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) 2020 2019
Financial results    
Net operating income 29,664 32,573
         of which Net interest income 21,360 23,591
         of which Net fees and commissions 5,210 5,983
         of which Net profit on financial operations 2,884 2,804
Total operating expenses -14,995 -14,932
Profit attributable to the Group’s equity holders 8,156 14,901
Earnings per share (CZK) 43.19 78.90
Balance sheet             
Total assets 1,167,131 1,077,334
Loans and advances to customers, net 679,956 647,259
Amounts due to customers 906,217 821,507
Total shareholders’ equity1) 113,816 105,540
Ratios (%)2)    
Return on average equity (ROAE) 7.44 14.50
Return on average assets (ROAA)    0.73 1.39
Net interest margin 2.03 2.35
Cost/income ratio 50.55 45.84
Capital3)    
Capital adequacy (%) 22.34 19.72
Tier 1 ratio (%) 21.73 19.14
Tier 1 97,906 84,062
Tier 2 2,784 2,546
Total regulatory capital 100,690 86,608
Total risk-weighted assets 450,628 439,237
Other data    

Number of employees, average

8,061 8,167

 

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 2020.