By Helgi Analytics - February 6, 2020
Komercni Banka employed 8,167 persons in 2019-12-31, up 0.142% when compared to the previous year. Historically, the bank's work...
By Helgi Analytics - February 6, 2020
Komercni Banka employed 8,167 persons in 2019-12-31, up 0.142% compared to the previous year. Historically, the bank's workforce...
By Helgi Analytics - February 6, 2020
Komercni Banka made a net profit of CZK 3,840 mil in the fourth quarter of 2019, down 1.23% when compared to the same period of l...
| Profit Statement | 2017 | 2018 | 2019 | |
| Net Interest Income | CZK mil | 20,808 | 22,704 | 23,591 |
| Net Fee Income | CZK mil | 6,465 | 6,025 | 5,984 |
| Other Income | CZK mil | 3,787 | 3,474 | 2,998 |
| Total Revenues | CZK mil | 31,060 | 32,203 | 32,573 |
| Staff Cost | CZK mil | 7,321 | 7,827 | 7,780 |
| Operating Profit | CZK mil | 17,685 | 17,568 | 17,642 |
| Provisions | CZK mil | -391 | -642 | -571 |
| Net Profit | CZK mil | 14,930 | 14,846 | 14,901 |
| Balance Sheet | 2017 | 2018 | 2019 | |
| Interbank Loans | CZK mil | 222,821 | 256,268 | 244,561 |
| Customer Loans | CZK mil | 593,639 | 624,954 | 647,258 |
| Debt Securities | CZK mil | 91,875 | 92,495 | 94,979 |
| Total Assets | CZK mil | 1,001,650 | 1,059,930 | 1,077,330 |
| Shareholders' Equity | CZK mil | 101,874 | 106,727 | 111,730 |
| Interbank Borrowing | CZK mil | 84,050 | 92,271 | 93,581 |
| Customer Deposits | CZK mil | 762,043 | 812,451 | 821,506 |
| Issued Debt Securities | CZK mil | 26,697 | 26,690 | 29,892 |
| Ratios | 2017 | 2018 | 2019 | |
| ROE | % | 14.4 | 14.2 | 13.6 |
| ROA | % | 1.55 | 1.44 | 1.39 |
| Costs (As % Of Assets) | % | 1.39 | 1.42 | 1.40 |
| Costs (As % Of Income) | % | 43.1 | 45.4 | 45.8 |
| Capital Adequacy Ratio | % | 18.6 | 18.5 | 19.7 |
| Net Interest Margin | % | 2.16 | 2.20 | 2.21 |
| Loans (As % Of Deposits) | % | 77.9 | 76.9 | 78.8 |
| NPLs (As % Of Loans) | % | 3.06 | 2.71 | 2.13 |
| Provisions (As % Of NPLs) | % | 61.7 | 59.4 | 58.5 |
| Valuation | 2017 | 2018 | 2019 | |
| Market Capitalisation (End Of Period) | USD mil | 8,104 | 7,120 | 6,608 |
| Share Price (End Of Period) | CZK | 915 | 847 | 830 |
| Price/Earnings (P/E) | 11.6 | 10.8 | 10.5 | |
| Price/Book Value (P/BV) | 1.70 | 1.50 | 1.40 | |
| Dividend Yield | % | 5.15 | 6.06 | 6.15 |
| Earnings Per Share (EPS) | CZK | 79.1 | 78.6 | 78.9 |
| Book Value Per Share | CZK | 539 | 565 | 592 |
| Dividend Per Share | CZK | 47.1 | 51.3 | 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 | 2019 |
| income statement | |||||||||||||||||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | 21,204 | 21,423 | 21,357 | 21,069 | 20,808 | |||||||||||||||||||
| Total Revenues | CZK mil | ... | ... | ... | ... | ... | ... | 30,891 | 30,676 | 31,044 | 31,753 | 31,060 | |||||||||||||||||||
| Operating Profit | CZK mil | ... | ... | ... | ... | ... | ... | 17,743 | 17,612 | 16,692 | 17,726 | 17,685 | |||||||||||||||||||
| Net Profit | CZK mil | ... | ... | ... | ... | ... | ... | 12,906 | 12,954 | 12,759 | 13,689 | 14,930 | |||||||||||||||||||
| balance sheet | |||||||||||||||||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 125,735 | 59,698 | 47,799 | 51,771 | 222,821 | ||||||||||||||||||
| Customer Loans | CZK mil | ... | ... | ... | ... | ... | ... | 473,090 | 494,706 | 532,617 | 580,198 | 593,639 | |||||||||||||||||||
| Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 182,533 | 195,927 | 138,145 | 134,591 | 91,875 | |||||||||||||||||
| Total Assets | CZK mil | ... | ... | ... | ... | ... | ... | 863,980 | 953,261 | 891,555 | 922,737 | 1,001,650 | |||||||||||||||||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | ... | ... | 96,538 | 109,494 | 106,228 | 105,401 | 101,874 | |||||||||||||||||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | ... | ... | ... | 49,680 | 61,360 | 56,230 | 54,124 | 84,050 | ||||||||||||||||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | ... | ... | 649,158 | 701,867 | 666,407 | 699,377 | 762,043 | |||||||||||||||||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 39,947 | 46,054 | 11,283 | 13,423 | 26,697 | ||||||||||||||||||
