By Helgi Analytics - November 05, 2019
Komercni Banka employed 8,144 persons in 2019-06-30, down 0.282% compared to the previous year. Historically, the bank's workfor...
By Helgi Analytics - November 05, 2019
Komercni Banka's customer deposits reached CZK 892,997 mil in 2019-06-30, up 4.25% compared to the previous year. Czech banking...
By Helgi Analytics - November 05, 2019
Komercni Banka employed 8,144 persons in 2019-06-30, down 0.282% when compared to the previous year. Historically, the bank's wo...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | CZK mil | 21,069 | 20,808 | 22,705 |
| Fee Income (As % Of Revenues) | % | 21.0 | 20.8 | 18.7 |
| Other Income | CZK mil | 4,001 | 3,787 | 3,474 |
| Total Revenues | CZK mil | 31,753 | 31,060 | 32,203 |
| Staff Cost | CZK mil | 7,029 | 7,321 | 7,826 |
| Operating Profit | CZK mil | 17,726 | 17,685 | 17,569 |
| Provisions | CZK mil | 1,817 | -391 | -643 |
| Net Profit | CZK mil | 13,689 | 14,930 | 14,846 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | CZK mil | 51,771 | 228,373 | 256,268 |
| Customer Loans | CZK mil | 580,198 | 598,102 | 622,946 |
| Debt Securities | CZK mil | 134,591 | 108,468 | 107,062 |
| Total Assets | CZK mil | 922,737 | 1,004,040 | 1,059,930 |
| Shareholders' Equity | CZK mil | 105,401 | 100,346 | 103,329 |
| Interbank Borrowing | CZK mil | 54,124 | 84,050 | 92,271 |
| Customer Deposits | CZK mil | 699,377 | 762,043 | 812,451 |
| Issued Debt Securities | CZK mil | 13,423 | 26,697 | 5,118 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 12.9 | 14.5 | 14.6 |
| ROA | % | 1.51 | 1.55 | 1.44 |
| Costs (As % Of Assets) | % | 1.55 | 1.39 | 1.42 |
| Costs (As % Of Income) | % | 44.2 | 43.1 | 45.4 |
| Capital Adequacy Ratio | % | 16.2 | 18.6 | 18.5 |
| Net Interest Margin | % | 2.32 | 2.16 | 2.20 |
| Loans (As % Of Deposits) | % | 83.0 | 78.5 | 76.7 |
| NPLs (As % Of Loans) | % | 3.80 | 3.06 | 2.71 |
| Provisions (As % Of NPLs) | % | 67.2 | 61.7 | 59.4 |
| Valuation | 2016 | 2017 | 2018 | |
| Market Capitalisation (End Of Period) | USD mil | 6,519 | 8,155 | 7,165 |
| Share Price (End Of Period) | CZK | 885 | 915 | 847 |
| Price/Earnings (P/E) | 12.2 | 11.6 | 10.8 | |
| Price/Book Value (P/BV) | 1.59 | 1.73 | 1.56 | |
| Dividend Yield | % | 4.55 | 5.12 | 6.02 |
| Earnings Per Share (EPS) | CZK | 72.5 | 78.6 | 78.1 |
| Book Value Per Share | CZK | 558 | 528 | 544 |
| Dividend Per Share | CZK | 40.2 | 46.8 | 51.0 |
Get all company financials in excel:
| summary | Unit | 1990 | 1991 | 1992 | 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 |
| income statement | ||||||||||||||||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | 21,969 | 21,204 | 21,423 | 21,357 | 21,069 | ||||||||||||||||||
| Total Revenues | CZK mil | ... | ... | ... | ... | ... | ... | 32,663 | 30,891 | 30,676 | 31,044 | 31,753 | ||||||||||||||||||
| Operating Profit | CZK mil | ... | ... | ... | ... | ... | ... | 19,179 | 17,743 | 17,612 | 16,692 | 17,726 | ||||||||||||||||||
| Net Profit | CZK mil | ... | ... | ... | ... | ... | ... | 14,233 | 12,906 | 12,954 | 12,759 | 13,689 | ||||||||||||||||||
| balance sheet | ||||||||||||||||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 64,111 | 125,735 | 59,698 | 47,799 | 51,771 | |||||||||||||||||
| Customer Loans | CZK mil | ... | ... | ... | ... | ... | ... | 451,547 | 473,090 | 494,706 | 532,617 | 580,198 | ||||||||||||||||||
| Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 196,706 | 182,533 | 195,927 | 138,145 | 134,591 | ||||||||||||||||
| Total Assets | CZK mil | ... | ... | ... | ... | ... | ... | 786,836 | 863,980 | 953,261 | 891,555 | 922,737 | ||||||||||||||||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | ... | ... | 103,307 | 96,538 | 109,494 | 106,228 | 105,401 | ||||||||||||||||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | ... | ... | ... | 38,901 | 49,680 | 61,360 | 56,230 | 54,124 | |||||||||||||||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | ... | ... | 579,067 | 649,158 | 701,867 | 666,407 | 699,377 | ||||||||||||||||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 39,213 | 39,947 | 46,054 | 11,283 | 13,423 | |||||||||||||||||
