KB prezent. angl - Komerční banka

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008 ➔009 Financial Highlights Unconsolidated data IFRS CZK million 2003 2002 2001 Financial Results Total Operating Income 21,889 22,597 23,809 Total Operating Costs* (11,728) (12,760) (15,065) Net Profit 9,262 8,763 2,532 Balance Sheet Total Assets 447,565 439,753 421,720 Loans to Customers, net 130,900 121,154 135,197 Amounts Due to Customers 349,505 341,114 321,345 Total Shareholders’ Equity 40,399 33,758 23,598 Note: * Including restructuring costs. IFRS – International Financial Reporting Standards
Financial Highlights Unconsolidated data IFRS % 2003 2002 2001 Ratios Return on Average Equity, ROAE 25.0 30.6 11.6 Return on Average Assets, ROAA 2.1 2.0 0.6 Capital Adequacy – ČNB 15.4 13.4 14.3 Net Interest Margin 3.0 3.3 3.6 Cost/Income Ratio 53.6 56.5 63.3 IFRS – International Financial Reporting Standards Unconsolidated data 2003 2002 2001 Other Data Number of Employees, Average 8,683 8,935 9,873 Number of Points of Sale 335 331 323 Number of ATMs 519 440 335 Number of EFT-POS 10,104 8,480 6,019 Rating Short-term Long-term Fitch F1 A Moody’s Prime-1 A1 Standard & Poor’s A-2 BBB
Page 1 and 2: AR ➔ 03 Annual Report Komerční
Page 3 and 4: KB was named “The Trustworthiest
Page 5 and 6: 8 The total loan portfolio of the B
Page 7 and 8: Statutory Bodies and Organisation S
Page 9: Retail Banking Komerční banka’s
Page 13 and 14: Alexis Juan The product and service
Page 15 and 16: Major Events in 2003 Restructuring
Page 17 and 18: Information on Komerční banka Sha
Page 19 and 20: In 2003, both imports and exports a
Page 21 and 22: To achieve this target Komerční b
Page 23 and 24: The Distribution Network Komerční
Page 25 and 26: Retail Banking Individuals In the b
Page 27 and 28: Corporate Banking Medium Enterprise
Page 29 and 30: Risk Management Risk management at
Page 31 and 32: Provisions and reserves With regard
Page 33 and 34: Methods for measuring market risk a
Page 35 and 36: Price setting ALM is in charge of e
Page 37 and 38: Information Technology and Operatio
Page 39 and 40: Corporate Citizenship - Company Act
Page 41 and 42: Net operating income Net operating
Page 43 and 44: LIABILITIES Amounts due to banks Am
Page 45 and 46: Restructuring process The restructu
Page 47 and 48: Investiční kapitálová společno
Page 49 and 50: Komerční banka Bratislava, a. s.
Page 51 and 52: Komerční pojišťovna, a. s. Shar
Page 53 and 54: Všeobecná stavební spořitelna K
Page 55 and 56: Statutory Bodies and Organisation S
Page 57 and 58: Directors Committee The Directors C
Page 59 and 60: Shareholders Shareholders Sharehold
Page 61 and 62:
Auditors’ Report for Shareholders
Page 63 and 64:
FInancial Statements Financial Stat
Page 65 and 66:
Unconsolidated Profit and Loss Stat
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Liabilities CZK million Item no. Na
Page 69 and 70:
Statement of Changes in Equity for
Page 71 and 72:
State guarantee covering losses on
Page 73 and 74:
(e) Securities Securities held by t
Page 75 and 76:
The Bank has carried in its balance
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Certain derivative transactions, wh
Page 79 and 80:
8. Administrative expenses In addit
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Reserves for off balance sheet expo
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CZK million 2003 2002 2001 Profit/(
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Set out below is an analysis by ter
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Syndicated loans granted Non-bankin
Page 89 and 90:
Securities available for sale Secur
Page 91 and 92:
Investments held to maturity Invest
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Company name and legal status Direc
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17. Tangible and intangible fixed a
Page 97 and 98:
19. Amounts owed to banks CZK milli
Page 99 and 100:
23. Subordinated liabilities In 199
Page 101 and 102:
Loan collateral Collateral values a
Page 103 and 104:
(C) Financial derivatives The Bank
Page 105 and 106:
(D) Interest rate risk Interest rat
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CZK million On demand Up to 3 month
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Financial commitments and contingen
Page 111 and 112:
Principal balances owed to the Soci
Page 113 and 114:
Unconsolidated Financial Statements
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Unconsolidated Statement of Changes
Page 117 and 118:
Consolidated Financial Statements u
Page 119 and 120:
Consolidated Balance Sheet as of 31
Page 121 and 122:
Consolidated Cash Flow Statement fo
Page 123 and 124:
In the year ended 31 December 2002,
Page 125 and 126:
(b) Basis of consolidation Subsidia
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The Group assesses on a regular bas
Page 129 and 130:
(m) Sale and repurchase agreements
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5. Net interest income Net interest
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Social security costs include retir
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The balance of reserves for other c
Page 137 and 138:
17. Cash and current balances with
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Debt trading securities at fair val
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Set out below is an analysis by ter
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Debt securities available for sale
Page 145 and 146:
25. Investments in associates and u
Page 147 and 148:
28. Amounts due to customers Amount
Page 149 and 150:
Other provisions are composed of th
Page 151 and 152:
35. Commitments and contingent liab
Page 153 and 154:
Remaining maturity of remaining ins
Page 155 and 156:
2003 2002 Number of the Management
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Loan collateral Collateral values a
Page 159 and 160:
(C) Financial derivatives The Group
Page 161 and 162:
(D) Interest rate risk Interest rat
Page 163 and 164:
CZK million On demand Up to 3 month
Page 165 and 166:
(G) Operational risk The Group does
Page 167 and 168:
Survey of Financial Results 1999 -
Page 169 and 170:
The Bank shall further carry on bus
Page 171 and 172:
Shares 38,009,852 listed ordinary b
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Komerční banka Shares Type: ordin
Page 175 and 176:
Surrender of GDRs Upon surrender of
Page 177 and 178:
Investments Investments made by the
Page 179 and 180:
Report on Relations Among Related E
Page 181 and 182:
Investment banking arrangements In
Page 183:
Komerční banka, a. s. Na Příkop
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KB prezent. angl - Komerční banka

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