As % Of Revenues) %                                                   70.5 72.4 72.0 69.5 74.1    
Fee Income (As % Of Revenues) %                                                   18.7 18.4 17.6 18.2 15.8    
Staff Cost (As % Of Total Cost) %                                                   53.5 52.1 51.0 49.9 48.3    
Equity (As % Of Assets) %                                                   9.75 10.1 10.0 10.2 9.55    
Loans (As % Of Deposits) %                                                   76.9 78.8 75.0 75.7 82.2    
Loans (As % Assets) %                                                   59.0 60.1 58.3 58.2 59.9    
NPLs (As % Of Loans) % ... ... ... ...     ...                                     2.72 2.13 2.63 2.47 2.34    
Provisions (As % Of NPLs) % ... ... ... ...     ...                                     70.4 72.4 62.9 51.6 51.0    
valuation                                                                
Market Capitalisation USD mil ... ...                                               7,118 6,918 5,776 8,044 5,286    
Number Of Shares mil ... ... ... ... ... ... ... ... ... ... ...                             189 189 190 189 190    
Share Price CZK ... ...                                               847 830 657 935 629    
Earnings Per Share (EPS) CZK ... ... ... ... ... ... ... ... ... ... ...                             78.6 78.1 43.2 67.4 92.7    
Book Value Per Share CZK ... ... ... ... ... ... ... ... ... ... ...                             547 575 617 675 656    
Dividend Per Share CZK ... ...                                               51.0 0 28.0 23.9 60.4    
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ...                             10.8 10.6 15.2 13.9 6.78    
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ...                             1.55 1.44 1.06 1.38 0.959    
Dividend Yield % ... ...                                               6.02 0 4.26 2.55 9.61    
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ...                           3.24 -0.583 -44.7 56.0 37.6    
Book Value Per Share Growth % ...                                                 2.97 5.14 7.29 9.45 -2.88    
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 2024
income statement                                                                
Interest Income CZK mil                                                   33,643 44,006 36,486 35,557 93,146    
Interest Cost CZK mil                                                   10,939 20,415 15,125 13,763 64,514    
Net Interest Income CZK mil                                                   22,704 23,591 21,361 21,794 28,632    
Net Fee Income CZK mil                                                   6,025 5,984 5,211 5,713 6,121    
Fee Income CZK mil                                                   7,151 7,136 5,210 ... ... ... ...
Fee Expense CZK mil         ... ...     ... ... ... ... ... ... ... ...                   1,126 1,153 ... ... ... ... ...
Other Income CZK mil                                                   3,474 2,998 3,091 3,840 3,879    
Total Revenues CZK mil                                                   32,203 32,573 29,663 31,347 38,632    
Staff Cost CZK mil                                                   7,827 7,780 7,650 7,539 7,734    
Depreciation CZK mil ... ... ... ...                                           1,856 2,458 2,730 2,803 3,023    
Other Cost CZK mil ... ... ... ...                                           4,952 4,693 4,614 4,757 5,257    
Operating Cost CZK mil                                                   14,635 14,931 14,994 15,099 16,014    
Operating Profit CZK mil                                                   17,568 17,642 14,669 16,248 22,618    
Provisions CZK mil                                                   -642 -571 4,578 731 1,181    
Extra and Other Cost CZK mil                                                   -310 -378 -194 -503 -400    
Pre-Tax Profit CZK mil                                                   18,520 18,591 10,285 16,020 21,837    
Tax CZK mil                                                   3,349 3,419 1,985 3,027 3,998    
Minorities CZK mil                                                   325 271 143 265 217    
Net Profit CZK mil                                                   14,846 14,901 8,157 12,992 17,838    
Net Profit Avail. to Common CZK mil                                                   14,846 14,901 8,157 12,727 17,621    
Dividends CZK mil                                                   9,693 0 5,288 4,506 11,483    
growth rates                                                                
Net Interest Income Growth % ...                                                 9.11 3.91 -9.45 2.03 31.4    
Net Fee Income Growth % ...                                                 -6.81 -0.680 -12.9 9.63 7.14    
Total Revenue Growth % ...                                                 3.68 1.15 -8.93 5.68 23.2    
Operating Cost Growth % ...                                                 9.42 2.02 0.422 0.700 6.06    
Operating Profit Growth % ...                                                 -0.662 0.421 -16.9 10.8 39.2    
Pre-Tax Profit Growth % ...                                                 1.28 0.383 -44.7 55.8 36.3    
Net Profit Growth % ...                                                 -0.563 0.370 -45.3 59.3 37.3    
market share                                                                
Market Share in Revenues %                                                   16.9 16.1 16.4 17.0 16.5   ...
Market Share in Net Profit %                                                   18.5 16.6 17.7 18.8 17.7    
Market Share in Employees % ...                                                 20.2 20.1 19.8 19.4 19.0   ...
Market Share in Bank Cards % ... ... ... ... ... ... ...                                     14.1 12.9 12.0 11.5 ... ... ...
Market Share in Debit Cards % ... ... ... ... ... ... ...                                     14.0 12.3 11.5 < 0.001 ... ... ...
Market Share in Credit Cards % ... ... ... ... ... ... ...                                     17.5 17.5 16.2 17.1 ... ... ...
Market Share in Branches % ... ... ...                                             19.8 19.3 26.9 15.2 14.3   ...
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 2024
balance sheet                                                                
Cash & Cash Equivalents CZK mil                                                   24,851 17,744 23,547 29,947 14,190    
Interbank Loans CZK mil                                                   256,268 244,561 262,606 257,196 233,398    
Customer Loans CZK mil                                                   624,954 647,259 679,955 724,587 781,463    
Retail Loans CZK mil ... ... ... ... ... ...                                       313,300 324,800 348,200 372,000 388,800    
Mortgage Loans CZK mil ... ... ... ... ... ...                                       223,900 229,400 245,500 338,700 354,000    
Consumer Loans CZK mil ... ... ... ... ... ...                                       38,700 39,200 38,800 33,300 34,800    
Corporate Loans CZK mil ... ... ... ... ... ...                                       313,900 319,300 372,600 394,900 388,700    
Investments CZK mil                                                   117,760 131,183 158,916 190,923 226,848    
Property and Equipment CZK mil                                                   7,676 10,528 9,758 8,983 8,762    
Intangible Assets CZK mil ... ... ... ... ... ... ...                                     5,248 6,018 6,898 7,878 9,030    
Goodwill CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   3,752 3,752 3,752 3,752 3,752    
Total Assets CZK mil                                                   1,059,932 1,077,334 1,167,131 1,245,134 1,305,304    
                                                                   
