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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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