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Home » Companies » Banking in Czechia » Komercni Banka

Komercni Banka

KB's employees rose 0.351% yoy to 7,549 in 2Q2023

By Helgi Library - August 3, 2023

Komercni Banka employed 7,549 persons in 2023-06-30, up 0.109% when compared to the previous year. Historically, the bank's work...

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

By Helgi Library - August 3, 2023

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

KB's customer deposits rose 2.44% yoy to CZK 1,120,532 mil in 3Q2022

By Helgi Library - August 3, 2023

Komercni Banka's customer deposits reached CZK 1,120,532 mil in 2022-09-30, up 1.53% compared to the previous year. Czech banki...

Annual Quarterly
Profit Statement 2020 2021 2022
Net Interest Income CZK mil 21,361 21,794 28,632
Net Fee Income CZK mil 5,211 5,713 6,121
Other Income CZK mil 3,091 3,840 3,879
Total Revenues CZK mil 29,663 31,347 38,632
Staff Cost CZK mil 7,650 7,539 7,734
Operating Profit CZK mil 14,669 16,248 22,618
Provisions CZK mil 4,578 731 1,181
Net Profit CZK mil 8,157 12,992 17,839
Balance Sheet 2020 2021 2022
Interbank Loans CZK mil 262,606 257,196 233,398
Customer Loans CZK mil 679,955 724,587 781,463
Investments CZK mil 158,916 190,923 226,848
Total Assets CZK mil 1,167,130 1,245,130 1,305,300
Shareholders' Equity CZK mil 117,058 127,564 124,676
Interbank Borrowing CZK mil 86,572 83,372 85,176
Customer Deposits CZK mil 906,217 956,929 950,692
Issued Debt Securities CZK mil 3,777 16,156 50,850
Ratios 2020 2021 2022
ROE % 7.23 10.6 14.1
ROA % 0.727 1.08 1.40
Costs (As % Of Assets) % 1.34 1.25 1.26
Costs (As % Of Income) % 50.5 48.2 41.5
Capital Adequacy Ratio % 22.3 21.3 19.5
Net Interest Margin % 1.90 1.81 2.25
Loans (As % Of Deposits) % 75.0 75.7 82.2
NPLs (As % Of Loans) % 2.63 2.47 2.34
Provisions (As % Of NPLs) % 62.9 51.6 51.0
Valuation 2020 2021 2022
Market Capitalisation USD mil 5,776 ... ...
Number Of Shares mil 190 189 189
Share Price CZK 657 935 655
Price/Earnings (P/E) 15.2 13.6 6.93
Price/Book Value (P/BV) 1.06 1.38 0.992
Dividend Yield % 4.26 2.55 9.22
Earnings Per Share (EPS) CZK 43.2 68.8 94.5
Book Value Per Share CZK 617 675 660
Dividend Per Share CZK 28.0 23.9 60.4

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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
income statement                                                            
Net Interest Income CZK mil                                               21,069 20,808 22,704 23,591 21,361    
Total Revenues CZK mil                                               31,753 31,060 32,203 32,573 29,663    
Operating Profit CZK mil                                               17,726 17,685 17,568 17,642 14,669    
Net Profit CZK mil                                               13,689 14,930 14,846 14,901 8,157    
balance sheet                                                            
Interbank Loans CZK mil                                               51,771 222,821 256,268 244,561 262,606    
Customer Loans CZK mil                                               580,198 593,639 624,954 647,259 679,955    
Investments CZK mil                                               134,591 108,468 117,760 131,183 158,916    
Total Assets CZK mil                                               922,737 1,004,040 1,059,930 1,077,330 1,167,130    
                                                               
