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Key Financial Information

According to International Financial Reporting Standards (IFRS).

Consolidated data (CZK million)	2011	2010¹	2009¹
Financial results
Net banking income	32,764	32,662	32,195
of which Net interest income	22,190	21,431	21,242
of which Net fees and commissions	7,305	8,038	7,839
Total operation costs	-13,489	-12,942	-13,521
Attributable net profit	9,475	13,330	11,007
Balance sheet
Total assets	754,810	698,014	695,075
Loans to customers, net	434,386	384,593	372,303
Amounts due to customers	560,701	538,051	551,809
Total shareholders' equity	81,850	76,078	68,792

Ratios (%)	2011	2010	2009
Return on average equity, ROAE²	12.3	18.7	17.0
Return on average assets, ROAA	1.3	1.9	1.6
Capital adequacy³	14.6	15.3	14.1
Net interest margin	3.3	3.3	3.3
Cost/income ratio	41.2	39.6	42.0

Unconsolidated data	2011	2010	2009 ¹
Other data⁴
Number of employees, average	7,811	7,747	7,958
Number of points of sale	397	395	398
Number of clients (thousands)	1,602	1,590	1,620
Number of ATM	693	677	685

Credit rating	Short-term	Long-term
Fitch	F1	A
Moody's	Prime-1	A2
Standard & Poor's	A-1	A

1) After reclassification (2010 reclassified according to the methodology of 2011)
2) Net profit attributable to shareholders/ average shareholders’ equity excl. minority interest
3) According to the Czech National Bank methodology, Basel II since 2008
4) KB in the Czech Republic

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