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Key financial Information
According to International Financial Reporting Standards (IFRS)
Consolidated data (CZK million) financial results
Financial results
2022 | 2021 | 2020 | |
---|---|---|---|
Net operating income | 38 632 | 31 346 | 29 664 |
of which Net interest income | 28 632 | 21 795 | 21 360 |
of which Net fees and commissions | 6 121 | 5 711 | 5 210 |
of which Net profit on financial operations | 3 666 | 3 630 | 2 884 |
Total operating expenses | -16 014 | -15 099 | -14 995 |
Profit attributable to the Group’s equity holders | 17 556 | 12 727 | 8 156 |
Earnings per share (CZK) | 92,96 | 67,39 | 43,19 |
Balance sheet
2022 | 2021 | 2020 | |
---|---|---|---|
Total assets | 1 304 063 | 1 244 353 | 1 167 131 |
Loans and advances to customers, net | 781 463 | 724 587 | 679 956 |
Amounts due to customers | 950 693 | 956 922 | 906 217 |
Total shareholders’ equity1) | 120 203 | 123 509 | 113 816 |
Ratios (%)2)
2022 | 2021 | 2020 | |
---|---|---|---|
Return on average equity (ROAE) | 14,41 | 10,73 | 7,44 |
Return on average assets (ROAA) | 1,38 | 1,06 | 0,73 |
Net interest margin | 2,42 | 1,93 | 2,03 |
Cost/income ratio | 41,45 | 48,17 | 50,55 |
Capital3)
2022 | 2021 | 2020 | |
---|---|---|---|
Capital adequacy (%) | 19,45 | 21,31 | 22,34 |
Tier 1 ratio (%) | 18,86 | 20,87 | 21,73 |
Tier 1 | 98 616 | 101 072 | 97 906 |
Tier 2 | 3 122 | 2 136 | 2 784 |
Total regulatory capital | 101 738 | 103 209 | 100 690 |
Total risk-weighted assets | 522 975 | 484 372 | 450 628 |
Other data
2022 | 2021 | 2020 | |
---|---|---|---|
Number of employees, average | 7 503 | 7 687 | 8 061 |
Separate data (CZK million) other data
2022 | 2021 | 2020 | |
---|---|---|---|
Number of employees, average | 6 553 | 6 736 | 7 104 |
Number of points of sale4) | 219 | 243 | 243 |
Number of clients (thousands) | 1 652 | 1 625 | 1 641 |
Number of ATMs | 850 | 860 | 809 |
- Excluding Non-controlling interest.
- According to the Komerční banka methodology.
- According to Basel III.
- Including one branch in Slovakia.
Definitions of the Alternative Performance Measures are provided in the respective section of the Annual report 2022.