Komerční banka, a.s. ( “KB” or the “Bank”):
- is the parent company of KB Group (the “Group”) and a member of the Société Générale Group
- ranks among the leading banking institutions in the Czech Republic and in Central and Eastern Europe
- is a universal bank providing a wide range of services in retail, corporate and investment banking
- is accessible through KB’s branch network, its direct banking channels, and the subsidiaries’ own sales networks
Member companies of Komerční banka Group provide additional specialized financial services:
- pension funds
- building society schemes
- consumer lending
All of the services are accessible through the dense network of KB branches, its own distribution network, and thanks to modern, on-line services, such as direct banking.
Service for corporate clients of Komerční banka is provided by two segments, usually according to annual turnover (sales) and number of products used.
Companies with turnover from CZK 60 million to 1500 million are generally served by the Corporate sales centers.
Clients with a higher turnover are usually served by the Top Corporations divisions, which are located in Prague, Brno and Bratislava.
Komerční banka in the Slovak Republic
- provides its clients with services via a branch called “Komerční banka, a.s., pobočka zahraničnej banky”
- is especially focused on large and medium-sized enterprises with a turnover of EUR 33 million or more
- offers standard banking services, including:
- Cash Management
- Electronic banking
- Payment cards
- Investment banking products
- Trade Finance, where KB holds the leading position in the Czech Republic.
The position of the KB branch in Slovakia is especially strong as it has the know-how of the parent KB and uses synergies within KB and SG Group, thanks to which it is able to provide its clients with comprehensive financial solutions.
An individual and personal approach and custom-made products, tailored to suit the requirements of the specific client, constitute an integral part of the offer of services. The KB branch in the Slovak Republic does not offer cash operations.
More detailed information is available at: www.koba.sk
Komerční banka and KB Group in 2011
In 2011, Komerční banka offered its services
- to 1.6 million clients
- via 397 branches
- via 693 ATMs across the Czech Republic
The majority of customers also made use of internet, telephone and mobile phone banking channels.
Komerční banka’s branch network includes:
- 20 specialized business centers designed for medium enterprises and municipalities
- 4 centers dedicated to large corporations.
In 2010, services on the Slovak market were provided through the subsidiary Komerční banka Bratislava. Today, they are offered by KB’s own branch dedicated to serving corporate clients.
Modrá pyramida stavební spořitelna served 649,000 clients.
Penzijní fond KB had 508,000 participants registered in its pension schemes.
The number of active clients at the consumer finance company ESSOX was 288,000.
The average number of employees in KB Group was 8,774 in 2011.
As of the end of March 2012, KB’s long-term credit ratings were as follows:
- A from Standard & Poor’s
- A from Fitch Ratings
- A2 from Moody’s Investors Service
- 1990 - Komerční banka was established as a state institution
- 1992 - it was transformed into a joint-stock company. KB’s shares have been listed on the Prague Stock Exchange, as well as in the RM-System, since its inception.
- 1995 - Global depository receipts (GDRs) representing KB shares are traded on the London Stock Exchange.
- 2001 - the state’s 60% holding in Komerční banka was purchased by Société Générale. Following privatization, KB began significantly to develop its activities for individual customers and entrepreneurs, in addition to building on its traditionally strong position in the enterprises and municipalities market.
- Komerční banka purchases the remaining 60% of shares in Modrá pyramida. Thereby, Komerční banka attained full control over the Czech Republic’s third largest building society and could expand its re tail activities.
- 31 December 2010 - KB was combined in a cross-border merger with Komerční banka Bratislava. Komerční banka became the successor bank and, as such, assumed all assets and liabilities of its former subsidiary and continued operations in Slovakia through a branch.
Société Générale Group
Komerční banka has been an important part of Societé Générale Group’s international retail banking since October 2001. Société Générale Group is one of the largest European financial services groups. Société Générale Group’s teams offer advice and services to individual, corporate and institutional customers in three core businesses:
- Retail Banking in France through Société Générale branch network, Credit du Nord and Boursorama;
- International retail banking, with a presence in Central and Eastern Europe and Russia, the Mediterranean basin, Sub-Saharan Africa, Asia and the French Overseas Territories;
- Corporate and investment banking, with global expertise in investment banking, financing and global markets.
In 2011, some 157,000 employees of SG Group in 85 countries were serving 33 million clients.
SG Group’s net profit reached EUR 2.4 billion for the year 2011.
Its capital adequacy under Basel II standards stood at 11.7% as of end of 2011, of which the core Tier 1 ratio was 10.7%.
As of 2 March 2012, SG was rated A1 by Moody’s, A by Standard & Poor’s, and A+ by Fitch.
In 2001, Société Générale became the first publicly traded French bank to commit itself to the United Nations Environment Programme Finance Initiative’s Statement by Financial Institutions on the Environment and Sustainable Development.
A member since 2003, each year Société Générale Group renews its commitment to the United Nations Global Compact in the areas of human rights, labor standards, environment and anti-corruption.
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