Shareholders' Equity CZK mil                                               105,401 100,346 103,329 108,635 117,058    
Interbank Borrowing CZK mil                                               54,125 84,051 109,162 93,581 86,572    
Customer Deposits CZK mil                                               699,377 762,043 795,560 821,506 906,217    
Issued Debt Securities CZK mil                                               13,423 7,392 5,118 6,167 3,777    
ratios                                                            
ROE % ...                                             12.9 14.5 14.6 14.1 7.23    
ROA % ...                                             1.51 1.55 1.44 1.39 0.727    
Costs (As % Of Assets) % ...                                             1.55 1.39 1.42 1.40 1.34    
Costs (As % Of Income) %                                               44.2 43.1 45.4 45.8 50.5    
Capital Adequacy Ratio %                   ... ... ... ...                     16.2 18.6 18.5 19.7 22.3    
Net Interest Margin % ...                                             2.32 2.16 2.20 2.21 1.90    
Interest Income (As % Of Revenues) %                                               66.4 67.0 70.5 72.4 72.0    
Fee Income (As % Of Revenues) %                                               21.0 20.8 18.7 18.4 17.6    
Staff Cost (As % Of Total Cost) %                                               50.1 54.7 53.5 52.1 51.0    
Equity (As % Of Assets) %                                               11.4 9.99 9.75 10.1 10.0    
Loans (As % Of Deposits) %                                               83.0 77.9 78.6 78.8 75.0    
Loans (As % Assets) %                                               62.9 59.1 59.0 60.1 58.3    
NPLs (As % Of Loans) % ... ... ... ...     ...                                 2.50 3.04 2.72 2.13 2.63    
Provisions (As % Of NPLs) % ... ... ... ...     ...                                 105 68.5 70.4 72.4 62.9    
valuation                                                            
Market Capitalisation USD mil ... ...                                           6,523 8,135 7,118 6,918 5,776 ... ...
Number Of Shares mil ... ... ... ... ... ... ... ... ... ... ...                         189 189 189 189 190    
Share Price CZK ... ...                                           885 915 847 830 657    
Earnings Per Share (EPS) CZK ... ... ... ... ... ... ... ... ... ... ...                         72.4 76.1 78.6 78.1 43.2    
Book Value Per Share CZK ... ... ... ... ... ... ... ... ... ... ...                         558 531 547 575 617    
Dividend Per Share CZK ... ...                                           40.0 47.0 51.0 0 28.0    
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ...                         12.2 12.0 10.8 10.6 15.2    
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ...                         1.59 1.72 1.55 1.44 1.06    
Dividend Yield % ... ...                                           4.52 5.14 6.02 0 4.26    
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ...                       4.24 5.12 3.24 -0.583 -44.7    
Book Value Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ...                       -0.777 -4.80 2.97 5.14 7.29    
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
income statement                                                            
Interest Income CZK mil                                               26,757 26,647 33,643 44,006 36,486    
Interest Cost CZK mil                                               5,692 5,843 10,939 20,415 15,125    
Net Interest Income CZK mil                                               21,069 20,808 22,704 23,591 21,361    
Net Fee Income CZK mil                                               6,683 6,465 6,025 5,984 5,211    
Fee Income CZK mil                                               7,914 7,450 7,151 7,136 5,210 ... ...
Fee Expense CZK mil         ... ...     ... ... ... ... ... ... ... ...               1,231 1,166 1,126 1,153 ... ... ...
Other Income CZK mil                                               4,001 3,787 3,474 2,998 3,091    
Total Revenues CZK mil                                               31,753 31,060 32,203 32,573 29,663    
Staff Cost CZK mil                                               7,029 7,321 7,827 7,780 7,650    
Depreciation CZK mil ... ... ... ...                                       1,744 786 1,856 2,458 2,730    
Other Cost CZK mil ... ... ... ...                                       5,254 5,268 4,952 4,693 4,614    
Operating Cost CZK mil                                               14,027 13,375 14,635 14,931 14,994    
Operating Profit CZK mil                                               17,726 17,685 17,568 17,642 14,669    
Provisions CZK mil                                               1,817 -391 -642 -571 4,578    
Extra and Other Cost CZK mil                                               -964 -210 -310 -378 -194    
Pre-Tax Profit CZK mil                                               16,873 18,286 18,520 18,591 10,285    
Tax CZK mil                                               2,799 3,012 3,349 3,419 1,985    
Minorities CZK mil                                               386 344 325 271 143    
Net Profit CZK mil                                               13,689 14,930 14,846 14,901 8,157    
Net Profit Avail. to Common CZK mil                                               13,689 14,930 14,846 14,901 8,157    
Dividends CZK mil                                               7,602 8,932 9,693 0 5,288    
growth rates                                                            
Net Interest Income Growth % ...                                             -1.35 -1.24 9.11 3.91 -9.45    
Net Fee Income Growth % ...                                             -4.09 -3.26 -6.81 -0.680 -12.9    
Total Revenue Growth % ...                                             2.28 -2.18 3.68 1.15 -8.93    
Operating Cost Growth % ...                                             -2.26 -4.65 9.42 2.02 0.422    
Operating Profit Growth % ...                                             6.19 -0.231 -0.662 0.421 -16.9    
Pre-Tax Profit Growth % ...                                             6.99 8.37 1.28 0.383 -44.7    
Net Profit Growth % ...                                             7.29 9.07 -0.563 0.370 -45.3    
market share                                                            
Market Share in Revenues %                                               17.6 17.3 16.9 16.1 16.4    
Market Share in Net Profit %                                               18.5 19.8 18.2 16.4 17.2    
Market Share in Employees % ...                                             21.0 20.8 20.2 20.1 19.8    
Market Share in Bank Cards % ... ... ... ... ... ... ...                                 14.1 15.0 14.1 12.9 12.0 ... ...
Market Share in Debit Cards % ... ... ... ... ... ... ...                                 15.2 15.5 14.0 12.3 11.5 ... ...
Market Share in Credit Cards % ... ... ... ... ... ... ...                                 10.4 15.4 17.5 17.5 16.2 ... ...
Market Share in Branches % ... ... ...                                         19.8 20.6 19.8 19.3 26.9    
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
balance sheet                                                            
Cash & Cash Equivalents CZK mil                                               112,241 32,663 24,851 17,744 23,547    
Interbank Loans CZK mil                                               51,771 222,821 256,268 244,561 262,606    
Customer Loans CZK mil                                               580,198 593,639 624,954 647,259 679,955    
Retail Loans CZK mil ... ... ... ... ... ...                                   281,800 299,500 313,300 324,800 348,200    
Mortgage Loans CZK mil ... ... ... ... ... ...                                   207,800 218,900 223,900 229,400 245,500    
Consumer Loans CZK mil ... ... ... ... ... ...                                   35,200 37,000 38,700 39,200 38,800    
Corporate Loans CZK mil ... ... ... ... ... ...                                   286,270 286,502 313,900 319,300 372,600    
Investments CZK mil                                               134,591 108,468 117,760 131,183 158,916    
Property and Equipment CZK mil                                               6,666 7,404 7,676 10,528 9,758    
Intangible Assets CZK mil ... ... ... ... ... ... ...                                 7,638 8,436 9,001 9,770 10,650    
Goodwill CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...               3,752 3,752 3,752 3,752 3,752    
Total Assets CZK mil                                               922,737 1,004,040 1,059,930 1,077,330 1,167,130    
                                                               
