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...
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...
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...
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 |
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 |
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 | ... | ... |
Get all company financials in excel:
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...
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...
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 ...
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 ...
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 ...
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 ...
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...
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...
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...
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. ...
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 1.69% 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.
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.