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Key financial Information
According to International Financial Reporting Standards (IFRS)
Consolidated data (CZK million) financial results
Financial results
2023 | 2022 1 | 2021 | |
|---|---|---|---|
| Net operating income | 36 199 | 38 632 | 31 346 |
| of which Net interest income | 25 595 | 28 632 | 21 795 |
| of which Net fees and commissions | 6 414 | 6 121 | 5 711 |
| of which Net profit on financial operations | 3 832 | 3 666 | 3 630 |
| Total operating expenses | -17 321 | -16 014 | -15 099 |
| Profit attributable to the Group’s equity holders | 15 612 | 17 622 | 12 727 |
| Earnings per share (CZK) | 82,67 | 93,31 | 67,39 |
Balance sheet
2023 | 2022 | 2021 | |
|---|---|---|---|
| Total assets | 1 516 302 | 1 305 304 | 1 244 353 |
| Loans and advances to customers, net | 833 542 | 781 463 | 724 587 |
| Amounts due to customers | 1 127 227 | 950 693 | 956 922 |
| Total shareholders’ equity 2 | 125 058 | 121 444 | 123 509 |
Ratios (%) 3
2023 | 2022 | 2021 | |
|---|---|---|---|
| Return on average equity (ROAE) | 12,67 | 14,39 | 10,73 |
| Return on average assets (ROAA) | 1,11 | 1,38 | 1,06 |
| Net interest margin | 1,94 | 2,42 | 1,93 |
| Cost/income ratio | 47,85 | 41,45 | 48,17 |
Capital3)
2023 | 2022 | 2021 | |
|---|---|---|---|
| Capital adequacy (%) | 18,78 | 19,45 | 21,31 |
| Tier 1 ratio (%) | 17,68 | 18,86 | 20,87 |
| Tier 1 | 99 718 | 98 616 | 101 072 |
| Tier 2 | 6 154 | 3 122 | 2 136 |
| Total regulatory capital | 105 872 | 101 738 | 103 209 |
| Total risk-weighted assets | 563 886 | 522 975 | 484 372 |
Other data
2023 | 2022 | 2021 | |
|---|---|---|---|
| Number of employees, average | 7 551 | 7 503 | 7 687 |
Separate data (CZK million) other data
2023 | 2022 | 2021 | |
|---|---|---|---|
| Number of employees, average | 6 499 | 6 553 | 6 736 |
| Number of points of sale 4 | 213 | 219 | 243 |
| Number of clients (thousands) | 1 664 | 1 652 | 1 625 |
| Number of ATMs | 796 | 850 | 860 |
- Restated to reflect Komerční pojišťovna's transition to the IFRS 17.
- Excluding Non-controlling interest.
- According to the Komerční banka methodology.
- Including one branch in Slovakia.
Definitions of the Alternative Performance Measures are provided in the respective section of the Annual report 2023.