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) 2018 2017
Financial results    
Net banking income 32,203 31,060
of which Net interest income 22,509 20,985
of which Net fees and commissions 6,220 6,284
Total operation costs -14,635 -14,510
Attributable net profit 14,846 14,930
Balance sheet             
Total assets 1,059,932 1,001,652
Loans to customers, net 624,954 593,639
Amounts due to customers 812,451 762,043
Total shareholders' equity 99,931 94,450
Ratios (%)2       
Return on average equity (ROAE)3     15.28% 15.07%
Return on average assets (ROAA)4     1.44% 1.55%
Capital adequacy 18.48% 18.63%
Net interest margin 2.33% 2.33%
Cost/income ratio 45.45% 46.72% 

 

Unconsolidated data 2018 2017
Other data    
Number of employees, average 7,458 7,551
Number of points of sale 365 387
Number of clients (thousands) 1,667 1,664
Number of ATMs 776 764

 

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