By Helgi Library - February 16, 2024
Komercni Banka's customer deposits reached CZK 1,124,553 mil in 2023-09-30, up 3.01% compared to the previous year. Czech banki...
By Helgi Library - February 16, 2024
Komercni Banka's mortgage loans reached CZK 368,900 mil in 4Q2023, up 1.32% compared to the previous year. Czech banking sector...
By Helgi Library - February 16, 2024
Komercni Banka employed 7,551 persons in 2023-12-31, up 0.143% compared to the previous year. Historically, the bank's workforce...
| 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 - February 16, 2024
Komercni Banka's net interest margin amounted to 1.66% in the fourth quarter of 2023, down from 1.75% 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 - February 16, 2024
Komercni Banka employed 7,551 persons in 2023-12-31, up 0.143% 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 4,116 pe...
By Helgi Library - February 16, 2024
Komercni Banka generated total banking revenues of CZK 8,899 mil in 2023-09-30, down 2.66% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 57,158 mil in 2023-09-30, down 14.8% when compared to the las...
By Helgi Library - February 16, 2024
Komercni Banka's customer loans reached CZK 810,314 mil in 2023-09-30, up 1.55% compared to the previous year. Czech banking sector provided customer loans of CZK 4,290 in 2023-09-30, up 1.99% when compared to the last year. Komercni Banka accounted for 1...
By Helgi Library - September 29, 2023
Mortgage loans grew 6.80% yoy in the last 12 months and were up 1.13% qoq in the last quarter. At the end of September, mortgages formed 40.8% of total loans and 23.5% of GDP. Overall, CSOB was the largest mortgage lender with 30.4% of the ...
By Helgi Library - February 16, 2024
Komercni Banka's loans reached CZK 827,700 mil in the fourth quarter of 2023, up from CZK 808,300 mil when compared to the previous quarter and up from CZK 784,900 mil when compared to the same period of last year. Historically, the bank’s loans rea...
By Helgi Library - February 16, 2024
Komercni Banka's corporate deposits reached CZK 640,700 mil in 2023-09-30, up 3.82% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,424 bil in 2023-09-30, down 5.28% when compared to the last year. Komercni Banka a...
By Helgi Library - February 16, 2024
Komercni Banka's retail loans reached CZK 401,100 mil in the third quarter of 2023, up 1.13% compared to the previous year. Czech banking sector provided retail loans of CZK 2,222 bil in 3Q2023, up 0.843% when compared to the last year. Komercni Banka acc...
By Helgi Library - February 16, 2024
Komercni Banka's retail deposits reached CZK 381,800 mil in 2023-09-30, up 1.09% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,578 bil in 2023-09-30, up 1.85% when compared to the last year. Komercni Banka accounted...
By Helgi Library - February 16, 2024
Komercni Banka made a net profit of CZK 3,288 mil in the fourth quarter of 2023, down 30% when compared to the same period of last year. This implies a return on equity of 10.4%. Historically, the bank’s net profit reached an all time high of CZK 4,854 mil in 2Q2...
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.
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