Basic Information

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

History

• 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.