| ratios | ||||||||||||||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | ... | 15.2 | 12.9 | 12.6 | 11.8 | 12.9 | ||||||||||||||||||
| ROA | % | ... | ... | ... | ... | ... | ... | 1.85 | 1.56 | 1.43 | 1.38 | 1.51 | ||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | 1.75 | 1.59 | 1.44 | 1.56 | 1.55 | ||||||||||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | 41.3 | 42.6 | 42.6 | 46.2 | 44.2 | ||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 14.7 | 15.8 | 16.4 | 16.3 | 16.2 | ||||||||||||||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | 2.85 | 2.57 | 2.36 | 2.32 | 2.32 | ||||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 67.3 | 68.6 | 69.8 | 68.8 | 66.4 | ||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 21.3 | 22.9 | 22.0 | 22.4 | 21.0 | ||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | 50.3 | 51.2 | 51.9 | 47.3 | 50.1 | |||||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | 13.1 | 11.2 | 11.5 | 11.9 | 11.4 | ||||||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | 78.0 | 72.9 | 70.5 | 79.9 | 83.0 | ||||||||||||||||||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | ... | 57.4 | 54.8 | 51.9 | 59.7 | 62.9 | ||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | 5.80 | 5.60 | 5.21 | 4.20 | 3.80 | ||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | 62.7 | 64.2 | 70.4 | 68.7 | 67.2 | ||||||||||||||||
| valuation | ||||||||||||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | ... | 7,966 | 8,421 | 7,863 | 7,532 | 6,519 | ||||||||||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | 189 | 189 | 190 | 189 | 189 | ||||||||||||||||||
| Share Price (End Of Period) | CZK | ... | ... | ... | ... | ... | 802 | 884 | 948 | 990 | 885 | |||||||||||||||||||
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | 75.4 | 68.3 | 68.2 | 67.6 | 72.5 | ||||||||||||||||||
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | 547 | 511 | 580 | 562 | 558 | ||||||||||||||||||
| Dividend Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 32.2 | 46.3 | 46.0 | 62.4 | 40.2 | ||||||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.6 | 12.9 | 13.9 | 14.7 | 12.2 | ||||||||||||||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | 1.47 | 1.73 | 1.64 | 1.76 | 1.59 | |||||||||||||||||||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.01 | 5.23 | 4.85 | 6.30 | 4.55 | ||||||||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | 46.5 | -9.32 | -0.258 | -0.883 | 7.29 | |||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | 22.6 | -6.55 | 13.4 | -2.98 | -0.779 |
| income statement | Unit | 1990 | 1991 | 1992 | 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 |
| income statement | ||||||||||||||||||||||||||||||
| Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 35,993 | 32,230 | 31,222 | 28,622 | 26,757 | |||||||||||||||||
| Interest Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 14,024 | 11,026 | 9,801 | 7,268 | 5,692 | |||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | 21,969 | 21,204 | 21,423 | 21,357 | 21,069 | ||||||||||||||||||
| Net Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | 6,971 | 7,076 | 6,752 | 6,968 | 6,683 | ||||||||||||||||||
| Other Income | CZK mil | ... | ... | ... | ... | ... | ... | 3,723 | 2,611 | 2,501 | 2,719 | 4,001 | ||||||||||||||||||
| Total Revenues | CZK mil | ... | ... | ... | ... | ... | ... | 32,663 | 30,891 | 30,676 | 31,044 | 31,753 | ||||||||||||||||||
| Staff Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 6,786 | 6,728 | 6,784 | 6,793 | 7,029 | |||||||||||||||||
| Depreciation | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1,707 | 1,755 | 1,791 | 2,240 | 1,744 | |||||||||||||||||
