Key Financial Information

According to International Financial Reporting Standards (IFRS)

Consolidated data (CZK million)
Consolidated data (CZK million) 2015 2014 2013
Financial results  
Net banking income 30,131 30,677 30,894
of which Net interest income 20,456 21,423 21,207
of which Net fees and commissions 6,956 6,752 7,077
Total operation costs -13,439 -13,065 -13,148
Attributable net profit 12,758 12,954 12,528
Balance sheet  
Total assets 891,556 953,261 863,980
Loans to customers, net 532,617 494,706 473,089
Amounts due to customers 666,407 701,867 649,158
Total shareholders' equity 106,229 109,494 96,538
Ratios (%)  
Return on average equity, ROAE1 12.22% 12.95% 13.09%
Return on average assets, ROAA2 1.38% 1.43% 1.52%
Capital adequacy3 16.34% 16.42% 15.81%
Net interest margin 2.43% 2.56% 2.80%
Cost/income ratio 44.60% 42.59% 42.56%
Unconsolidated data
Unconsolidated data 2015 2014 2013
Other data  
Number of employees, average 7,538 7,624 7,706
Number of points of sale 397 399 399
Number of clients (thousands) 1,647 1,626 1,589
Number of ATM 772 754 729

1) Net profit attributable to shareholders / average shareholders’ equity excl. minority interest

2) Net profit attributable to shareholders / average assets

3) According to Basel II methodology in 2013, Basel III since 2014