Shareholders' Equity CZK mil                                               105,401 100,346 103,329 108,635 117,058    
Of Which Minority Interest CZK mil                                               3,831 3,797 3,398 3,095 3,242    
Liabilities CZK mil                                               817,336 903,693 956,603 968,699 1,050,070    
Interbank Borrowing CZK mil                                               54,125 84,051 109,162 93,581 86,572    
Customer Deposits CZK mil                                               699,377 762,043 795,560 821,506 906,217    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           294,200 314,200 338,400 347,600 382,800    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           394,500 432,300 446,300 462,400 505,000    
Sight Deposits CZK mil                                               496,353 556,897 722,900 722,900 826,300    
Term Deposits CZK mil                                               190,460 191,602 61,800 61,800 60,800    
Issued Debt Securities CZK mil                                               13,423 7,392 5,118 6,167 3,777    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ...     ...                   ... ... ... ... ... 2,546 2,629    
Other Liabilities CZK mil                                               50,411 50,207 46,763 47,445 53,507    
asset quality                                                            
Non-Performing Loans CZK mil ... ... ... ...     ...                                 14,885 18,600 17,300 14,000 18,200    
Gross Loans CZK mil                                               595,781 610,849 637,125 657,395 691,400    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ...                     442,866 424,565 451,052 439,237 450,628    
Total Provisions CZK mil                                               15,583 12,747 12,171 10,136 11,445    
growth rates                                                            
Customer Loan Growth % ...                                             8.93 2.32 5.28 3.57 5.05    
Retail Loan Growth % ... ... ... ... ... ... ...                                 11.6 6.28 4.61 3.67 7.20    
Mortgage Loan Growth % ... ... ... ... ... ... ...                                 12.3 5.34 2.28 2.46 7.02    
Consumer Loan Growth % ... ... ... ... ... ... ...                                 15.0 5.11 4.59 1.29 -1.02    
Corporate Loan Growth % ... ... ... ... ... ... ...                                 9.30 0.081 9.56 1.72 16.7    
Total Asset Growth % ...                                             3.50 8.81 5.57 1.64 8.34    
Shareholders' Equity Growth % ...                                             -0.779 -4.80 2.97 5.14 7.75    
Customer Deposit Growth % ...                                             6.57 8.96 4.40 3.26 10.3    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         49.0 6.80 7.70 2.72 10.1    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         2.47 9.58 3.24 3.61 9.21    
market share                                                            
Market Share in Customer Loans %                                               19.7 19.2 18.9 18.8 18.9    
Market Share in Corporate Loans % ... ... ... ... ... ...                                   29.3 28.0 29.1 28.5 33.2    
Market Share in Retail Loans % ... ... ... ... ... ...                                   19.9 19.6 19.1 18.6 18.7    
Market Share in Consumer Loans % ... ... ... ... ... ...                                   9.60 9.69 9.68 9.44 9.18    
Market Share in Mortgage Loans % ... ... ... ... ... ...                                   19.7 19.1 18.0 17.3 17.1    
Market Share in Total Assets %                                               15.5 14.3 14.6 14.2 14.6    
Market Share in Customer Deposits %                                               18.6 18.3 17.9 17.3 17.6    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           13.3 13.3 13.2 12.8 12.5    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           43.1 43.4 42.9 42.2 41.5    
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
                                                             