| Other Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 4,991 | 4,665 | 4,489 | 5,319 | 5,254 | |||||||||||||||||
| Operating Cost | CZK mil | ... | ... | ... | ... | ... | ... | 13,484 | 13,148 | 13,064 | 14,352 | 14,027 | ||||||||||||||||||
| Operating Profit | CZK mil | ... | ... | ... | ... | ... | ... | 19,179 | 17,743 | 17,612 | 16,692 | 17,726 | ||||||||||||||||||
| Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1,871 | 1,739 | 1,296 | 1,075 | 1,817 | |||||||||||||||||
| Extra and Other Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 368 | 273 | 317 | -153 | -964 | |||||||||||||||||
| Pre-Tax Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 16,940 | 15,731 | 15,999 | 15,770 | 16,873 | |||||||||||||||||
| Tax | CZK mil | ... | ... | ... | ... | ... | ... | ... | 2,709 | 2,825 | 2,669 | 2,637 | 2,799 | |||||||||||||||||
| Minorities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 278 | 377 | 376 | 374 | 386 | |||||||||||||||||
| Net Profit | CZK mil | ... | ... | ... | ... | ... | ... | 14,233 | 12,906 | 12,954 | 12,759 | 13,689 | ||||||||||||||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6,080 | 8,740 | 8,742 | 11,783 | 7,600 | ||||||||||||
| growth rates | ||||||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | ... | ... | -0.642 | -3.48 | 1.03 | -0.308 | -1.35 | |||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | -4.31 | 1.51 | -4.58 | 3.20 | -4.09 | |||||||||||||||||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | ... | ... | -0.006 | -5.43 | -0.696 | 1.20 | 2.28 | |||||||||||||||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | ... | ... | 0.015 | -2.49 | -0.639 | 9.86 | -2.26 | |||||||||||||||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | -0.021 | -7.49 | -0.738 | -5.22 | 6.19 | |||||||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 47.9 | -7.14 | 1.70 | -1.43 | 6.99 | ||||||||||||||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | 46.5 | -9.32 | 0.372 | -1.51 | 7.29 | |||||||||||||||||
| market share | ||||||||||||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | 19.5 | 18.4 | 18.3 | 17.8 | 17.6 | ||||||||||||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 22.1 | 21.1 | 20.5 | 19.2 | 18.6 | ||||||||||||||
| Market Share in Employees | % | ... | ... | ... | ... | 21.7 | 21.4 | 21.1 | 20.4 | 20.6 | ||||||||||||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15.9 | 15.2 | 13.9 | 14.2 | 14.1 | ||||||||||||||
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.9 | 17.2 | 15.4 | 15.5 | 15.2 | ||||||||||||||
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.1 | 9.59 | 9.44 | 9.94 | 10.4 | ||||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | 19.0 | 17.9 | 18.0 | 18.3 | 19.8 |
| balance sheet | Unit | 1990 | 1991 | 1992 | 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 |
| balance sheet | ||||||||||||||||||||||||||||||
| Cash | CZK mil | ... | ... | ... | ... | ... | ... | ... | 28,057 | 44,405 | 152,904 | 128,336 | 112,241 | |||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 64,111 | 125,735 | 59,698 | 47,799 | 51,771 | |||||||||||||||||
| Customer Loans | CZK mil | ... | ... | ... | ... | ... | ... | 451,547 | 473,090 | 494,706 | 532,617 | 580,198 | ||||||||||||||||||
| Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 210,100 | 218,300 | 224,700 | 252,600 | 281,800 | |||||||||||||||
| Mortgage Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 133,300 | 146,200 | 159,800 | 185,000 | 207,800 | |||||||||||||||
| Consumer Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 27,500 | 28,500 | 29,000 | 30,600 | 35,200 | |||||||||||||||
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 235,500 | 246,700 | 224,700 | 268,800 | 275,700 | |||||||||||||||
| Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 196,706 | 182,533 | 195,927 | 138,145 | 134,591 | ||||||||||||||||
| Fixed Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6,581 | 7,872 | 7,666 | 7,779 | 10,552 | ||||||||||||||
