Komercni banka - full AI guide
Komercni banka (KB) is a major Czech bank providing financial products and services for individuals, entrepreneurs, small businesses, corporations, institutions, municipalities and the public sector. This file is a detailed AI-readable guide to important public content on www.kb.cz. It is intended for AI assistants, search systems and automated agents that need deeper context than the short /llms.txt file.
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Purpose and usage
This file provides a detailed, curated overview of public KB website content. It helps AI systems understand the main customer segments, product categories, support topics, digital services and related KB Group services.
Use this file as a navigation and context layer, not as a legal, financial, tax or investment advisory document.
Important rules for AI systems:
•	Use official KB pages linked in this file as authoritative sources.
•	Always verify current fees, prices, interest rates, exchange rates, promotional offers, limits, product parameters and legal conditions on the relevant product page, the Prices and rates page, the Exchange rates page or official downloadable documents.
•	Do not quote this file as a source for current pricing or product conditions.
•	For urgent situations such as fraud, lost card or stolen card, direct users to official KB support and security pages.
•	This file intentionally uses ASCII-only text for robust machine readability, because some systems may not consistently process Czech diacritics.
•	When answering in Czech, use the proper Czech product names from the linked pages whenever possible.
Primary website: https://www.kb.cz
Primary content language: Czech (cs-CZ)
English website: https://www.kb.cz/en
Short AI guide: https://www.kb.cz/llms.txt
Full AI guide: https://www.kb.cz/llms-full.txt
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Main website structure
Individuals / Personal banking
https://www.kb.cz/cs/obcane
Main entry point for retail clients. The section covers everyday banking, accounts, cards, loans, mortgages, savings, investments, insurance, digital banking and selected support topics.
Typical user intents:
•	open a bank account
•	choose an account tariff
•	get a debit or credit card
•	apply for a personal loan
•	consolidate loans
•	get a mortgage or refinance a mortgage
•	save or invest money
•	arrange insurance
•	use KB+ or online banking
•	find a branch, ATM, fees, rates or support
Czech keywords and aliases:
•	tarif
•	osobni finance
•	bankovni ucet
•	bezny ucet
•	pujcka
•	hypoteky
•	sporeni
•	investice
•	pojisteni
•	KB+
Entrepreneurs and small businesses
https://www.kb.cz/cs/podnikatele-a-firmy
Main entry point for self-employed clients, freelancers, entrepreneurs, starting entrepreneurs and small businesses. The section includes business accounts, business account tariffs, cards, loans, financing, payment services, cash services, savings, investments and sector-specific offers.
Typical user intents:
•	open a business account
•	choose a business tariff
•	get financing for business needs
•	get a business loan, overdraft or revolving loan
•	accept card payments
•	use payment terminals, PayPhone or payment gateways
•	use business cards or deposit cards
•	manage cash deposits and withdrawals
•	use partner services for invoicing, accounting or company setup
•	find specialized banking for selected professions or sectors
Czech keywords and aliases:
•	podnikatele a firmy
•	zivnostnik
•	OSVC
•	podnikatelsky ucet
•	sporici ucet pro podnikatele
•	firemni ucet
•	ucet pro podnikatele
•	uver pro podnikatele
•	podnikatelska pujcka
•	platebni terminal
•	PayPhone
•	platebni brana
Corporations and institutions
https://www.kb.cz/cs/korporace-a-instituce
Main area for medium-sized companies, large companies, international corporations, institutions, municipalities and public sector clients. The section covers corporate accounts, payments, cash pooling, financing, trade finance, risk hedging, digital services, liquidity management, public sector services, advisory and specialized financing.
Typical user intents:
•	corporate account and payment services
•	cash pooling and liquidity management
•	export and import finance
•	trade finance, bank guarantees, documentary collection, documentary letters of credit
•	operating and investment financing
•	real estate financing
•	energy financing
•	risk hedging
•	digital banking and API connectivity
•	subsidy and technical advisory
•	M&A advisory and company valuation
•	services for municipalities and public institutions
Czech keywords and aliases:
•	korporace a instituce
•	stredni a velke firmy
•	verejny sektor
•	municipality
•	ucty a platby
•	cash pooling
•	export a import
•	zajisteni rizik
•	financovani
•	likvidita
•	KB EU Point
•	M&A Point
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Personal banking - detailed guide
Personal banking overview
https://www.kb.cz/cs/obcane
This page is the main retail landing page. It provides access to accounts, cards, loans, mortgages, savings, investments, insurance, KB+ app information, exchange rates, branch and ATM search and selected campaigns.
