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Key financial Information
According to International Financial Reporting Standards (IFRS)
Consolidated data (CZK million) financial results
Financial results
2024 | 2023 | 2022 1 | |
|---|---|---|---|
| Net operating income | 36 786 | 36 199 | 38 632 |
| of which Net interest income | 25 278 | 25 595 | 28 632 |
| of which Net fees and commissions | 7 291 | 6 414 | 6 121 |
| of which Net profit on financial operations | 4 217 | 3 832 | 3 666 |
| Total operating expenses | -17 725 | -17 321 | -16 014 |
| Profit attributable to the Group’s equity holders | 17 243 | 15 612 | 17 622 |
| Earnings per share (CZK) | 91,30 | 82,67 | 93,31 |
Balance sheet
2024 | 2023 | 2022 | |
|---|---|---|---|
| Total assets | 1 536 000 | 1 516 302 | 1 305 304 |
| Loans and advances to customers, net | 853 022 | 833 542 | 781 463 |
| Amounts due to customers | 1 174 525 | 1 127 227 | 950 693 |
| Total shareholders’ equity 2 | 126 658 | 125 058 | 121 444 |
Ratios (%) 3
2024 | 2023 | 2022 | |
|---|---|---|---|
| Return on average equity (ROAE) | 13,7 | 12,67 | 14,39 |
| Return on average assets (ROAA) | 1,13 | 1,11 | 1,38 |
| Net interest margin | 1,74 | 1,94 | 2,42 |
| Cost/income ratio | 48,18 | 47,85 | 41,45 |
Capital3)
2024 | 2023 | 2022 | |
|---|---|---|---|
| Capital adequacy (%) | 18,77 | 18,78 | 19,45 |
| Tier 1 ratio (%) | 17,64 | 17,68 | 18,86 |
| Tier 1 | 99 903 | 99 718 | 98 616 |
| Tier 2 | 6 404 | 6 154 | 3 122 |
| Total regulatory capital | 106 307 | 105 872 | 101 738 |
| Total risk-weighted assets | 566 326 | 563 886 | 522 975 |
Other data
2024 | 2023 | 2022 | |
|---|---|---|---|
| Number of employees, average | 7 456 | 7 551 | 7 503 |
Separate data (CZK million) other data
2024 | 2023 | 2022 | |
|---|---|---|---|
| Number of employees, average | 6 381 | 6 499 | 6 553 |
| Number of points of sale 4 | 205 | 213 | 219 |
| Number of clients (thousands) | 1 727 | 1 664 | 1 652 |
| Number of ATMs | 791 | 796 | 850 |
- 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 2024.