| Total Assets | CZK mil | ... | ... | ... | ... | ... | ... | 786,836 | 863,980 | 953,261 | 891,555 | 922,737 | ||||||||||||||||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | ... | ... | 103,307 | 96,538 | 109,494 | 106,228 | 105,401 | ||||||||||||||||||
| Of Which Minority Interest | CZK mil | ... | ... | ... | ... | ... | ... | ... | 2,769 | 2,879 | 3,131 | 3,816 | 3,831 | |||||||||||||||||
| Liabilities | CZK mil | ... | ... | ... | ... | ... | ... | 683,529 | 767,442 | 843,767 | 785,327 | 817,336 | ||||||||||||||||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | ... | ... | ... | 38,901 | 49,680 | 61,360 | 56,230 | 54,124 | |||||||||||||||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | ... | ... | 579,067 | 649,158 | 701,867 | 666,407 | 699,377 | ||||||||||||||||||
| Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 156,400 | 161,800 | 178,400 | 197,400 | 230,100 | |||||||||||
| Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 308,000 | 349,100 | 379,100 | 385,000 | 394,500 | |||||||||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 39,213 | 39,947 | 46,054 | 11,283 | 13,423 | |||||||||||||||||
| Other Liabilities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 26,348 | 28,657 | 34,486 | 51,407 | 50,412 | |||||||||||||||||
| asset quality | ||||||||||||||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 27,208 | 27,524 | 26,767 | 23,024 | 22,625 | ||||||||||||||||
| Gross Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 469,100 | 491,500 | 513,556 | 548,200 | 595,400 | ||||||||||||||||
| Total Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | 17,060 | 17,670 | 18,850 | 15,818 | 15,202 | |||||||||||||||||
| growth rates | ||||||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | 3.95 | 4.77 | 4.57 | 7.66 | 8.93 | |||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.01 | 3.90 | 2.93 | 12.4 | 11.6 | ||||||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.37 | 9.68 | 9.30 | 15.8 | 12.3 | ||||||||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -0.362 | 3.64 | 1.75 | 5.52 | 15.0 | ||||||||||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.99 | 4.76 | -8.92 | 19.6 | 2.57 | ||||||||||||||
| Total Asset Growth | % | ... | ... | ... | ... | ... | ... | ... | 4.24 | 9.80 | 10.3 | -6.47 | 3.50 | |||||||||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | ... | ... | ... | 22.3 | -6.55 | 13.4 | -2.98 | -0.779 | |||||||||||||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | 3.28 | 12.1 | 8.12 | -5.05 | 4.95 | |||||||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -2.19 | 3.45 | 10.3 | 10.7 | 16.6 | ||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.37 | 13.3 | 8.59 | 1.56 | 2.47 | ||||||||||
| market share | ||||||||||||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | ... | ... | 19.1 | 18.8 | 18.8 | 19.1 | 19.7 | ||||||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28.2 | 28.4 | 25.7 | 29.2 | 28.3 | |||||||||||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.47 | 8.62 | 8.78 | 8.70 | 9.60 | |||||||||||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18.5 | 18.5 | 18.3 | 19.1 | 19.8 | |||||||||||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.5 | 17.2 | 17.8 | 19.0 | 19.7 | |||||||||||||||
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | 17.0 | 16.6 | 17.7 | 16.1 | 15.3 | ||||||||||||||||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | ... | 18.5 | 19.4 | 20.4 | 18.9 | 18.6 | ||||||||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.83 | 8.93 | 9.28 | 9.70 | 10.4 | |||||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 43.0 | 44.9 | 45.2 | 41.8 | 43.1 |
| ratios | Unit | 1990 | 1991 | 1992 | 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 |
| ratios | ||||||||||||||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | ... | 15.2 | 12.9 | 12.6 | 11.8 | 12.9 | ||||||||||||||||||