| ratios | |||||||||||||||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | ... | 12.9 | 12.6 | 11.8 | 12.9 | 14.4 | |||||||||||||||||||
| ROA | % | ... | ... | ... | ... | ... | ... | 1.56 | 1.43 | 1.38 | 1.51 | 1.55 | |||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | 1.59 | 1.44 | 1.56 | 1.55 | 1.39 | |||||||||||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | 42.6 | 42.6 | 46.2 | 44.2 | 43.1 | |||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 15.8 | 16.4 | 16.3 | 16.2 | 18.6 | |||||||||||||||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | 2.57 | 2.36 | 2.32 | 2.32 | 2.16 | |||||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 68.6 | 69.8 | 68.8 | 66.4 | 67.0 | |||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 22.9 | 22.0 | 22.4 | 21.0 | 20.8 | |||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | 51.2 | 51.9 | 47.3 | 50.1 | 54.7 | ||||||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | 11.2 | 11.5 | 11.9 | 11.4 | 10.2 | |||||||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | 72.9 | 70.5 | 79.9 | 83.0 | 77.9 | |||||||||||||||||||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | ... | 54.8 | 51.9 | 59.7 | 62.9 | 59.3 | |||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | 5.60 | 5.21 | 4.20 | 3.80 | 3.06 | |||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | 64.2 | 70.4 | 68.7 | 67.2 | 61.7 | |||||||||||||||||
| valuation | |||||||||||||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | ... | 8,421 | 7,863 | 7,532 | 6,519 | 8,104 | |||||||||||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | 189 | 190 | 189 | 189 | 189 | |||||||||||||||||||
| Share Price (End Of Period) | CZK | ... | ... | ... | ... | ... | 884 | 948 | 990 | 885 | 915 | ||||||||||||||||||||
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | 68.3 | 68.2 | 67.6 | 72.5 | 79.1 | |||||||||||||||||||
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | 511 | 580 | 562 | 558 | 539 | |||||||||||||||||||
| Dividend Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 46.3 | 46.0 | 62.4 | 40.2 | 47.1 | |||||||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12.9 | 13.9 | 14.7 | 12.2 | 11.6 | |||||||||||||||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | 1.73 | 1.64 | 1.76 | 1.59 | 1.70 | ||||||||||||||||||||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.23 | 4.85 | 6.30 | 4.55 | 5.15 | |||||||||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | -9.32 | -0.258 | -0.883 | 7.29 | 9.07 | ||||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | -6.55 | 13.4 | -2.98 | -0.779 | -3.35 |
| 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 | 2019 |
| income statement | |||||||||||||||||||||||||||||||
| Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 32,230 | 31,222 | 28,622 | 26,757 | 26,647 | ||||||||||||||||||
| Interest Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 11,026 | 9,801 | 7,268 | 5,692 | 5,843 | ||||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | 21,204 | 21,423 | 21,357 | 21,069 | 20,808 | |||||||||||||||||||
| Net Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | 7,076 | 6,752 | 6,968 | 6,683 | 6,465 | |||||||||||||||||||
| Other Income | CZK mil | ... | ... | ... | ... | ... | ... | 2,611 | 2,501 | 2,719 | 4,001 | 3,787 | |||||||||||||||||||
| Total Revenues | CZK mil | ... | ... | ... | ... | ... | ... | 30,891 | 30,676 | 31,044 | 31,753 | 31,060 | |||||||||||||||||||
| Staff Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 6,728 | 6,784 | 6,793 | 7,029 | 7,321 | ||||||||||||||||||
| Depreciation | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1,755 | 1,791 | 2,240 | 1,744 | 786 | ||||||||||||||||||