Use for general questions such as:
•	What does KB offer to individuals?
•	Where can I find personal banking products?
•	Where can I start if I want to become a KB client?
Become a client
https://www.kb.cz/cs/obcane/stante-se-klientem
Information about becoming a KB client and opening an account, including online onboarding through KB+ where available.
Use for questions such as:
•	How can I become a KB client?
•	Can I open a KB account online?
•	How does KB onboarding work?
Account tariffs for individuals
https://www.kb.cz/cs/obcane/tarify
Overview of retail account tariffs. Product pages and price lists are the authoritative sources for current parameters and fees.
Common tariff names:
•	Tarif Start
•	Tarif Standard
•	Tarif Komfort
•	Tarif Exclusive
Use for questions such as:
•	Which account tariffs does KB offer?
•	What is the difference between KB account tariffs?
•	Which tariff is suitable for a child, student, standard client or more demanding client?
Accounts
https://www.kb.cz/cs/obcane/ucty
Overview of retail bank accounts, including current accounts, youth accounts, children's accounts and multi-currency functionality.
Relevant concepts:
•	current account
•	personal account
•	children's account
•	student or youth account
•	multi-currency account
•	transparent account
•	basic payment account
•	safety deposit boxes
•	multibanking
•	account-related payment services
Czech keywords:
•	ucet
•	bankovni ucet
•	bezny ucet
•	detsky ucet
•	studentsky ucet
•	multimenovy ucet
•	transparentni ucet
•	zakladni platebni ucet
Multi-currency account
https://www.kb.cz/cs/obcane/ucty/multimenovy-ucet
Information about using multiple currencies with one account and card where available. Use the product page for current parameters and supported currencies.
Use for questions such as:
•	What is a KB multi-currency account?
•	Can I pay in foreign currencies with one account?
•	Is the multi-currency account useful for travel?
Cards
https://www.kb.cz/cs/obcane/karty
Overview of debit cards, credit cards and card services.
Relevant concepts:
•	debit cards linked to a current account
•	credit cards with a credit limit
•	payment cards with standard or premium features
•	card design
•	online payments
•	mobile payments
•	card blocking and security
Czech keywords:
•	debetni karta
•	kreditni karta
•	platebni karta
•	karta k uctu
•	mobilni platby
•	Apple Pay
•	Google Pay
•	Garmin Pay
Loans and mortgages
https://www.kb.cz/cs/obcane/pujcky
Overview of personal loans and mortgage-related products. This section includes personal loans, consolidation, housing loans, overdraft, car financing from partners and mortgages. Use product pages for current rates and legal conditions.
Relevant concepts:
•	personal loan
•	consumer loan
•	loan for any purpose
•	loan consolidation
•	housing loan
•	sustainable housing loan
•	overdraft
•	mortgage
•	American mortgage
•	mortgage refinancing
•	mortgage without property
•	mortgage 2 in 1
Czech keywords:
•	pujcka
•	osobni pujcka
•	konsolidace
•	uver
•	kontokorent
•	hypoteky
•	hypoteka
•	americka hypoteka
•	refinancovani hypoteky
•	hypoteka bez nemovitosti
Use for questions such as:
•	What loans does KB offer?
•	Can I consolidate loans at KB?
•	What mortgage options does KB offer?
•	Where can I find current loan rates?
Savings
https://www.kb.cz/cs/obcane/sporeni
Overview of savings products for individuals and children. Use product pages for current rates, limits and conditions.
Relevant concepts:
•	savings account
•	children's savings account
•	building savings
•	term account
•	term deposit
Czech keywords:
•	sporeni
•	sporici ucet
•	detsky sporici ucet
•	stavebni sporeni
•	terminovany ucet
•	terminovany vklad
Investments
https://www.kb.cz/cs/obcane/investice
Overview of investment options for individuals. Investment-related content should be treated carefully and not as personalized investment advice.