ROE % ...                                             12.9 14.5 14.6 14.1 7.23    
ROTE % ... ... ... ... ... ... ... ...                               13.9 15.7 15.9 15.4 7.95    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   21.5 22.9 22.6 22.3 12.2    
ROA % ...                                             1.51 1.55 1.44 1.39 0.727    
Return on Loans % ...                                             2.46 2.54 2.44 2.34 1.23    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   4.17 4.08 4.01 3.96 3.30    
Costs (As % Of Assets) % ...                                             1.55 1.39 1.42 1.40 1.34    
Costs (As % Of Income) %                                               44.2 43.1 45.4 45.8 50.5    
Costs (As % Of Loans) % ...                                             2.52 2.28 2.40 2.35 2.26    
Costs (As % Of Loans & Deposits) % ...                                             1.14 1.02 1.05 1.03 0.982    
Capital Adequacy Ratio %                   ... ... ... ...                     16.2 18.6 18.5 19.7 22.3    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ...       ...                     16.2 18.0 17.9 19.1 21.7    
Net Interest Margin % ...                                             2.32 2.16 2.20 2.21 1.90    
Interest Spread % ...                                             2.24 2.09 2.08 2.00 1.75    
Asset Yield % ...                                             2.95 2.77 3.26 4.12 3.25    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                   7.47 7.16 7.36 7.32 6.67    
Cost Of Liabilities % ...                                             0.710 0.679 1.18 2.12 1.50    
Payout Ratio %                                               55.5 59.8 65.3 0 64.8    
Interest Income (As % Of Revenues) %                                               66.4 67.0 70.5 72.4 72.0    
Fee Income (As % Of Revenues) %                                               21.0 20.8 18.7 18.4 17.6    
Other Income (As % Of Revenues) %                                               12.6 12.2 10.8 9.20 10.4    
Staff Cost (As % Of Total Cost) %                                               50.1 54.7 53.5 52.1 51.0    
Equity (As % Of Assets) %                                               11.4 9.99 9.75 10.1 10.0    
Equity (As % Of Loans) %                                               18.2 16.9 16.5 16.8 17.2    
Loans (As % Of Deposits) %                                               83.0 77.9 78.6 78.8 75.0    
Loans (As % Assets) %                                               62.9 59.1 59.0 60.1 58.3    
NPLs (As % Of Loans) % ... ... ... ...     ...                                 2.50 3.04 2.72 2.13 2.63    
Provisions (As % Of NPLs) % ... ... ... ...     ...                                 105 68.5 70.4 72.4 62.9    
Provisions (As % Of Loans) %                                               2.69 2.15 1.95 1.57 1.68    
Cost of Provisions (As % Of Loans) % ...                                             0.327 -0.067 -0.105 -0.090 0.690    
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
                                                             
