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Home » Companies » Banking in Czechia » Komercni Banka

Komercni Banka

Largest Banks in Czechia by Profit

By Helgi Analytics - November 11, 2022

Czech banks reported a net profit of CZK 31,133 mil in the second quarter of 2022, up 53.7% when compared to previous year. This i...

KB's employees fell 2.71% yoy to 7,496 in 3Q2022

By Helgi Analytics - November 7, 2022

Komercni Banka employed 7,496 persons in 2022-09-30, down 0.349% when compared to the previous year. Historically, the bank's wo...

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

By Helgi Analytics - November 7, 2022

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

Annual Quarterly
Profit Statement 2019 2020 2021
Net Interest Income CZK mil 23,591 21,361 21,794
Net Fee Income CZK mil 5,984 5,211 5,712
Other Income CZK mil 2,998 3,091 3,841
Total Revenues CZK mil 32,573 29,663 31,347
Staff Cost CZK mil 7,780 7,650 7,539
Operating Profit CZK mil 17,642 14,669 16,248
Provisions CZK mil -571 4,578 731
Net Profit CZK mil 14,901 8,157 12,992
Balance Sheet 2019 2020 2021
Interbank Loans CZK mil 244,561 262,606 257,196
Customer Loans CZK mil 647,259 679,955 724,587
Investments CZK mil 131,183 158,916 190,923
Total Assets CZK mil 1,077,330 1,167,130 1,244,350
Shareholders' Equity CZK mil 108,635 117,058 126,782
Interbank Borrowing CZK mil 99,255 120,501 158,262
Customer Deposits CZK mil 816,301 906,217 956,929
Issued Debt Securities CZK mil 8,716 3,777 16,156
Ratios 2019 2020 2021
ROE % 14.1 7.23 10.7
ROA % 1.39 0.727 1.08
Costs (As % Of Assets) % 1.40 1.34 1.25
Costs (As % Of Income) % 45.8 50.5 48.2
Capital Adequacy Ratio % 19.7 22.3 21.3
Net Interest Margin % 2.21 1.90 1.81
Loans (As % Of Deposits) % 79.3 75.0 75.7
NPLs (As % Of Loans) % 2.13 2.63 2.49
Provisions (As % Of NPLs) % 72.4 62.9 51.6
Valuation 2019 2020 2021
Market Capitalisation USD mil 6,918 5,776 8,044
Number Of Shares mil 189 190 189
Share Price CZK 830 657 935
Price/Earnings (P/E) 10.6 15.2 13.6
Price/Book Value (P/BV) 1.44 1.06 1.39
Dividend Yield % 0 4.26 2.55
Earnings Per Share (EPS) CZK 78.1 43.2 68.8
Book Value Per Share CZK 575 617 671
Dividend Per Share CZK 0 28.0 23.9

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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
income statement                                                          
Net Interest Income CZK mil                                             21,357 21,069 20,808 22,704 23,591    
Total Revenues CZK mil                                             31,044 31,753 31,060 32,203 32,573    
Operating Profit CZK mil                                             16,692 17,726 17,685 17,568 17,642    
Net Profit CZK mil                                             12,759 13,689 14,930 14,846 14,901    
balance sheet                                                          
Interbank Loans CZK mil                                             47,799 51,771 222,821 256,268 244,561    
Customer Loans CZK mil                                             532,617 580,198 593,639 624,954 647,259    
Investments CZK mil                                             138,145 134,591 108,468 117,760 131,183    
Total Assets CZK mil                                             891,556 922,737 1,004,040 1,059,930 1,077,330    
                                                             