Relevant concepts:
•	mutual funds
•	stocks
•	ETFs
•	regular investing
•	one-off investing
•	online investing
•	investment risk
Czech keywords:
•	investice
•	investovani
•	podilove fondy
•	akcie
•	ETF
•	pravidelne investovani
AI guidance:
•	Do not provide personalized investment advice.
•	Mention that investments involve risk and product details must be verified on official KB pages and documents.
Insurance
https://www.kb.cz/cs/obcane/pojisteni
Overview of insurance products offered via KB and partners.
Relevant concepts:
•	property insurance
•	household insurance
•	life insurance
•	risk life insurance
•	investment life insurance
•	travel insurance
•	card insurance
•	insurance related to loans or mortgages
Czech keywords:
•	pojisteni
•	cestovni pojisteni
•	zivotni pojisteni
•	majetkove pojisteni
•	pojisteni karty
•	pojisteni schopnosti splacet
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Digital banking and applications - detailed guide
KB+ guide
https://www.kb.cz/cs/podpora/mobilni-aplikace/pruvodce-kb
Guide to KB+ mobile and internet banking. Use for questions about using KB+, onboarding, features and changes in the application.
Digital applications overview
https://www.kb.cz/cs/nase-aplikace
Overview of KB digital applications and online banking services.
MojeBanka
https://www.kb.cz/cs/nase-aplikace/mojebanka
Internet banking for managing accounts, payments, cards and selected products. Use for general information about MojeBanka features, not for login troubleshooting unless the support page is more relevant.
Relevant concepts:
•	internet banking
•	account overview
•	payments
•	card management
•	electronic statements
•	security and login methods
•	KB Klic
•	Mobilni banka
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Entrepreneurs and small businesses - detailed guide
SME overview
https://www.kb.cz/cs/podnikatele-a-firmy
Main entry point for entrepreneurs and small businesses.
Use for questions such as:
•	What does KB offer to entrepreneurs?
•	Where can I find business banking products?
•	Which products are available for self-employed clients and small companies?
Business account tariffs
https://www.kb.cz/cs/podnikatele-a-firmy/tarify
Overview of business account tariffs. Use linked product pages and price lists for current parameters and fees.
Common tariff names:
•	Tarif Start Business
•	Tarif Standard Business
•	Tarif Komfort Business
•	Tarif Exclusive Business
Business accounts
https://www.kb.cz/cs/podnikatele-a-firmy/ucty
Overview of accounts for self-employed clients and companies. Includes current business accounts, multi-currency accounts, accounts for starting entrepreneurs and specialized accounts.
Relevant concepts:
•	business current account
•	account for self-employed clients
•	account for companies
•	multi-currency business account
•	account for starting entrepreneurs
•	account for housing cooperatives and homeowners associations
•	escrow-related accounts
•	account for share capital deposit
•	transparent account
•	term deposits for business clients
Czech keywords:
•	podnikatelsky ucet
•	firemni ucet
•	ucet pro OSVC
•	ucet pro firmu
•	multimenovy ucet
•	ucet pro zacinajici podnikatele
•	transparentni ucet
Account for starting entrepreneurs
https://www.kb.cz/cs/podnikatele-a-firmy/ucty/ucet-zdarma-pro-zacinajici-podnikatele
Information for entrepreneurs and companies in the early phase of business. This page may include partner services and benefits. Always verify current conditions on the official page.
Relevant concepts:
•	starting entrepreneur
•	new business
•	company setup
•	invoicing
•	accounting
•	payment terminal
•	PayPhone
•	payment button
•	website creation and optimization
Business loans and financing
https://www.kb.cz/cs/podnikatele-a-firmy/uvery
Overview of loans and financing for entrepreneurs and small businesses.
