Key financial Information

According to International Financial Reporting Standards (IFRS)

Consolidated data (CZK million) financial results

Financial results


202220212020
Net operating income38 63231 34629 664
of which Net interest income28 63221 79521 360
of which Net fees and commissions6 1215 7115 210
of which Net profit on financial operations3 6663 6302 884
Total operating expenses-16 014-15 099-14 995
Profit attributable to the Group’s equity holders17 55612 7278 156
Earnings per share (CZK)92,9667,3943,19

Balance sheet


202220212020
Total assets1 304 0631 244 3531 167 131
Loans and advances to customers, net781 463724 587679 956
Amounts due to customers950 693956 922906 217
Total shareholders’ equity1)120 203123 509113 816

Ratios (%)2)


202220212020
Return on average equity (ROAE)14,4110,737,44
Return on average assets (ROAA) 1,381,060,73
Net interest margin2,421,932,03
Cost/income ratio41,4548,1750,55

Capital3)


202220212020
Capital adequacy (%)19,4521,3122,34
Tier 1 ratio (%)18,8620,8721,73
Tier 198 616101 07297 906
Tier 23 1222 1362 784
Total regulatory capital101 738103 209100 690
Total risk-weighted assets522 975484 372450 628

Other data


202220212020
Number of employees, average7 5037 6878 061

Separate data (CZK million) other data


202220212020
Number of employees, average6 5536 7367 104
Number of points of sale4)219243243
Number of clients (thousands)1 6521 6251 641
Number of ATMs850860809
  1. Excluding Non-controlling interest.
  2. According to the Komerční banka methodology.
  3. According to Basel III.
  4. Including one branch in Slovakia.

Definitions of the Alternative Performance Measures are provided in the respective section of the Annual report 2022.

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