Key financial Information

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) 2016   2015 Restated1 2014
Financial results      
Net banking income 31,750.00 31,044.00 30,677.00
of which Net interest income 21,067.00 21,357.00 21,423.00
of which Net fees and commissions 6,683.00   6,968.00 6,752.00
Total operation costs -14,026.00 -14,352.00 -13,065.00
Attributable net profit 13,688.00 12,758.00 12,954.00
Balance sheet               
Total assets 922,737.00 891,556.00 953,261.00
Loans to customers, net 580,198.00 532,617.00 494,706.00
Amounts due to customers 699,377.00 656,287.00 701,867.00
Total shareholders' equity 105,401.00 106,229.00 109,494.00
Ratios (%)2         
Return on average equity, ROAE3     13.42 % 12.22 % 12.95 %
Return on average assets, ROAA4     1.51 % 1.38 % 1.43 %
Capital adequacy 16.18 % 16.34 % 16.42 %
Net interest margin 2.53 %

2.60 %    

n.a.
Cost/income ratio 44.18 % 46.23 %  42.59 %

 

Unconsolidated data 2016 2015 2014
Other data      
Number of employees, average 7,549.00 7,538.00 7,624.00
Number of points of sale 2016.00 2015.00 2014.00
Number of clients (thousands) 391.00 397.00 399.00
Number of ATMs 768.00 772.00 754.00

 

1) Comparative information has been restated to reflect the presentation of the current period

2) According to the Komerční banka methodology

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

4) Net profit attributable to shareholders / average assets

5) According to Basel III methodology