Komerční banka Group Financial Results as of 31 December 2025
“Last year, we successfully completed the KB 2025 strategic programme. As part of this largest transformation programme in the history of Czech banking, Komerční banka built a completely new digital banking infrastructure, ranging from core transaction and accounting systems to a new client application. Thanks to this, we have secured KB’s future competitiveness in the rapidly changing technological environment of finance. Even with such fundamental changes, we managed to further increase the number of the Bank’s clients, the volume of business activities with customers, and profitability of the KB Group,” commented Jan Juchelka, Chairman and CEO of Komerční banka.
“In 2025, we transferred our individual clients to the new KB+ banking. This transfer placed a considerable burden on our teams and, to some extent, caused inconvenience for our clients. I’m happy to see how customer satisfaction quickly increases once they become familiar with the benefits of multi-currency accounts, extra services, and the high security of KB+. This year, we will offer KB+ to entrepreneurs and smaller companies as well,” he added.
- KB Group’s lending to customers expanded by 6.8% year on year to CZK 905.8 billion. Lending grew dynamically in both the retail and corporate segments.
- Total volume of standard client deposits at KB Group increased by 5.8% from a year earlier to CZK 1,088.8 billion. The volume of clients’ non-bank assets under management, such as in mutual funds, pension savings, and life insurance, grew by a total of 5.5% to CZK 293.9 billion.
- The number KB Group's customers rose by 42,000 year on year to 2,268,000. Komerční banka gradually transferred its individual clients to its new digital bank with the KB+ app. As of 31 December 2025, the new KB+ app had a total 1,610,000 users.
- Full year 2025: Total revenues were up by 0.2% year on year, at CZK 36.9 billion. Operating expenditures decreased by (4.2%) to CZK 17.0 billion. The Group reported CZK (1.5) billion net release of provisions for credit risk. Income taxes reached CZK 3.5 billion. Net profit attributable to the Group’s equity holders, at CZK 18.1 billion, improved by 4.7% year over year.
- Fourth quarter 2025: Total revenues decreased by (6.9%) year on year to CZK 9.4 billion. Operating expenditures were lower by (3.8%), at CZK 4.2 billion. The net release of provisions for credit risk reached CZK (0.1) billion. Income taxes came to CZK 0.8 billion. Net profit attributable to the Group’s equity holders, at CZK 4.5 billion, was down by (4.9%) year on year.
- Volume of regulatory capital reached CZK 104.0 billion, capital adequacy stood at 17.9%, and the Core Tier 1 ratio was 17.1%.
- The Board of Directors will propose a dividend of CZK 95.60 per share, totalling CZK 18.1 billion. Shareholders will vote on the proposal at the General Meeting set for 23 April 2026.
- KB had 85,981 shareholders (greater by 9,184 year on year), of which 79,893 were private individuals from the Czech Republic.