Shareholders' Equity CZK mil                                             106,229 105,401 100,346 103,329 108,635    
Interbank Borrowing CZK mil                                             56,231 54,125 84,051 109,162 99,255    
Customer Deposits CZK mil                                             656,287 699,377 762,043 795,560 816,301    
Issued Debt Securities CZK mil                                             21,403 13,423 7,392 5,118 8,716    
ratios                                                          
ROE % ...                                           11.8 12.9 14.5 14.6 14.1    
ROA % ...                                           1.38 1.51 1.55 1.44 1.39    
Costs (As % Of Assets) % ...                                           1.56 1.55 1.39 1.42 1.40    
Costs (As % Of Income) %                                             46.2 44.2 43.1 45.4 45.8    
Capital Adequacy Ratio %                   ... ... ... ...                   16.3 16.2 18.6 18.5 19.7    
Net Interest Margin % ...                                           2.32 2.32 2.16 2.20 2.21    
Interest Income (As % Of Revenues) %                                             68.8 66.4 67.0 70.5 72.4    
Fee Income (As % Of Revenues) %                                             22.4 21.0 20.8 18.7 18.4    
Staff Cost (As % Of Total Cost) %                                             47.3 50.1 54.7 53.5 52.1    
Equity (As % Of Assets) %                                             11.9 11.4 9.99 9.75 10.1    
Loans (As % Of Deposits) %                                             81.2 83.0 77.9 78.6 79.3    
Loans (As % Assets) %                                             59.7 62.9 59.1 59.0 60.1    
NPLs (As % Of Loans) % ... ... ... ...     ...                               2.80 2.50 3.04 2.72 2.13    
Provisions (As % Of NPLs) % ... ... ... ...     ...                               103 105 68.5 70.4 72.4    
valuation                                                          
Market Capitalisation USD mil ... ...                                         7,519 6,523 8,135 7,118 6,918    
Number Of Shares mil ... ... ... ... ... ... ... ... ... ... ...                       189 189 189 189 189    
Share Price CZK ... ...                                         990 885 915 847 830    
Earnings Per Share (EPS) CZK ... ... ... ... ... ... ... ... ... ... ...                       69.5 72.4 76.1 78.6 78.1    
Book Value Per Share CZK ... ... ... ... ... ... ... ... ... ... ...                       562 558 531 547 575    
Dividend Per Share CZK ... ...                                         62.0 40.0 47.0 51.0 0    
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ...                       14.3 12.2 12.0 10.8 10.6    
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ...                       1.76 1.59 1.72 1.55 1.44    
Dividend Yield % ... ...                                         6.26 4.52 5.14 6.02 0    
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ...                     1.26 4.24 5.12 3.24 -0.583    
Book Value Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ...                     -2.98 -0.777 -4.80 2.97 5.14    
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
income statement                                                          
Interest Income CZK mil                                             28,622 26,757 26,647 33,643 44,006    
Interest Cost CZK mil                                             7,268 5,692 5,843 10,939 20,415    
Net Interest Income CZK mil                                             21,357 21,069 20,808 22,704 23,591    
Net Fee Income CZK mil                                             6,968 6,683 6,465 6,025 5,984    
Fee Income CZK mil                                             8,552 7,914 7,450 7,151 7,136   ...
Fee Expense CZK mil         ... ...     ... ... ... ... ... ... ... ...             1,584 1,231 1,166 1,126 1,153 ... ...
Other Income CZK mil                                             2,719 4,001 3,787 3,474 2,998    
Total Revenues CZK mil                                             31,044 31,753 31,060 32,203 32,573    
Staff Cost CZK mil                                             6,793 7,029 7,321 7,827 7,780    
Depreciation CZK mil ... ... ... ...                                     2,240 1,744 786 1,856 2,458    
Other Cost CZK mil ... ... ... ...                                     5,319 5,254 5,268 4,952 4,693    
Operating Cost CZK mil                                             14,352 14,027 13,375 14,635 14,931    
Operating Profit CZK mil                                             16,692 17,726 17,685 17,568 17,642    
Provisions CZK mil                                             1,075 1,817 -391 -642 -571    
Extra and Other Cost CZK mil                                             -153 -964 -210 -310 -378    
Pre-Tax Profit CZK mil                                             15,770 16,873 18,286 18,520 18,591    
Tax CZK mil                                             2,637 2,799 3,012 3,349 3,419    
Minorities CZK mil                                             374 386 344 325 271    
Net Profit CZK mil                                             12,759 13,689 14,930 14,846 14,901    
Net Profit Avail. to Common CZK mil                                             12,759 13,689 14,930 14,846 14,901    
Dividends CZK mil                                             11,709 7,602 8,932 9,693 0    
growth rates                                                          
Net Interest Income Growth % ...                                           -0.308 -1.35 -1.24 9.11 3.91    
Net Fee Income Growth % ...                                           3.20 -4.09 -3.26 -6.81 -0.680    
Total Revenue Growth % ...                                           1.20 2.28 -2.18 3.68 1.15    
Operating Cost Growth % ...                                           9.86 -2.26 -4.65 9.42 2.02    
Operating Profit Growth % ...                                           -5.22 6.19 -0.231 -0.662 0.421    
Pre-Tax Profit Growth % ...                                           -1.43 6.99 8.37 1.28 0.383    
Net Profit Growth % ...                                           -1.51 7.29 9.07 -0.563 0.370    
market share                                                          
Market Share in Revenues %                                             17.8 17.6 17.3 16.9 16.1   ...
Market Share in Net Profit %         ... ... ... ...                             19.2 18.5 19.8 18.2 16.4   ...
Market Share in Employees % ...                                           20.8 21.0 20.8 20.2 20.1   ...
Market Share in Bank Cards % ... ... ... ... ... ... ...                               14.2 14.1 15.0 14.1 12.9   ...
Market Share in Debit Cards % ... ... ... ... ... ... ...                               15.5 15.2 15.5 14.0 12.3   ...
Market Share in Credit Cards % ... ... ... ... ... ... ...                               9.94 10.4 15.4 17.5 17.5   ...
Market Share in Branches % ... ... ...                                       19.0 19.8 20.6 19.8 19.3   ...
balance sheet Unit 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
balance sheet                                                          
Cash & Cash Equivalents CZK mil                                             128,336 112,241 32,663 24,851 17,744    
Interbank Loans CZK mil                                             47,799 51,771 222,821 256,268 244,561    
Customer Loans CZK mil                                             532,617 580,198 593,639 624,954 647,259    
Retail Loans CZK mil ... ... ... ... ... ...                                 252,600 281,800 299,500 313,300 324,800    
Mortgage Loans CZK mil ... ... ... ... ... ...                                 185,000 207,800 218,900 223,900 229,400    
Consumer Loans CZK mil ... ... ... ... ... ...                                 30,600 35,200 37,000 38,700 39,200    
Corporate Loans CZK mil ... ... ... ... ... ...                                 261,924 286,270 286,502 349,400 292,242    
Investments CZK mil                                             138,145 134,591 108,468 117,760 131,183    
Property and Equipment CZK mil                                             6,844 6,666 7,404 7,676 10,528    
Intangible Assets CZK mil ... ... ... ... ... ... ...                               7,619 7,638 8,436 9,001 9,770    
Goodwill CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             3,752 3,752 3,752 3,752 3,752    
Total Assets CZK mil                                             891,556 922,737 1,004,040 1,059,930 1,077,330    
                                                             