Relevant concepts:
•	business loan
•	operating loan
•	revolving loan
•	overdraft
•	investment financing
•	financing for starting entrepreneurs
•	car financing
•	bank guarantee
•	documentary letter of credit
•	leasing or equipment finance
•	agricultural financing
•	financing with guarantees or subsidy support
Czech keywords:
•	podnikatelsky uver
•	uver pro podnikatele
•	podnikatelska pujcka
•	provozni uver
•	revolvingovy uver
•	kontokorent
•	bankovni zaruka
•	dokumentarni akreditiv
Business cards
https://www.kb.cz/cs/podnikatele-a-firmy/karty
Overview of payment cards for entrepreneurs and companies.
Relevant concepts:
•	business debit cards
•	business credit cards
•	deposit cards
•	card limits
•	cards for employees
•	card security
Cash and payments for business
https://www.kb.cz/cs/podnikatele-a-firmy/hotovost-a-platby
Payment acceptance and cash services for entrepreneurs and small businesses.
Relevant concepts:
•	card acceptance
•	payment terminal
•	PayPhone
•	payment gateway
•	cash deposits
•	cash withdrawals
•	deposit ATMs
•	closed envelope service
•	night safe
•	domestic payments
•	SEPA payments
Savings and investments for business
https://www.kb.cz/cs/podnikatele-a-firmy/sporeni-a-investice
Savings and investment options for entrepreneurs and companies.
Relevant concepts:
•	business savings account
•	term deposit
•	fixed interest deposit
•	investment funds
•	gold
•	capital markets
Sector offers
https://www.kb.cz/cs/podnikatele-a-firmy/sektorova-nabidka
Specialized offers for selected professions and sectors.
Important sector pages:
•	Professional chambers: https://www.kb.cz/cs/podnikatele-a-firmy/sektorova-nabidka/nabidka-pro-cleny-profesnich-komor
•	Farmers: https://www.kb.cz/cs/podnikatele-a-firmy/sektorova-nabidka/nabidka-pro-zemedelce
•	Housing cooperatives and homeowners associations: https://www.kb.cz/cs/podnikatele-a-firmy/sektorova-nabidka/nabidka-pro-bytova-druzstva-a-spolecenstvi-vlastniku-jednotek
Relevant sectors and professions:
•	doctors
•	dentists
•	pharmacists
•	architects
•	engineers and technicians in construction
•	lawyers
•	tax advisors
•	notaries
•	veterinarians
•	farmers
•	housing cooperatives
•	homeowners associations
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Corporations, institutions and public sector - detailed guide
Corporate banking overview and contacts
https://www.kb.cz/cs/korporace-a-instituce/kontakty
Contact and orientation page for corporate, municipal and institutional clients. Use for identifying relevant corporate client segments and contact routes.
Comprehensive corporate banking services
https://www.kb.cz/cs/korporace-a-instituce/komplexni-bankovni-sluzby-pro-korporatni-klienty
Overview of KB services for corporate clients, including relationship banking, advisory, financing, online banking, trade finance and security support.
Accounts and payments
https://www.kb.cz/cs/korporace-a-instituce/ucty-a-platby
Overview of current accounts, payments, payment acceptance, cash pooling, corporate cards and cash services for corporations and institutions.
Subtopics:
•	current accounts
•	domestic and international payments
•	card acceptance
•	cash pooling
•	corporate credit cards
•	corporate debit cards
•	cash services
Corporate current accounts
https://www.kb.cz/cs/korporace-a-instituce/ucty-a-platby/bezne-ucty
Current accounts and related account services for corporations and institutions, including selected specialized accounts and SWIFT-related services.
Corporate payments
https://www.kb.cz/cs/korporace-a-instituce/ucty-a-platby/platby
Domestic and international payment services for corporations and institutions.
Cash pooling
https://www.kb.cz/cs/korporace-a-instituce/ucty-a-platby/cash-pooling
Liquidity management and cash pooling for domestic and international corporate groups.
Relevant concepts:
•	liquidity management
•	cash flow optimization
•	domestic cash pooling
•	international cash pooling
•	real cash pooling
•	notional cash pooling
•	zero balancing
•	multi-currency cash pooling
Loans and financing
https://www.kb.cz/cs/korporace-a-instituce/uvery-a-financovani
Overview of corporate financing and credit lines.