Shareholders' Equity CZK mil                                                   103,329 108,635 117,058 127,564 124,676    
Of Which Minority Interest CZK mil                                                   3,398 3,095 3,242 3,273 3,232    
Liabilities CZK mil                                                   956,603 968,699 1,050,073 1,117,570 1,180,628    
Interbank Borrowing CZK mil                                                   92,271 93,581 86,572 83,372 85,176    
Customer Deposits CZK mil                                                   812,451 821,506 906,217 956,929 950,692    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...               338,400 347,600 382,800 415,800 383,800    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...               446,300 462,400 505,000 527,100 533,000    
Sight Deposits CZK mil                                                   722,900 722,900 826,300 719,800 653,500    
Term Deposits CZK mil                                                   61,800 61,800 60,800 237,129 297,192    
Issued Debt Securities CZK mil                                                   5,118 6,167 3,777 16,156 50,850    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ...     ...                   ... ... ... ... 2,578 2,546 2,629 2,490 38,694    
Other Liabilities CZK mil                                                   46,763 47,445 53,507 61,113 93,910    
asset quality                                                                
Non-Performing Loans CZK mil ... ... ... ...     ...                                     17,300 14,000 18,200 18,247 18,388    
Gross Loans CZK mil                                                   637,125 657,395 691,400 738,900 784,900    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ...                         451,052 439,237 450,628 484,400 523,000    
Total Provisions CZK mil                                                   12,171 10,136 11,445 9,408 9,386    
growth rates                                                                
Customer Loan Growth % ...                                                 5.28 3.57 5.05 6.56 7.85    
Retail Loan Growth % ... ... ... ... ... ... ...                                     4.61 3.67 7.20 6.84 4.52    
Mortgage Loan Growth % ... ... ... ... ... ... ...                                     2.28 2.46 7.02 38.0 4.52    
Consumer Loan Growth % ... ... ... ... ... ... ...                                     4.59 1.29 -1.02 -14.2 4.50    
Corporate Loan Growth % ... ... ... ... ... ... ...                                     9.56 1.72 16.7 5.98 -1.57    
Total Asset Growth % ...                                                 5.57 1.64 8.34 6.68 4.83    
Shareholders' Equity Growth % ...                                                 2.97 5.14 7.75 8.98 -2.26    
Customer Deposit Growth % ...                                                 6.61 1.11 10.3 5.60 -0.652    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             7.70 2.72 10.1 8.62 -7.70    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             3.24 3.61 9.21 4.38 1.12    
market share                                                                
Market Share in Customer Loans %                                                   18.9 18.8 18.9 18.8 19.2    
Market Share in Corporate Loans % ... ... ... ... ... ...                                       29.1 28.5 33.2 33.2 31.4    
Market Share in Retail Loans % ... ... ... ... ... ...                                       19.1 18.6 18.7 18.2 18.2    
Market Share in Consumer Loans % ... ... ... ... ... ...                                       9.75 9.44 9.18 7.43 7.42   ...
Market Share in Mortgage Loans % ... ... ... ... ... ...                                       18.0 17.3 17.1 21.2 21.2    
Market Share in Total Assets %                                                   14.6 14.2 14.6 14.6 14.7   ...
Market Share in Customer Deposits %                                                   18.3 17.3 17.6 17.4 16.2    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...               13.2 12.8 12.5 12.7 11.3    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...               42.9 42.2 41.5 40.3 39.0    
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 2024
                                                                 