Branches ... ... ...                                         406 401 388 366 452    
ATMs ... ... ...                                         768 764 776 796 809    
ATMs (As % of Bank Branches) % ... ... ...                                         189 191 200 217 179    
Employees                                               8,615 8,696 8,454 8,351 8,062    
Employees Per Bank Branch ... ... ...                                         21.2 21.7 21.8 22.8 17.8    
Cost Per Employee USD per month                                               2,695 2,990 3,526 3,444 3,594 ... ...
Cost Per Employee (Local Currency) CZK per month                                               67,992 70,157 77,153 77,635 79,075    
Employee Turnover % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 13.5 13.0 16.0 15.8 ... ... ...
Women (As % of Workforce) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   67.0 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
                                                             
Customers mil ... ... ... ... ... ... ...                                 1.65 1.66 1.67 1.66 1.64    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 1.39 1.42 1.46 1.42 1.44 ... ...
Payment Cards mil ... ... ... ... ... ... ...                                 1.60 1.69 1.67 1.68 1.65    
Debit Cards mil ... ... ... ... ... ... ...                                 1.40 1.40 1.39 1.40 1.41    
Credit Cards mil ... ... ... ... ... ... ...                                 0.194 0.294 0.282 0.274 0.242    
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       0.154 0.157 0.154 0.159 0.170 ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1,352,000 1,393,000 1,451,000 1,444,000 1,444,000 ... ...
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 83.9 85.5 87.2 85.5 87.9 ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       9.29 9.44 9.25 9.55 10.4 ... ...
Payments Cards (As % of Total Clients) % ... ... ... ... ... ... ...                                 96.4 102 100 101 100    
Debit Cards (As % of Total Clients) % ... ... ... ... ... ... ...                                 84.7 84.1 83.2 84.3 85.7    
Credit Cards (As % of Total Clients) % ... ... ... ... ... ... ...                                 11.7 17.7 16.9 16.5 14.7    
                                                               
Market Value per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                 101,116 104,083 95,876 94,049 75,276 ... ...
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                 19,198 18,666 19,306 19,575 18,076    
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                 8,276 8,972 8,900 8,955 4,971    
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                 350,785 356,754 374,673 388,978 414,354    
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ...                                 422,840 457,959 476,954 493,694 552,235    
Market Value per Customer USD ... ... ... ... ... ... ...                                 3,944 4,889 4,268 4,158 3,520 ... ...
Revenue per Customer USD ... ... ... ... ... ... ...                                 761 795 882 868 821 ... ...
Net Profit per Customer USD ... ... ... ... ... ... ...                                 328 382 407 397 226 ... ...
Loan per Customer USD ... ... ... ... ... ... ...                                 13,682 16,756 16,677 17,195 19,374 ... ...
Deposit per Customer USD ... ... ... ... ... ... ...                                 16,492 21,510 21,230 21,825 25,821 ... ...