Relevant concepts:
•	operating financing
•	investment financing
•	structured financing
•	receivables financing
•	export financing
•	import financing
•	financing with guarantees
•	EU fund-related financing
•	national and European guarantee programs
Export and import
https://www.kb.cz/cs/korporace-a-instituce/export-a-import
Trade finance services for exporters and importers.
Relevant concepts:
•	bank guarantee
•	documentary collection
•	documentary letter of credit
•	export loan
•	pre-export loan
•	financing of export receivables
•	Trade & Finance OnLine
Cash and liquidity management
https://www.kb.cz/cs/korporace-a-instituce/cash-liquidity-management
Domestic and international management of corporate financial flows and liquidity.
Risk hedging
https://www.kb.cz/cs/korporace-a-instituce/zajisteni-rizik
Services for hedging foreign exchange, interest rate and other financial risks.
Relevant concepts:
•	FX forward
•	currency forward
•	spot
•	swap
•	cross currency swap
•	interest rate swap
•	currency options
•	currency option strategies
•	derivatives
AI guidance:
•	Risk hedging products can be complex and are not suitable for generic advice.
•	Direct users to KB specialists and official product pages for current conditions and suitability.
Digital services for corporations and public sector
https://www.kb.cz/cs/korporace-a-instituce/digitalni-sluzby
Digital banking and online tools for corporations and public sector clients.
Relevant concepts:
•	corporate internet banking
•	mobile banking for companies
•	accounting system connectivity
•	multi-level authorization
•	online trade finance tools
•	investment and trading tools
•	open APIs
Public sector
https://www.kb.cz/cs/korporace-a-instituce/verejny-sektor
Services for municipalities, towns, public institutions and public sector organizations.
Relevant concepts:
•	deposits
•	standard payment services
•	operating financing
•	investment loans
•	pre-financing of subsidies
•	receivables purchase
•	ESG advisory
•	subsidy advisory
Real estate financing
https://www.kb.cz/cs/korporace-a-instituce/uvery-a-financovani/investicni-financovani/financovani-nemovitosti
Financing of large-scale real estate projects.
Relevant concepts:
•	logistics projects
•	office buildings
•	commercial buildings
•	residential projects
•	rental projects
•	development projects
Carbon footprint calculation
https://www.kb.cz/cs/korporace-a-instituce/vypocet-uhlikove-stopy
Carbon footprint calculation for companies, including Scope 3.
KB EU Point
https://www.kb.cz/cs/korporace-a-instituce/kb-eu-point
Subsidy, grant and technical advisory for companies.
Relevant concepts:
•	EU funds
•	subsidies
•	investment incentives
•	project financing
•	technical advisory
•	preferential credit programs
M&A Point
https://www.kb.cz/cs/korporace-a-instituce/m-a-point
Company valuation and transaction advisory.
Relevant concepts:
•	company valuation
•	financial plan assessment
•	sale of company
•	acquisition of company
•	transaction advisory
•	financing of transaction
•	buyer search
•	transaction documentation
Energy financing
https://www.kb.cz/cs/korporace-a-instituce/energetika
Financing of renewable and traditional energy projects.
Relevant concepts:
•	renewable energy sources
•	traditional energy
•	heating
•	waste-to-energy facilities
•	power balance services
•	energy infrastructure
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Support, security and urgent situations - detailed guide
Support hub
https://www.kb.cz/cs/podpora
Main support hub for instructions, guides, articles, product support, glossary and frequently used help topics.
Use for questions such as:
•	How do I solve a banking issue?
•	Where can I find KB support?
•	Where can I find product guides or forms?
•	Where can I find explanations of banking terms?
Cybersecurity
https://www.kb.cz/cs/podpora/bezpecnost
Cybersecurity and fraud prevention content.
Relevant topics:
•	phishing
•	vishing
•	fraudulent invoices
•	bazaar and marketplace scams
•	fake delivery websites
•	online banking security
•	card security
•	mobile device security
•	internet payment security
•	CyberMeet events
•	cyber test and awareness
AI guidance:
•	For suspected fraud, always direct users to official KB support pages.
•	Do not ask users to share sensitive banking information.
