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) 2021 2020
Financial results    
Net operating income 31 346 29 664
         of which Net interest income 21 795 21 360
         of which Net fees and commissions 5 711 5 210
         of which Net profit on financial operations 3 630 2 884
Total operating expenses -15 099 -14 995
Profit attributable to the Group’s equity holders 12 727 8 156
Earnings per share (CZK) 67,39 43,19
Balance sheet             
Total assets 1 244 353 1 167 131
Loans and advances to customers, net 724 587 679 956
Amounts due to customers 956 922 906 217
Total shareholders’ equity1) 123 509 113 816
Ratios (%)2)    
Return on average equity (ROAE) 10,73 7,44
Return on average assets (ROAA)    1,06 0,73
Net interest margin 1,93 2,03
Cost/income ratio 48,17 50,55
Capital3)    
Capital adequacy (%) 21,31 22,34
Tier 1 ratio (%) 20,87 21,73
Tier 1 101 072 97 906
Tier 2 2 136 2 784
Total regulatory capital 103 209 100 690
Total risk-weighted assets 484 372 450 628
Other data    

Number of employees, average

7 687 8 061

 

Separate data (CZK million) 2020 2019
Other data    
Number of employees, average 7,104 7,210
Number of points of sale4) 243 343
Number of clients (thousands) 1,641 1,664
Number of ATMs 809 796

 

1) Excluding Non-controlling interest.

2) According to the Komerční banka methodology.

3) According to Basel III.

4) Including one branch in Slovakia.

Definitions of the Alternative Performance Measures are provided in the respective section of the Annual report 2021.