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Key Financial Information

According to International Financial Reporting Standards (IFRS).

Consolidated data (CZK million) 2012 2011 20101
Financial results  
Net banking income 32,689 32,764 32,386
of which Net interest income 21,947 22,190 21,431
of which Net fees and commissions 7,018 7,305 7,725
Total operation costs -13,511 -13,489 -12,666
Attributable net profit 13,953 9,475 13,330
Balance sheet  
Total assets 786,836 754,810 698,014
Loans to customers, net 451,547 434,386 384,593
Amounts due to customers 579,067 560,701 538,051
Total shareholders' equity 100,577 81,850 76,078
Ratios (%) 2012 2011 20101
Return on average equity, ROAE2 15.8 12.3 18.7
Return on average assets, ROAA 1.8 1.3 1.9
Capital adequacy3 14.7 14.6 15.3
Net interest margin 3.1 3.3 3.3
Cost/income ratio 41.3 41.2 39.1
Unconsolidated data 2012 2011 20101
Other data4  
Number of employees, average 7,845 7,855 7,819
Number of points of sale 399 397 395
Number of clients (thousands) 1,602 1,602 1,590
Number of ATM 702 693 677
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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