| Other Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 4,665 | 4,489 | 5,319 | 5,254 | 5,268 | ||||||||||||||||||
| Operating Cost | CZK mil | ... | ... | ... | ... | ... | ... | 13,148 | 13,064 | 14,352 | 14,027 | 13,375 | |||||||||||||||||||
| Operating Profit | CZK mil | ... | ... | ... | ... | ... | ... | 17,743 | 17,612 | 16,692 | 17,726 | 17,685 | |||||||||||||||||||
| Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1,739 | 1,296 | 1,075 | 1,817 | -391 | ||||||||||||||||||
| Extra and Other Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 273 | 317 | -153 | -964 | -210 | ||||||||||||||||||
| Pre-Tax Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 15,731 | 15,999 | 15,770 | 16,873 | 18,286 | ||||||||||||||||||
| Tax | CZK mil | ... | ... | ... | ... | ... | ... | ... | 2,825 | 2,669 | 2,637 | 2,799 | 3,012 | ||||||||||||||||||
| Minorities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 377 | 376 | 374 | 386 | 344 | ||||||||||||||||||
| Net Profit | CZK mil | ... | ... | ... | ... | ... | ... | 12,906 | 12,954 | 12,759 | 13,689 | 14,930 | |||||||||||||||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8,740 | 8,742 | 11,783 | 7,600 | 8,900 | |||||||||||||
| growth rates | |||||||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | ... | ... | -3.48 | 1.03 | -0.308 | -1.35 | -1.24 | ||||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | 1.51 | -4.58 | 3.20 | -4.09 | -3.26 | ||||||||||||||||||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | ... | ... | -5.43 | -0.696 | 1.20 | 2.28 | -2.18 | ||||||||||||||||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | ... | ... | -2.49 | -0.639 | 9.86 | -2.26 | -4.65 | ||||||||||||||||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | -7.49 | -0.738 | -5.22 | 6.19 | -0.231 | ||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -7.14 | 1.70 | -1.43 | 6.99 | 8.37 | |||||||||||||||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | -9.32 | 0.372 | -1.51 | 7.29 | 9.07 | ||||||||||||||||||
| market share | |||||||||||||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | 18.4 | 18.3 | 17.8 | 17.6 | 17.3 | ... | ||||||||||||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 21.1 | 20.5 | 19.2 | 18.6 | 19.8 | ... | ||||||||||||||
| Market Share in Employees | % | ... | ... | ... | ... | 21.4 | 21.1 | 20.4 | 20.6 | 20.3 | ... | ||||||||||||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15.2 | 13.9 | 14.2 | 14.1 | 15.0 | ... | ||||||||||||||
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.2 | 15.4 | 15.5 | 15.2 | 15.5 | ... | ||||||||||||||
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.59 | 9.44 | 9.94 | 10.4 | 15.4 | ... | ||||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | 17.9 | 18.0 | 18.3 | 19.8 | 20.6 | ... |
| 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 | 2019 |
| balance sheet | |||||||||||||||||||||||||||||||
| Cash | CZK mil | ... | ... | ... | ... | ... | ... | ... | 44,405 | 152,904 | 128,336 | 112,241 | 32,663 | ||||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 125,735 | 59,698 | 47,799 | 51,771 | 222,821 | ||||||||||||||||||
| Customer Loans | CZK mil | ... | ... | ... | ... | ... | ... | 473,090 | 494,706 | 532,617 | 580,198 | 593,639 | |||||||||||||||||||
| Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 218,300 | 224,700 | 252,600 | 281,800 | 299,500 | ||||||||||||||||
| Mortgage Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 146,200 | 159,800 | 185,000 | 207,800 | 218,900 | ||||||||||||||||
| Consumer Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28,500 | 29,000 | 30,600 | 35,200 | 37,000 | ||||||||||||||||
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 246,700 | 224,700 | 268,800 | 275,700 | 331,500 | ||||||||||||||||
| Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 182,533 | 195,927 | 138,145 | 134,591 | 91,875 | |||||||||||||||||
