- 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 and 10: Retail Banking Komerční banka’s
- Page 11 and 12: Financial Highlights Unconsolidated
- Page 13: Alexis Juan The product and service
- 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
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Unconsolidated Profit and Loss Stat
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Liabilities CZK million Item no. Na
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Statement of Changes in Equity for
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State guarantee covering losses on
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(e) Securities Securities held by t
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The Bank has carried in its balance
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Certain derivative transactions, wh
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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
- Page 87 and 88:
Syndicated loans granted Non-bankin
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Securities available for sale Secur
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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
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19. Amounts owed to banks CZK milli
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23. Subordinated liabilities In 199
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Loan collateral Collateral values a
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(C) Financial derivatives The Bank
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(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
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Unconsolidated Financial Statements
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Unconsolidated Statement of Changes
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Consolidated Financial Statements u
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Consolidated Balance Sheet as of 31
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Consolidated Cash Flow Statement fo
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In the year ended 31 December 2002,
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(b) Basis of consolidation Subsidia
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The Group assesses on a regular bas
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(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
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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
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25. Investments in associates and u
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28. Amounts due to customers Amount
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Other provisions are composed of th
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35. Commitments and contingent liab
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Remaining maturity of remaining ins
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2003 2002 Number of the Management
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Loan collateral Collateral values a
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(C) Financial derivatives The Group
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(D) Interest rate risk Interest rat
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CZK million On demand Up to 3 month
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(G) Operational risk The Group does
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Survey of Financial Results 1999 -
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The Bank shall further carry on bus
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Shares 38,009,852 listed ordinary b
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Komerční banka Shares Type: ordin
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Surrender of GDRs Upon surrender of
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Investments Investments made by the
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Report on Relations Among Related E
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Investment banking arrangements In
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Komerční banka, a. s. Na Příkop