Shareholders' Equity CZK mil                                             106,229 105,401 100,346 103,329 108,635    
Of Which Minority Interest CZK mil                                             3,816 3,831 3,797 3,398 3,095    
Liabilities CZK mil                                             785,327 817,336 903,693 956,603 968,699    
Interbank Borrowing CZK mil                                             56,231 54,125 84,051 109,162 99,255    
Customer Deposits CZK mil                                             656,287 699,377 762,043 795,560 816,301    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         197,400 294,200 314,200 338,400 347,600    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         385,000 394,500 432,300 446,300 462,400    
Sight Deposits CZK mil                                             449,672 496,353 556,897 722,900 722,900   ...
Term Deposits CZK mil                                             189,815 190,460 191,602 61,800 61,800   ...
Issued Debt Securities CZK mil                                             21,403 13,423 7,392 5,118 8,716    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ...     ...                   ... ... ... ... ... ...    
Other Liabilities CZK mil                                             51,406 50,411 50,207 46,763 44,427    
asset quality                                                          
Non-Performing Loans CZK mil ... ... ... ...     ...                               15,350 14,885 18,600 17,300 14,000    
Gross Loans CZK mil                                             548,451 595,781 610,849 637,125 657,395    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ...                   407,638 442,866 424,565 451,052 439,237    
Total Provisions CZK mil                                             15,834 15,583 12,747 12,171 10,136    
growth rates                                                          
Customer Loan Growth % ...                                           7.66 8.93 2.32 5.28 3.57    
Retail Loan Growth % ... ... ... ... ... ... ...                               12.4 11.6 6.28 4.61 3.67    
Mortgage Loan Growth % ... ... ... ... ... ... ...                               15.8 12.3 5.34 2.28 2.46    
Consumer Loan Growth % ... ... ... ... ... ... ...                               5.52 15.0 5.11 4.59 1.29    
Corporate Loan Growth % ... ... ... ... ... ... ...                               4.75 9.30 0.081 22.0 -16.4    
Total Asset Growth % ...                                           -6.47 3.50 8.81 5.57 1.64    
Shareholders' Equity Growth % ...                                           -2.98 -0.779 -4.80 2.97 5.14    
Customer Deposit Growth % ...                                           -6.49 6.57 8.96 4.40 2.61    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       10.7 49.0 6.80 7.70 2.72    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1.56 2.47 9.58 3.24 3.61    
market share                                                          
Market Share in Customer Loans %                                             19.1 19.7 19.2 18.9 18.8    
Market Share in Corporate Loans % ... ... ... ... ... ...                                 28.4 29.3 28.0 32.3 26.1    
Market Share in Retail Loans % ... ... ... ... ... ...                                 8.70 9.60 9.69 9.68 9.44    
Market Share in Consumer Loans % ... ... ... ... ... ...                                 19.1 19.8 19.6 19.0 18.6    
Market Share in Mortgage Loans % ... ... ... ... ... ...                                 19.0 19.7 19.1 18.0 17.3    
Market Share in Total Assets %                                             16.1 15.3 14.2 14.5 14.3    
Market Share in Customer Deposits %                                             18.6 18.6 18.3 17.9 17.2    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         9.70 13.3 13.3 13.2 12.8    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         41.8 43.1 43.4 42.9 42.2    
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
                                                           