| Fixed Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7,872 | 7,666 | 7,779 | 10,552 | 12,088 | |||||||||||||||
| Total Assets | CZK mil | ... | ... | ... | ... | ... | ... | 863,980 | 953,261 | 891,555 | 922,737 | 1,001,650 | |||||||||||||||||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | ... | ... | 96,538 | 109,494 | 106,228 | 105,401 | 101,874 | |||||||||||||||||||
| Of Which Minority Interest | CZK mil | ... | ... | ... | ... | ... | ... | ... | 2,879 | 3,131 | 3,816 | 3,831 | 3,712 | ||||||||||||||||||
| Liabilities | CZK mil | ... | ... | ... | ... | ... | ... | 767,442 | 843,767 | 785,327 | 817,336 | 899,778 | |||||||||||||||||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | ... | ... | ... | 49,680 | 61,360 | 56,230 | 54,124 | 84,050 | ||||||||||||||||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | ... | ... | 649,158 | 701,867 | 666,407 | 699,377 | 762,043 | |||||||||||||||||||
| Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 161,800 | 178,400 | 197,400 | 230,100 | 250,000 | ||||||||||||
| Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 349,100 | 379,100 | 385,000 | 394,500 | 432,043 | ||||||||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 39,947 | 46,054 | 11,283 | 13,423 | 26,697 | ||||||||||||||||||
| Other Liabilities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 28,657 | 34,486 | 51,407 | 50,412 | 26,988 | ||||||||||||||||||
| asset quality | |||||||||||||||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 27,524 | 26,767 | 23,024 | 22,625 | 18,605 | |||||||||||||||||
| Gross Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 491,500 | 513,556 | 548,200 | 595,400 | 607,400 | |||||||||||||||||
| Total Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | 17,670 | 18,850 | 15,818 | 15,202 | 11,477 | ||||||||||||||||||
| growth rates | |||||||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | 4.77 | 4.57 | 7.66 | 8.93 | 2.32 | ||||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.90 | 2.93 | 12.4 | 11.6 | 6.28 | |||||||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.68 | 9.30 | 15.8 | 12.3 | 5.34 | |||||||||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.64 | 1.75 | 5.52 | 15.0 | 5.11 | |||||||||||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.76 | -8.92 | 19.6 | 2.57 | 20.2 | |||||||||||||||
| Total Asset Growth | % | ... | ... | ... | ... | ... | ... | ... | 9.80 | 10.3 | -6.47 | 3.50 | 8.55 | ||||||||||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | ... | ... | ... | -6.55 | 13.4 | -2.98 | -0.779 | -3.35 | ||||||||||||||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | 12.1 | 8.12 | -5.05 | 4.95 | 8.96 | ||||||||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.45 | 10.3 | 10.7 | 16.6 | 8.65 | |||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.3 | 8.59 | 1.56 | 2.47 | 9.52 | |||||||||||
| market share | |||||||||||||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | ... | ... | 18.8 | 18.8 | 19.1 | 19.7 | 19.2 | ... | ||||||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28.4 | 25.7 | 29.2 | 28.3 | 32.4 | ... | |||||||||||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.62 | 8.78 | 8.70 | 9.60 | 9.69 | ... | |||||||||||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18.5 | 18.3 | 19.1 | 19.8 | 19.6 | ... | |||||||||||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.2 | 17.8 | 19.0 | 19.7 | 19.1 | ... | |||||||||||||||
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | 16.6 | 17.7 | 16.1 | 15.3 | 14.2 | ... | ||||||||||||||||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | ... | 19.4 | 20.4 | 18.9 | 18.6 | 18.3 | ... | ||||||||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.93 | 9.28 | 9.70 | 10.4 | 10.5 | ... | |||||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 44.9 | 45.2 | 41.8 | 43.1 | 43.3 | ... |
| 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 | 2019 |