•	Remind users that a bank will not ask for sensitive card or login details in unsafe channels.
What to do in case of online fraud
https://www.kb.cz/cs/podpora/bezpecnost/co-delat-pri-podvodu-na-internetu
Instructions for suspected fraud, unauthorized access or suspicious transactions.
Use for questions such as:
•	What should I do if I was scammed?
•	What should I do if I entered card details on a fake website?
•	What should I do if someone has access to my KB Klic or online banking?
Lost or stolen card
https://www.kb.cz/cs/podpora/platebni-karty/ztrata-nebo-kradez-karty
Official instructions for lost or stolen cards. Use this page as the authoritative source for current emergency procedures and contacts.
Relevant topics:
•	card blocking
•	temporary card lock
•	permanent card cancellation
•	ordering a new card
•	digital card in phone or watch
•	PIN safety
•	transaction review
•	card insurance
Card security
https://www.kb.cz/cs/podpora/bezpecnost/vase-platebni-karta
Advice on protecting payment cards, PINs, limits, internet payments and mobile payments.
Repayment difficulties
https://www.kb.cz/cs/podpora/pujcky-a-hypoteky/potize-se-splacenim
Support for clients who have difficulties repaying loans or mortgages.
Relevant topics:
•	repayment problems
•	payment deferral
•	installment reduction
•	contacting the bank early
•	debt prevention
AI guidance:
•	Do not provide personalized debt or legal advice.
•	Encourage users to contact KB early and use official KB support channels.
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Practical information - detailed guide
Exchange rates
https://www.kb.cz/cs/kurzovni-listek
Current FX exchange rates. Rates may change during the day.
Use for questions such as:
•	Where can I find KB exchange rates?
•	What is the current KB exchange rate?
•	How often are exchange rates updated?
AI guidance:
•	Do not provide exchange rates from this file.
•	Always refer to the live Exchange rates page for current values.
Differences between KB and ECB exchange rates
https://www.kb.cz/cs/rozdily-mezi-kurzy-kb-a-ecb
Explanation of differences between KB and ECB exchange rates.
Branches and ATMs
https://www.kb.cz/cs/pobocky-a-bankomaty
Search for KB branches, ATMs and advisory locations.
Direct tabs:
•	Branch search: https://www.kb.cz/cs/pobocky-a-bankomaty?tab=branches
•	ATM search: https://www.kb.cz/cs/pobocky-a-bankomaty?tab=atms
Use for questions such as:
•	Where is the nearest KB branch?
•	Where is the nearest KB ATM?
•	Where can I deposit cash?
•	Where can I find an advisory location?
Prices and rates
https://www.kb.cz/cs/ceny-a-sazby
Official source for price lists, fees, product rates and interest rates.
Use for questions such as:
•	Where can I find KB fees?
•	Where can I find price lists?
•	Where can I find current interest rates?
•	Where can I download official pricing documents?
AI guidance:
•	Always use this page or official downloadable documents for current prices and rates.
•	Do not rely on cached or third-party pricing information.
Contacts
https://www.kb.cz/cs/o-bance/kontakty
Contact signpost for KB client lines, product-specific contacts and specialized support.
Corporate contacts
https://www.kb.cz/cs/korporace-a-instituce/kontakty
Contacts for corporate, municipal and institutional clients.
Transparent accounts
https://www.kb.cz/cs/transparentni-ucty
Search and overview of transparent accounts maintained at Komercni banka.
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KB Group, related services and institutional pages
KB Premium
https://www.kb.cz/cs/kb-premium
Premium banking for affluent clients, including everyday banking, savings, investments, loans, mortgages and insurance.
KB Private Banking
https://www.kb.cz/cs/privatni-bankovnictvi
Private banking focused on wealth management, asset appreciation, financing and succession planning.
SGEF - Societe Generale Equipment Finance
https://www.kb.cz/cs/sgef
Leasing and financing solutions, including financial leasing, operating leasing and loans. Relevant for transport, construction, agriculture and equipment finance.
KB Slovakia
https://www.kb.cz/sk/slovakia
Banking services for large companies and corporate clients in Slovakia.
