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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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