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KB's net profit fell 5.60% yoy to CZK 4,582 mil in 2Q2023

By Helgi Library - August 3, 2023

Komercni Banka made a net profit of CZK 4,582 mil in the second quarter of 2023, down 5.6% when compared to the same period of last year. This implies a return on equity of 14.7%. Historically, the bank’s net profit reached an all time high of CZK 4,854 mil in 2Q...

KB's net profit fell 5.60% yoy to CZK 4,582 mil in 2Q2023

By Helgi Library - August 3, 2023

Komercni Banka made a net profit of CZK 4,582 mil under revenues of CZK 9,142 mil in the second quarter of 2023, down 5.6% and 5.66% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 4...

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

By Helgi Library - August 3, 2023

Komercni Banka's mortgage loans reached CZK 350,900 mil in 2022-09-30, up 0.920% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,657 bil in 2022-09-30, up 1.13% when compared to the last year. Komercni Banka accounted ...

KB's branches fell 1.38% yoy to 215 in 2Q2023

By Helgi Library - August 3, 2023

Komercni Banka employed 7,549 persons in 2023-06-30, up 0.109% compared to the previous year. Historically, the bank's workforce hit an all time high of 8,988 persons in 2008-09-30 and an all time low of 7,496 in 2022-09-30. The bank operated a network of ...

Three Largest Mortgage Lenders in Czechia

By Helgi Library - August 10, 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 ...

KB's net interest margin fell 11.8% yoy to 1.78% in 2Q2023

By Helgi Library - August 3, 2023

Komercni Banka's net interest margin amounted to 1.78% in the second quarter of 2023, down from 1.86% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.20% in 4Q2009 and an all time low of ...

KB's customer loans rose 9.40% yoy to CZK 776,560 mil in 3Q2022

By Helgi Library - August 3, 2023

Komercni Banka's customer loans reached CZK 776,560 mil in 2022-09-30, up 2.51% compared to the previous year. Czech banking sector provided customer loans of CZK 4,064 bil in 2022-09-30, up 2.69% when compared to the last year. Komercni Banka accounted f...

KB's corporate loans rose 2.99% yoy to CZK 427,600 mil in 2Q2023

By Helgi Library - August 3, 2023

Komercni Banka's loans reached in the first quarter of 1970, down from when compared to the previous quarter and down from when compared to the same period of last year. Historically, the bank’s loans reached an all time high of CZK mil in 1...

KB's corporate deposits rose 0.538% yoy to CZK 616,900 mil in 3Q2022

By Helgi Library - August 3, 2023

Komercni Banka's corporate deposits reached CZK 616,900 mil in 2022-09-30, up 0.784% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,408 bil in 2022-09-30, up 6.41% when compared to the last year. Komercni Banka ac...

KB's capital adequacy ratio fell 1.48% yoy to 20.0% in 2Q2023

By Helgi Library - August 3, 2023

Komercni Banka's capital adequacy ratio reached 20.0% at the end of second quarter of 2023, up from 19.8% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 23.2% in 2Q2021 and an all time low of 9.79% in 1Q2008. ...

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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).

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Finance

Komercni Banka has been growing its revenues and asset by 1.69% and 5.19% a year on average in the last 10 years. Its loans and deposits have grown by 5.64% and 5.08% a year during that time and loans to deposits ratio reached 82.2% at the end of 2022. The company achieved an average return on equity of 12.6% in the last decade with net profit growing 2.28% a year on average. In terms of operating efficiency, its cost to income ratio reached 41.5% in 2022, compared to 45.0% average in the last decade.

Equity represented 9.55% of total assets or 16.0% of loans at the end of 2022. Komercni Banka's non-performing loans were 2.34% of total loans while provisions covered some 51.0% of NPLs at the end of 2022.

Valuation

Komercni Banka stock traded at per share at the end of 2022 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 10.7% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 6.93x and price to book value (PBV) of 0.992x in 2022.

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