| ratios | |||||||||||||||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | ... | 12.9 | 12.6 | 11.8 | 12.9 | 14.4 | |||||||||||||||||||
| ROA | % | ... | ... | ... | ... | ... | ... | 1.56 | 1.43 | 1.38 | 1.51 | 1.55 | |||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | 1.59 | 1.44 | 1.56 | 1.55 | 1.39 | |||||||||||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | 42.6 | 42.6 | 46.2 | 44.2 | 43.1 | |||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 15.8 | 16.4 | 16.3 | 16.2 | 18.6 | |||||||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15.8 | 16.4 | 16.3 | 16.2 | 18.0 | |||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | 2.57 | 2.36 | 2.32 | 2.32 | 2.16 | |||||||||||||||||||
| Interest Spread | % | ... | ... | ... | ... | ... | ... | ... | 2.38 | 2.22 | 2.21 | 2.24 | 2.09 | ||||||||||||||||||
| Asset Yield | % | ... | ... | ... | ... | ... | ... | ... | 3.90 | 3.44 | 3.10 | 2.95 | 2.77 | ||||||||||||||||||
| Cost Of Liabilities | % | ... | ... | ... | ... | ... | ... | ... | 1.52 | 1.22 | 0.892 | 0.710 | 0.681 | ||||||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 67.7 | 67.5 | 92.4 | 55.5 | 59.6 | |||||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 68.6 | 69.8 | 68.8 | 66.4 | 67.0 | |||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 22.9 | 22.0 | 22.4 | 21.0 | 20.8 | |||||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 8.45 | 8.15 | 8.76 | 12.6 | 12.2 | |||||||||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | 3,331 | 3,105 | 2,816 | 2,745 | 3,060 | ||||||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | ... | ... | ... | 65,164 | 66,354 | 67,223 | 69,254 | 71,845 | ||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | 51.2 | 51.9 | 47.3 | 50.1 | 54.7 | ||||||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | 11.2 | 11.5 | 11.9 | 11.4 | 10.2 | |||||||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | 72.9 | 70.5 | 79.9 | 83.0 | 77.9 | |||||||||||||||||||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | ... | 54.8 | 51.9 | 59.7 | 62.9 | 59.3 | |||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | 5.60 | 5.21 | 4.20 | 3.80 | 3.06 | |||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | 64.2 | 70.4 | 68.7 | 67.2 | 61.7 | |||||||||||||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 3.74 | 3.81 | 2.97 | 2.62 | 1.93 | ||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 0.376 | 0.268 | 0.209 | 0.327 | -0.067 |
| 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 | 2019 |
| other data | |||||||||||||||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | 399 | 399 | 397 | 406 | 401 | ||||||||||||||||||||
| Employees | 8,604 | 8,520 | 8,421 | 8,458 | 8,492 | ||||||||||||||||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | 729 | 754 | 772 | 768 | 764 | ||||||||||||||||||||
| Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.59 | 1.63 | 1.65 | 1.65 | 1.66 | |||||||||||||||
| E-Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.17 | 1.27 | 1.34 | 1.39 | 1.42 | |||||||
| Payment Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,562 | 1,532 | 1,618 | 1,595 | 1,693 | |||||||||||||||
| Debit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,363 | 1,342 | 1,417 | 1,401 | 1,399 | |||||||||||||||
| Credit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 199 | 191 | 201 | 194 | 294 | |||||||||||||||
| 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 | ||||||||||||||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 373,796 | 384,186 | 342,000 | 442,900 | 424,600 |
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By Helgi Analytics - February 6, 2020
Komercni Banka's capital adequacy ratio reached 19.7% at the end of fourth quarter of 2019, up from 19.4% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 19.7% in 4Q2019 and an all time low of 11.6% in 1Q2008. ...
