Key Financial Information

According to International Financial Reporting Standards (IFRS)

Consolidated data (CZK million)
Consolidated data (CZK million) 2016 2015 Restated1 2014
Financial results  
Net banking income 31 750 31 044 30 677
of which Net interest income 21 067 21 357 21 423
of which Net fees and commissions 6 683 6 968 6 752
Total operation costs -14 026 -14 352 -13 065
Attributable net profit 13 688 12 758 12 954
Balance sheet  
Total assets 922 737 891 556 953 261
Loans to customers, net 580 198 532 617 494 706
Amounts due to customers 699 377 656 287 701 867
Total shareholders' equity 105 401 106 229 109 494
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 adequacy5 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
Unconsolidated data 2016 2015 2014
Other data  
Number of employees, average 7 549 7 538 7 624
Number of points of sale 391 397 399
Number of clients (thousands) 1 654 1 647 1 626
Number of ATM 768 772 754

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