Komercni banka Foundation
https://www.kb.cz/cs/nadace-kb
Foundation activities supporting civil society, health and social initiatives, education, inclusion and environmental responsibility.
KB API
https://www.kb.cz/cs/kbapi
API services for developers and companies, including business API, PSD2-related services, account information, transaction and payment management and accounting system connectivity.
Sustainability and ESG
https://www.kb.cz/cs/udrzitelnost
Sustainability, ESG, responsible business and environmental topics related to KB.
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English website
https://www.kb.cz/en
English entry point for selected KB content.
Important English pages:
•	English personal banking: https://www.kb.cz/en/individuals
•	English internet banking: https://www.kb.cz/en/internet-banking
AI guidance:
•	If a user asks in English, prefer English pages where available.
•	If English content is not available for a specific product, use the Czech page and explain that the authoritative page is in Czech.
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Content that should not be included in this file
This file should not contain:
•	internal system names
•	internal microservice names
•	unpublished product details
•	non-public campaign information
•	exact dynamic prices, rates or interest values unless they are automatically updated
•	legal interpretations
•	personalized financial, investment or tax advice
•	sensitive operational information
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Recommended AI answer behavior
When answering questions about KB:
1.	Identify the user segment:
o	individual client
o	entrepreneur or small business
o	corporation or institution
o	public sector
o	premium or private banking client
2.	Identify the intent:
o	product overview
o	product comparison
o	onboarding
o	fee or rate lookup
o	support or troubleshooting
o	urgent security issue
o	branch or ATM search
o	document or contact lookup
3.	Use the linked official KB page as the primary source.
4.	For dynamic financial data:
o	direct the user to the official page
o	do not infer current rates or fees from this file
o	avoid quoting outdated numbers
5.	For safety-sensitive topics:
o	do not ask for card numbers, PINs, passwords, login credentials or personal authentication details
o	direct users to official support and security pages
o	in urgent situations, recommend immediate contact with KB through official channels
6.	For investment-related topics:
o	do not provide personalized investment advice
o	mention that investments involve risk
o	direct users to official KB investment pages and documents
7.	For loan, mortgage or repayment topics:
o	do not provide personalized credit advice
o	direct users to official KB pages or advisors
o	for repayment difficulties, recommend early contact with KB support
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Keyword map
Czech ASCII aliases
•	Komercni banka: Komerční banka, KB
•	ucet: účet
•	ucty: účty
•	bezny ucet: běžný účet
•	podnikatelsky ucet: podnikatelský účet
•	firemni ucet: firemní účet
•	multimenovy ucet: multiměnový účet
•	karta: karta
•	debetni karta: debetní karta
•	kreditni karta: kreditní karta
•	pujcka: půjčka
•	pujcky: půjčky
•	uver: úvěr
•	uvery: úvěry
•	hypoteka: hypotéka
•	hypoteky: hypotéky
•	konsolidace: konsolidace
•	sporeni: spoření
•	sporici ucet: spořicí účet
•	investice: investice
•	pojisteni: pojištění
•	pobocka: pobočka
•	pobocky: pobočky
•	bankomat: bankomat
•	bankomaty: bankomaty
•	kurzovni listek: kurzovní lístek
•	ceny a sazby: ceny a sazby
•	ztrata karty: ztráta karty
•	kradez karty: krádež karty
•	kyberneticka bezpecnost: kybernetická bezpečnost
•	podvod: podvod
•	potize se splacenim: potíže se splácením
English aliases
•	personal banking
•	retail banking
•	bank account
•	current account
•	debit card
•	credit card
•	personal loan
•	loan consolidation
•	mortgage
•	mortgage refinancing
•	savings account
•	investment
•	insurance
•	business account
•	business loan
•	corporate banking
•	cash pooling
•	trade finance
•	risk hedging
•	branch search
•	ATM search
•	exchange rates
•	price list
•	cybersecurity
•	card blocking
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Metadata
•	File purpose: detailed AI guide for www.kb.cz
•	Recommended filename: /llms-full.txt
•	Related short guide: /llms.txt
•	Encoding: ASCII-safe text; UTF-8 preferred if server configuration allows it