ROE % ...                                           11.8 12.9 14.5 14.6 14.1    
ROTE % ... ... ... ... ... ... ... ...                             12.7 13.9 15.7 15.9 15.4    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 21.5 21.5 22.9 22.6 22.3    
ROA % ...                                           1.38 1.51 1.55 1.44 1.39    
Return on Loans % ...                                           2.48 2.46 2.54 2.44 2.34    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 4.22 4.17 4.08 4.01 3.96    
Costs (As % Of Assets) % ...                                           1.56 1.55 1.39 1.42 1.40    
Costs (As % Of Income) %                                             46.2 44.2 43.1 45.4 45.8    
Costs (As % Of Loans) % ...                                           2.79 2.52 2.28 2.40 2.35    
Costs (As % Of Loans & Deposits) % ...                                           1.20 1.14 1.02 1.05 1.04    
Capital Adequacy Ratio %                   ... ... ... ...                   16.3 16.2 18.6 18.5 19.7    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ...       ...                   16.3 16.2 18.0 17.9 19.1    
Net Interest Margin % ...                                           2.32 2.32 2.16 2.20 2.21    
Interest Spread % ...                                           2.21 2.24 2.09 2.08 2.00    
Asset Yield % ...                                           3.10 2.95 2.77 3.26 4.12    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 7.84 7.47 7.16 7.36 7.32    
Cost Of Liabilities % ...                                           0.892 0.710 0.679 1.18 2.12    
Payout Ratio %                                             91.8 55.5 59.8 65.3 0    
Interest Income (As % Of Revenues) %                                             68.8 66.4 67.0 70.5 72.4    
Fee Income (As % Of Revenues) %                                             22.4 21.0 20.8 18.7 18.4    
Other Income (As % Of Revenues) %                                             8.76 12.6 12.2 10.8 9.20    
Staff Cost (As % Of Total Cost) %                                             47.3 50.1 54.7 53.5 52.1    
Equity (As % Of Assets) %                                             11.9 11.4 9.99 9.75 10.1    
Equity (As % Of Loans) %                                             19.9 18.2 16.9 16.5 16.8    
Loans (As % Of Deposits) %                                             81.2 83.0 77.9 78.6 79.3    
Loans (As % Assets) %                                             59.7 62.9 59.1 59.0 60.1    
NPLs (As % Of Loans) % ... ... ... ...     ...                               2.80 2.50 3.04 2.72 2.13    
Provisions (As % Of NPLs) % ... ... ... ...     ...                               103 105 68.5 70.4 72.4    
Provisions (As % Of Loans) %                                             2.97 2.69 2.15 1.95 1.57    
Cost of Provisions (As % Of Loans) % ...                                           0.209 0.327 -0.067 -0.105 -0.090    
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
                                                           