| ROA | % | ... | ... | ... | ... | ... | ... | 1.85 | 1.56 | 1.43 | 1.38 | 1.51 | ||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | 1.75 | 1.59 | 1.44 | 1.56 | 1.55 | ||||||||||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | 41.3 | 42.6 | 42.6 | 46.2 | 44.2 | ||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 14.7 | 15.8 | 16.4 | 16.3 | 16.2 | ||||||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.7 | 15.8 | 16.4 | 16.3 | 16.2 | ||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | 2.85 | 2.57 | 2.36 | 2.32 | 2.32 | ||||||||||||||||||
| Interest Spread | % | ... | ... | ... | ... | ... | ... | ... | 2.60 | 2.38 | 2.22 | 2.21 | 2.24 | |||||||||||||||||
| Asset Yield | % | ... | ... | ... | ... | ... | ... | ... | 4.67 | 3.90 | 3.44 | 3.10 | 2.95 | |||||||||||||||||
| Cost Of Liabilities | % | ... | ... | ... | ... | ... | ... | ... | 2.07 | 1.52 | 1.22 | 0.892 | 0.710 | |||||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 42.7 | 67.7 | 67.5 | 92.4 | 55.5 | ||||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 67.3 | 68.6 | 69.8 | 68.8 | 66.4 | ||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 21.3 | 22.9 | 22.0 | 22.4 | 21.0 | ||||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 11.4 | 8.45 | 8.15 | 8.76 | 12.6 | ||||||||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | 3,301 | 3,331 | 3,105 | 2,816 | 2,745 | |||||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | ... | ... | ... | 64,568 | 65,164 | 66,354 | 67,223 | 69,254 | |||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | 50.3 | 51.2 | 51.9 | 47.3 | 50.1 | |||||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | 13.1 | 11.2 | 11.5 | 11.9 | 11.4 | ||||||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | 78.0 | 72.9 | 70.5 | 79.9 | 83.0 | ||||||||||||||||||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | ... | 57.4 | 54.8 | 51.9 | 59.7 | 62.9 | ||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | 5.80 | 5.60 | 5.21 | 4.20 | 3.80 | ||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | 62.7 | 64.2 | 70.4 | 68.7 | 67.2 | ||||||||||||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 3.78 | 3.74 | 3.81 | 2.97 | 2.62 | |||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 0.422 | 0.376 | 0.268 | 0.209 | 0.327 |
| other data | Unit | 1990 | 1991 | 1992 | 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 |
| other data | ||||||||||||||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | 399 | 399 | 399 | 397 | 406 | |||||||||||||||||||
| Employees | 8,758 | 8,604 | 8,520 | 8,421 | 8,458 | |||||||||||||||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | 702 | 729 | 754 | 772 | 768 | |||||||||||||||||||
| Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.60 | 1.59 | 1.63 | 1.65 | 1.65 | ||||||||||||||
| E-Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.12 | 1.17 | 1.27 | 1.34 | 1.39 | ||||||
| Payment Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,612 | 1,562 | 1,532 | 1,618 | 1,595 | ||||||||||||||
| Debit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,403 | 1,363 | 1,342 | 1,417 | 1,401 | ||||||||||||||
| Credit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 209 | 199 | 191 | 201 | 194 | ||||||||||||||
| Revenues From Abroad | CZK mil | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||||
| Profit From Abroad | CZK mil | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||||
| Revenues From Abroad (As % Of Total) | % | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||||
| Profit From Abroad (As % Of Total) | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 366,107 | 373,796 | 384,186 | 342,000 | 442,900 |
Get all company financials in excel:
By Helgi Analytics - November 05, 2019
Komercni Banka's mortgage loans reached CZK 225,100 mil in 2019-06-30, up 0.536% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,282 bil in 2019-06-30, up 1.71% when compared to the last year. Komercni Banka accounted ...