By Helgi Analytics - February 6, 2020
Komercni Banka's net interest margin amounted to 2.06% in the fourth quarter of 2019, up from 1.96% 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 1....
By Helgi Analytics - February 6, 2020
Komercni Banka's non-performing loans reached 2.13% of total loans at the end of 2019-12-31, down from 2.71% 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 2.13% in 2019-12-31. P...
By Helgi Analytics - February 6, 2020
Komercni Banka's cost to income ratio reached 45.6% in the fourth quarter of 2019, up from 42.5% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 54.4% of income in 1Q2017 and an all time low of 37.2% in 1Q201...
By Helgi Analytics - February 6, 2020
Komercni Banka's loans reached CZK 656,600 mil in the fourth quarter of 2019, down from CZK 657,100 mil when compared to the previous quarter and up from CZK 636,600 mil when compared to the same period of last year. Historically, the bank’s loans r...
By Helgi Analytics - February 6, 2020
Komercni Banka stock traded at CZK 830 per share at the end fourth quarter of 2019 implying a market capitalization of USD 6,608 mil. Since the end of 4Q2014, the stock has depreciated by -12.5 % implying an annual average growth of -2.64 %. In absolute terms, the val...
By Helgi Analytics - February 6, 2020
Komercni Banka generated total banking revenues of CZK 8,136 mil in the fourth quarter of 2019, down 3.97% when compared to the same period of last year and 1.56% when compared to the previous quarter. Historically, the bank’s revenues containing of interest,...
By Helgi Analytics - February 6, 2020
Komercni Banka stock traded at CZK 830 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 6,608 mil. Over the last five years, the stock has depreciated by -12.5 % implying an annual average growth of -2.64 %. In absolute terms, the...
By Helgi Analytics - February 6, 2020
Komercni Banka's retail loans reached CZK 324,800 mil at the end of 2019-12-31, up 1.28% compared to the previous year. In the last decade, the average annual loan growth amounted to 6.46%. Overall, retail loans accounted for 50.2% of the bank's loan book a...
By Helgi Analytics - February 6, 2020
Komercni Banka's customer loan growth reached 3.57% in 2019-12-31, down from 5.28% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 41.5% in 2006-03-31 and an all time low of -30.2% in 2000-12-31. In the las...
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 0.143% and 4.48% a year on average in the last 10 years. Its loans and deposits have grown by 5.69% and 4.06% a year during that time and loans to deposits ratio reached 78.8% at the end of 2019. The company achieved an average return on equity of 13.8% in the last decade with net profit growing 3.08% a year on average. In terms of operating efficiency, its cost to income ratio reached 45.8% in 2019, compared to 43.2% average in the last decade.
Equity represented 10.4% of total assets or 17.3% of loans at the end of 2019. Komercni Banka's non-performing loans were 2.13% of total loans while provisions covered some 58.5% of NPLs at the end of 2019.
Komercni Banka stock traded at CZK 830 per share at the end of 2019 resulting in a market capitalization of USD 6,608 mil. Over the previous five years, stock price fell by 12.5% or 2.64% a year on average. That’s compared to an average ROE of 13.4% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 10.5x and price to book value (PBV) of 1.40x in 2019.
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