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- Komerční banka Group Financial Results as of 30 June 2025
Komerční banka Group Financial Results as of 30 June 2025
“The first half results confirm a sound revenue trend, strict cost discipline, and our continued consistency in risk management. The brisk growth in the number of Komerční banka’s clients continued, and business performance remains solid despite that client activity was affected by market uncertainty, challenges in international trade, and geopolitical tensions,” commented Jan Juchelka, Chairman and CEO of Komerční banka.
“This year, we will complete the transfer of individual clients to the new digital bank with the KB+ app, and, in the next two years, we will offer KB’s New Era banking services to sole traders and small businesses. In connection with the transformation of the Komerční banka Group, we are continuing to make significant investments in line with the financial capacity generated by the Group’s operations. These investments will secure KB’s strong position and enable us to support our clients in the long term across all challenges of future developments,” added Jan Juchelka.
- KB Group’s lending to customers rose by 4.3% year on year to CZK 859.5 billion. Both corporate and retail lending saw growth.
- Deposits from clients decreased by (2.6%) from a year earlier to CZK 1,031.5 billion. The volume of current accounts increased.
- Volume of non-bank assets (mutual funds, pension funds, life insurance) under management expanded by 8.0% to CZK 290.0 billion.
- Standalone Komerční banka had 1,755,000 customers, up by 47,000 year on year. The Bank continued successfully to migrate clients from legacy systems to the new digital bank with the KB+ app. KB Group was serving 2,176,000 clients.
- First half 2025: Total revenues were up by 3.6% year on year, at CZK 18.2 billion. Operating expenditures decreased by (3.9%) to CZK 8.7 billion. The Group reported CZK (1.0) billion net release of provisions for credit risk. Income taxes reached CZK 1.8 billion. Net profit attributable to the Group’s equity holders, at CZK 8.8 billion, improved by 38.9% year over year.
- Second quarter 2025: Total revenues increased by 3.6% year on year to CZK 9.0 billion. Operating expenditures were lower by (3.4%), at CZK 4.1 billion. The net release of provisions for credit risk in the quarter reached CZK (0.5) billion. Income taxes came to CZK 0.9 billion. Net profit attributable to the Group’s equity holders, at CZK 4.6 billion, was up by 30.6% year on year.
- Volume of regulatory capital reached CZK 104.7 billion, capital adequacy stood at 18.6%, and the Core Tier 1 ratio was 17.7%.
- KB had 78,699 shareholders (greater by 3,791 year on year), of which 72,711 were private individuals from the Czech Republic.