KB prezent. angl - Komerční banka
KB prezent. angl - Komerční banka KB prezent. angl - Komerční banka
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
Financial<br />
Highlights<br />
Unconsolidated data<br />
IFRS<br />
% 2003 2002 2001<br />
Ratios<br />
Return on Average Equity, ROAE 25.0 30.6 11.6<br />
Return on Average Assets, ROAA 2.1 2.0 0.6<br />
Capital Adequacy – ČNB 15.4 13.4 14.3<br />
Net Interest Margin 3.0 3.3 3.6<br />
Cost/Income Ratio 53.6 56.5 63.3<br />
IFRS – International Financial Reporting Standards<br />
Unconsolidated data 2003 2002 2001<br />
Other Data<br />
Number of Employees, Average 8,683 8,935 9,873<br />
Number of Points of Sale 335 331 323<br />
Number of ATMs 519 440 335<br />
Number of EFT-POS 10,104 8,480 6,019<br />
Rating Short-term Long-term<br />
Fitch F1 A<br />
Moody’s Prime-1 A1<br />
Standard & Poor’s A-2 BBB
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