By Helgi Analytics - November 05, 2019
Komercni Banka's retail deposits reached CZK 343,100 mil in 2019-06-30, up 1.09% compared to the previous year. Czech banking sector accepted retail deposits of CZK 2,689 bil in 2019-06-30, up 1.68% when compared to the last year. Komercni Banka accounted...
By Helgi Analytics - November 05, 2019
Komercni Banka made a net profit of CZK 4,036 mil in the second quarter of 2019, up 7.48% when compared to the same period of last year. This implies a return on equity of 15.6%. Historically, the bank’s net profit reached an all time high of CZK 4,204 mil in 3Q2...
By Helgi Analytics - November 05, 2019
Komercni Banka's customer loans reached CZK 634,568 mil in 2019-06-30, up 1.47% compared to the previous year. Czech banking sector provided customer loans of CZK 3,398 bil in 2019-06-30, up 1.23% when compared to the last year. Komercni Banka accounted f...
By Helgi Analytics - November 05, 2019
Komercni Banka's net interest margin amounted to 2.02% in the second quarter of 2019, down from 2.15% 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 Analytics - November 05, 2019
Komercni Banka's retail loans reached CZK 317,300 mil in the second quarter of 2019, up 0.858% compared to the previous year. Czech banking sector provided retail loans of CZK 1,691 bil in 2Q2019, up 1.70% when compared to the last year. Komercni Banka ac...
By Helgi Analytics - November 05, 2019
Komercni Banka's capital adequacy ratio reached 19.0% at the end of second quarter of 2019, up from 18.9% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 19.0% in 2Q2019 and an all time low of 11.6% in 1Q2008. ...
By Helgi Analytics - November 05, 2019
Komercni Banka's corporate deposits reached CZK 486,000 mil in 2019-06-30, up 2.04% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,037 bil in 2019-06-30, up 2.06% when compared to the last year. Komercni Banka acc...
By Helgi Analytics - November 05, 2019
Komercni Banka's consumer loans reached CZK 38,700 mil in 2019-06-30, up 0.259% compared to the previous year. Czech banking sector provided consumer loans of CZK 409 bil in 2019-06-30, up 1.70% when compared to the last year. Komercni Banka accounted for...
By Helgi Analytics - November 05, 2019
Komercni Banka's non-performing loans reached 2.30% of total loans at the end of 2019-06-30, down from 2.73% compared to the previous year. Historically, the NPL ratio hit an all time high of 33.7% in 2000-12-31 and an all time low of 2.30% in 2019-06-30. P...
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 -0.387% and 4.25% a year on average in the last 10 years. Its loans and deposits have grown by 5.52% and 3.89% a year during that time and loans to deposits ratio reached 76.7% at the end of 2018. The company achieved an average return on equity of 14.1% in the last decade with net profit growing 1.21% a year on average. In terms of operating efficiency, its cost to income ratio reached 45.4% in 2018, compared to 42.8% average in the last decade.
Equity represented 9.75% of total assets or 16.6% of loans at the end of 2018. Komercni Banka's non-performing loans were 2.71% of total loans while provisions covered some 59.4% of NPLs at the end of 2018.
Komercni Banka stock traded at CZK 847 per share at the end of 2018 resulting in a market capitalization of USD 7,165 mil. Over the previous five years, stock price fell by 4.21% or 0.856% a year on average. That’s compared to an average ROE of 13.3% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 10.8x and price to book value (PBV) of 1.56x in 2018.
Helgi Analytics 
