KB prezent. angl - Komerční banka

Survey of Financial Results
1999 – 2003
Survey of Financial Results 1999 – 2003
CZK million Unconsolidated data 2003 2002 2001 2000 1999
Net interest income 11,937 12,447 12,989 12,287 11,947
Net fees and commissions 8,711 8,320 8,394 7,181 4,350
Total operating income 21,889 22,597 23,809 21,805 20,390
Total operating costs (11,728) * (12,760) * (15,065) * (13,783) * (12,770)
Net profit/(loss) 9,262 8,763 2,532 (19) (9,782)
International Financial
Reporting Standards (IFRS)
Total assets 447,565 439,753 421,720 402,205 390,122
Loans to customers, net 130,900 121,154 135,197 126,943 181,754
Amounts due to customers 349,505 341,114 321,345 287,624 259,191
Total shareholders’ equity 40,399 33,758 23,598 20,211 17,776
Return on average equity, ROAE (%) 24.98 30.56 11.56 x x
Return on average assets, ROAA (%) 2.09 2.03 0.61 x x
Net interest margin (%) 3.00 3.25 3.64 3.62 3.42
Cost/income ratio (%) 53.58 56.47 63.27 63.21 62.63
Operating costs on an employee (CZK thousand) (1,351) (1,428) (1,526) (1,162) (947)
Net profit on an employee (CZK thousand) 1,067 981 256 x x
Total assets on an employee (CZK thousand) 51,545 49,217 42,714 33,898 28,926
Czech Accounting Standards
(CAS) **
Methodology
of the Czech
National Bank ***
Net interest income 11,962 12,614 13,565 12,344 11,915
Net fees and commissions 5,780 6,232 5,981 4,422 4,350
Total operating costs (10,120) (11,705) (12,066) (11,022) (11,039)
Net profit/(loss) 9,310 9,229 2,624 (149) (9,242)
Total assets 451,397 445,982 429,659 407,558 439,110
Amounts due from customers 160,149 163,806 193,774 133,977 183,644
Amounts owed to customers 315,808 305,788 289,638 272,228 259,191
Total shareholders’ equity 40,419 33,804 23,668 20,034 17,826
Return on average equity, ROAE (%) 25.09 32.12 12.01 x x
Return on average assets, ROAA (%) 2.07 2.11 0.63 x x
Capital adequacy (%) 15.37 13.35 14.30 14.38 10.69
Tier 1 27,734 22,138 19,951 20,100 15,084
Tier 2 2,272 6,091 9,607 9,973 9,882
Tier 3 0 0 0 0 0
Deductible items from Tier 1 and Tier 2 2,590 1,896 1,387 1,322 1,994
Capital requirement A 14,543 15,164 15,071 15,424 17,193
Capital requirement B 776 638 688 573 N/A
Number of employees (average) 8,683 8,935 9,873 11,865 13,487
Number of points of sale 335 331 323 342 349
Note: * Including restructuring costs.
** Excluding 1999 all periods according to the methodology effective since 2002.
*** Data for 2003 according to a new methodology.