Branches ... ... ...                                       411 406 401 388 366    
ATMs ... ... ...                                       772 768 764 776 796    
ATMs (As % of Bank Branches) % ... ... ...                                       188 189 191 200 217    
Employees                                             8,575 8,615 8,696 8,454 8,351    
Employees Per Bank Branch ... ... ...                                       20.9 21.2 21.7 21.8 22.8    
Cost Per Employee USD per month                                             2,766 2,695 2,990 3,526 3,444    
Cost Per Employee (Local Currency) CZK per month                                             66,016 67,992 70,157 77,153 77,635    
Employee Turnover % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 13.5 13.0 16.0 15.8 ... ...
Women (As % of Workforce) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 67.0 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
                                                           
Customers mil ... ... ... ... ... ... ...                               1.65 1.65 1.66 1.67 1.66    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...               1.34 1.39 1.42 1.46 1.42   ...
Payment Cards mil ... ... ... ... ... ... ...                               1.62 1.60 1.69 1.67 1.68    
Debit Cards mil ... ... ... ... ... ... ...                               1.42 1.40 1.40 1.39 1.40    
Credit Cards mil ... ... ... ... ... ... ...                               0.201 0.194 0.294 0.282 0.274    
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     0.144 0.154 0.157 0.154 0.159   ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1,282,000 1,352,000 1,393,000 1,451,000 1,444,000   ...
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...               81.4 83.9 85.5 87.2 85.5   ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     8.76 9.29 9.44 9.25 9.55   ...
Payments Cards (As % of Total Clients) % ... ... ... ... ... ... ...                               98.2 96.4 102 100 101    
Debit Cards (As % of Total Clients) % ... ... ... ... ... ... ...                               86.0 84.7 84.1 83.2 84.3    
Credit Cards (As % of Total Clients) % ... ... ... ... ... ... ...                               12.2 11.7 17.7 16.9 16.5    
                                                             
Market Value per Customer (Local Currency) CZK ... ... ... ... ... ... ...                               113,323 101,116 104,083 95,876 94,049    
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ...                               18,849 19,198 18,666 19,306 19,575    
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ...                               7,747 8,276 8,972 8,900 8,955    
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ...                               323,386 350,785 356,754 374,673 388,978    
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ...                               398,474 422,840 457,959 476,954 490,566    
Market Value per Customer USD ... ... ... ... ... ... ...                               4,565 3,944 4,889 4,268 4,158    
Revenue per Customer USD ... ... ... ... ... ... ...                               790 761 795 882 868    
Net Profit per Customer USD ... ... ... ... ... ... ...                               325 328 382 407 397    
Loan per Customer USD ... ... ... ... ... ... ...                               13,027 13,682 16,756 16,677 17,195    
Deposit per Customer USD ... ... ... ... ... ... ...                               16,052 16,492 21,510 21,230 21,686    

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Komercni Banka - Market Share in Bank Deposits

By Helgi Analytics - November 7, 2022

Komercni Banka's customer deposits reached CZK 1,103,640 mil in 2022-06-30, up 4.98% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,340 bil in 2022-06-30, up 2.73% when compared to the last year. Komercni Banka acc...