ROE % ...                                                 14.6 14.1 7.23 10.6 14.1    
ROTE % ... ... ... ... ... ... ... ...                                   15.6 14.8 7.67 11.3 15.2    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                       22.6 22.3 12.2 18.5 23.6    
ROA % ...                                                 1.44 1.39 0.727 1.08 1.40    
Return on Loans %                                                   2.44 2.34 1.23 1.85 2.37    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                       4.01 3.96 3.30 3.48 4.49    
Costs (As % Of Assets) % ...                                                 1.42 1.40 1.34 1.25 1.26    
Costs (As % Of Income) %                                                   45.4 45.8 50.5 48.2 41.5    
Costs (As % Of Loans) % ...                                                 2.40 2.35 2.26 2.15 2.13    
Costs (As % Of Loans & Deposits) % ...                                                 1.05 1.03 0.982 0.924 0.938    
Capital Adequacy Ratio %                   ... ... ... ...                         18.5 19.7 22.3 21.3 19.5    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ...       ...                         17.9 19.1 21.7 20.9 18.9    
Net Interest Margin % ...                                                 2.20 2.21 1.90 1.81 2.25    
Interest Spread % ...                                                 2.08 2.00 1.75 1.68 1.69    
Asset Yield % ...                                                 3.26 4.12 3.25 2.95 7.30    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                       7.36 7.32 6.67 6.71 7.67    
Cost Of Liabilities % ...                                                 1.18 2.12 1.50 1.27 5.61    
Payout Ratio %                                                   65.3 0 64.8 34.7 64.4    
Interest Income (As % Of Revenues) %                                                   70.5 72.4 72.0 69.5 74.1    
Fee Income (As % Of Revenues) %                                                   18.7 18.4 17.6 18.2 15.8    
Other Income (As % Of Revenues) %                                                   10.8 9.20 10.4 12.2 10.0    
Staff Cost (As % Of Total Cost) %                                                   53.5 52.1 51.0 49.9 48.3    
Equity (As % Of Assets) %                                                   9.75 10.1 10.0 10.2 9.55    
Equity (As % Of Loans) %                                                   16.5 16.8 17.2 17.6 16.0    
Loans (As % Of Deposits) %                                                   76.9 78.8 75.0 75.7 82.2    
Loans (As % Assets) %                                                   59.0 60.1 58.3 58.2 59.9    
NPLs (As % Of Loans) % ... ... ... ...     ...                                     2.72 2.13 2.63 2.47 2.34    
Provisions (As % Of NPLs) % ... ... ... ...     ...                                     70.4 72.4 62.9 51.6 51.0    
Provisions (As % Of Loans) %                                                   1.95 1.57 1.68 1.30 1.20    
Cost of Provisions (As % Of Loans) % ...                                                 -0.105 -0.090 0.690 0.104 0.157    
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 2024
                                                                 
Branches ... ... ...                                             388 366 452 242 218    
ATMs ... ... ...                                             776 796 809 860 850    
ATMs (As % of Bank Branches) % ... ... ...                                             200 217 179 355 390    
Employees                                                   8,454 8,351 8,062 7,687 7,503    
Employees Per Bank Branch ... ... ...                                             21.8 22.8 17.8 31.8 34.4    
Cost Per Employee USD per month                                                   3,526 3,444 3,594 3,772 3,855    
Cost Per Employee (Local Currency) CZK per month                                                   77,153 77,635 79,075 81,731 85,904    
Employee Turnover % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     16.0 15.8 ... ... ... ... ...
Women (As % of Workforce) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       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 2024
                                                                 
Customers mil ... ... ... ... ... ... ...                                     1.67 1.66 1.64 1.63 1.65    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     1.46 1.42 1.44 ... ... ... ...
Payment Cards mil ... ... ... ... ... ... ...                                     1.67 1.68 1.65 1.66 1.72    
Debit Cards mil ... ... ... ... ... ... ...                                     1.39 1.40 1.41 1.42 1.47    
Credit Cards mil ... ... ... ... ... ... ...                                     0.282 0.274 0.242 0.239 0.244    
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           0.154 0.159 0.170 ... ... ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           1,451,000 1,444,000 1,444,000 ... ... ... ...
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                     87.2 85.5 87.9 ... ... ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           9.25 9.55 10.4 ... ... ... ...
Payments Cards (As % of Total Clients) % ... ... ... ... ... ... ...                                     100 101 100 102 104    
Debit Cards (As % of Total Clients) % ... ... ... ... ... ... ...                                     83.2 84.3 85.7 87.4 89.2    
Credit Cards (As % of Total Clients) % ... ... ... ... ... ... ...                                     16.9 16.5 14.7 14.7 14.8    
                                                                   
