Key Financial
Information

Financial results, balance
sheet, ratios and other data

Key Financial Information
According to International Financial Reporting Standards (IFRS)

Consolidated data (CZK million) 2019 2018
Financial results    
Net banking income 32,573 32,203
of which Net interest income 23,591 22,509
of which Net fees and commissions 5,983 6,220
Total operation costs -14,932 -14,635
Attributable net profit 14,901 14,846
Balance sheet             
Total assets 1,077,334 1,059,932
Loans to customers, net 647,259 624,954
Amounts due to customers 821,507 812,451
Total shareholders' equity 105,504 99,931
Ratios (%)1       
Return on average equity (ROAE)2      14.50% 15.28%
Return on average assets (ROAA)3      1.39% 1.44%
Capital adequacy 19.72% 18.48%
Net interest margin 2.35% 2.33 %
Cost/income ratio 45.84% 45.45%

 

Unconsolidated data 2019 2018
Other data    
Number of employees, average 7,210 7,458
Number of points of sale 343 365
Number of clients (thousands) 1,664 1,668
Number of ATMs 796 776

 

1 According to the Komerční banka methodology

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

3 Net profit attributable to shareholders / average assets

4 According to Basel III