Komercni Banka - Market Share in Retail Loans

By Helgi Analytics - November 7, 2022

Komercni Banka's retail loans reached CZK 429,900 mil in the second quarter of 2022, up 1.37% compared to the previous year. Czech banking sector provided retail loans of CZK 2,100 bil in 2Q2022, up 0.711% when compared to the last year. Komercni Banka ac...

KB's branches fell 10.3% yoy to 218 in 3Q2022

By Helgi Analytics - November 7, 2022

Komercni Banka employed 7,496 persons in 2022-09-30, down 0.349% compared to the previous year. Historically, the bank's workforce hit an all time high of 8,930 persons in 2009-03-31 and an all time low of 7,496 in 2022-09-30. The bank operated a network of ...

KB's net profit rose 32.8% yoy to CZK 4,650 mil in 3Q2022

By Helgi Analytics - November 7, 2022

Komercni Banka made a net profit of CZK 4,650 mil under revenues of CZK 9,838 mil in the third quarter of 2022, up 32.8% and 25.8% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 4,8...

KB's net profit rose 32.8% yoy to CZK 4,650 mil in 3Q2022

By Helgi Analytics - November 7, 2022

Komercni Banka made a net profit of CZK 4,650 mil in the third quarter of 2022, up 32.8% when compared to the same period of last year. This implies a return on equity of 14.6%. Historically, the bank’s net profit reached an all time high of CZK 4,849 mil in 2Q20...

Komercni Banka - Market Share in Mortgage Loans

By Helgi Analytics - November 7, 2022

Komercni Banka's mortgage loans reached CZK 266,200 mil in 2022-06-30, up 0.681% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,638 bil in 2022-06-30, up 0.673% when compared to the last year. Komercni Banka accounted...

Three Largest Mortgage Lenders in Czechia

By Helgi Analytics - November 7, 2022

Mortgage loans grew 8.80% yoy in the last 12 months and were up 0.673% qoq in the last quarter. At the end of June, mortgages formed 41.4% of total loans and 24.4% of GDP. Overall, CSOB was the largest mortgage lender with 30.5% of the mark...

Komercni Banka - Market Share in Bank Loans

By Helgi Analytics - November 7, 2022

Komercni Banka's customer loans reached CZK 757,528 mil in 2022-06-30, up 2.58% compared to the previous year. Czech banking sector provided customer loans of CZK 3,958 bil in 2022-06-30, up 0.834% when compared to the last year. Komercni Banka accounted ...

KB's corporate loans rose 12.8% yoy to CZK 400,800 mil in 3Q2022

By Helgi Analytics - November 7, 2022

Komercni Banka's loans reached CZK 787,200 mil in the third quarter of 2022, up from CZK 769,400 mil when compared to the previous quarter and up from CZK 724,800 mil when compared to the same period of last year. Historically, the bank’s loans reac...

Komercni Banka - Market Share in Corporate Deposits

By Helgi Analytics - November 7, 2022

Komercni Banka's corporate deposits reached CZK 612,100 mil in 2022-06-30, up 2.51% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,323 bil in 2022-06-30, down 0.868% when compared to the last year. Komercni Banka ...

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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 -0.411% and 5.13% a year on average in the last 10 years. Its loans and deposits have grown by 5.25% and 5.49% a year during that time and loans to deposits ratio reached 75.7% at the end of 2021. The company achieved an average return on equity of 12.7% in the last decade with net profit growing 2.95% a year on average. In terms of operating efficiency, its cost to income ratio reached 48.2% in 2021, compared to 45.0% average in the last decade.

Equity represented 10.2% of total assets or 17.5% of loans at the end of 2021. Komercni Banka's non-performing loans were 2.49% of total loans while provisions covered some 51.6% of NPLs at the end of 2021.

Valuation

Komercni Banka stock traded at per share at the end of 2021 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 10.6% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 13.6x and price to book value (PBV) of 1.39x in 2021.

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