Market Value per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                     95,876 94,049 75,276 108,665 72,361    
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                     19,306 19,575 18,076 19,290 23,385    
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                     8,900 8,955 4,971 7,995 10,798    
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                     374,673 388,978 414,354 445,900 473,041    
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                     487,081 493,694 552,235 588,879 575,479    
Market Value per Customer USD ... ... ... ... ... ... ...                                     4,268 4,158 3,520 4,950 3,200    
Revenue per Customer USD ... ... ... ... ... ... ...                                     882 868 821 890 1,049    
Net Profit per Customer USD ... ... ... ... ... ... ...                                     407 397 226 369 485    
Loan per Customer USD ... ... ... ... ... ... ...                                     16,677 17,195 19,374 20,313 20,916    
Deposit per Customer USD ... ... ... ... ... ... ...                                     21,681 21,825 25,821 26,827 25,446    

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Comparison of 21 Companies within Czech Banks
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KB's net profit rose 48.1% yoy to CZK 4,236 mil in 1Q2025

By Helgi Library - May 23, 2025

Komercni Banka made a net profit of CZK 4,236 mil under revenues of CZK 9,135 mil in the first quarter of 2025, up 48.1% and 3.55% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 6,1...

KB's branches fell 2.86% yoy to 204 in 1Q2025

By Helgi Library - May 23, 2025

Komercni Banka employed 7,236 persons in 2025-03-31, down 2.95% 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 7,236 in 2025-03-31. The bank operated a network of ...

KB's mortgage loans rose 6.08% yoy to CZK 350,900 mil in 3Q2022

By Helgi Library - May 23, 2025

Komercni Banka's mortgage loans reached CZK 350,900 mil in 3Q2022, up 0.920% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,657 bil in 3Q2022, up 1.13% when compared to the last year. Komercni Banka accounted for 21.2...

KB's net interest margin rose 2.34% yoy to 1.64% in 1Q2025

By Helgi Library - May 23, 2025

Komercni Banka's net interest margin amounted to 1.64% in the first quarter of 2025, down from 1.65% 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 1...

KB's employees fell 4.25% yoy to 7,236 in 1Q2025

By Helgi Library - May 23, 2025

Komercni Banka employed 7,236 persons in 2025-03-31, down 2.95% 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 7,236 in 2025-03-31. Average cost reached USD 4,335 p...

Komercni Banka - Market Share in Bank Loans

By Helgi Library - March 11, 2025

Komercni Banka's customer loans reached CZK 846,394 mil in 2024-09-30, up 1.74% compared to the previous year. Czech banking sector provided customer loans of CZK 4,524 bil in 2024-09-30, up 1.44% when compared to the last year. Komercni Banka accounted f...

Komercni Banka - Market Share in Retail Loans

By Helgi Library - March 11, 2025

Komercni Banka's retail loans reached CZK 419,600 mil in the third quarter of 2024, up 1.04% compared to the previous year. Czech banking sector provided retail loans of CZK 2,333 bil in 3Q2024, up 1.52% when compared to the last year. Komercni Banka acco...

Komercni Banka - Market Share in Retail Deposits

By Helgi Library - March 11, 2025

Komercni Banka's retail deposits reached CZK 387,800 mil in 2024-09-30, down 0.768% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,846 bil in 2024-09-30, up 1.05% when compared to the last year. Komercni Banka accoun...

KB's payment cards rose 4.42% yoy to 1.82 mil in 2Q2024

By Helgi Library - March 11, 2025

Komercni Banka has issued total of 1.82 mil payment cards at the end of 2024-06-30, up 2.54% compared to the previous year. Czech banking sector banking sector issued total of 15.6 mil of bank cards in 2024-06-30, up 2.38% when compared to the last yea...

KB's corporate loans rose 2.36% yoy to CZK 424,800 mil in 1Q2025

By Helgi Library - May 23, 2025

Komercni Banka's loans reached CZK 849,300 mil in the first quarter of 2025, up from CZK 848,300 mil when compared to the previous quarter and up from CZK 825,500 mil when compared to the same period of last year. Historically, the bank’s loans reac...

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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).

Finance

Komercni Banka has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached at the end of 2024. The company achieved an average return on equity of % in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached in 2024, compared to % average in the last three years.

Equity represented of total assets or of loans at the end of 2024. Komercni Banka's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2024.

Valuation

Komercni Banka stock traded at per share at the end of 2024 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 % the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of x in 2024.

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