KB prezent. angl - Komerční banka

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174 ➔175 Legal Information Description of Real Estate owned by the Bank Komerční banka owns immovables used mostly for the business activities for which it is licensed under existing legislation. CAS, CZK million As at 31 December 2003 Purchase Accumulated Net book price depreciation value and provisions Land 382 0 382 Buildings 12,154 4,408 7,746 As at 31 December 2003 Number Area in m 2 Land 497 346,112 Buildings 231 479,130 See also Notes to the Unconsolidated Financial Statements according to CAS, Note No 17 –- Tangible and intangible fixed assets.
Investments Investments made by the company Financial investments CAS, CZK million As at 31 December 2003 As at 31 December 2002 Bonds 26,957 26,140 Shares 233 2,262 Equity investments in subsidiary and associated undertakings 1,424 1,588 Total 28,614 29,990 Main investments – excluding financial investments * CAS, CZK million As at 31 December 2003 As at 31 December 2002 Tangible fixed assets 9,692 9,486 Intangible fixed assets 1,967 1,097 Total tangible and intangible fixed assets 11,659 10,583 Tangible fixed assets held under finance leases 249 417 Note: * Net book value of investments. See also Notes to the Unconsolidated Financial Statements according to CAS, Note No. 17 – Tangible and intangible fixed assets. The Bank realised all investments in the Czech Republic. Main investments planned by the Bank – excluding financial investments The investments planned by Komerční banka for the year 2004 amount to approximately CZK 3.5 billion. The biggest portion of the total amount represents investments related to IT. The Bank’s investment plans may change in the future depending on developments in related conditions, i.e. the actual investments may differ from the plan.
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AR ➔ 03 Annual Report Komerční
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KB was named “The Trustworthiest
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8 The total loan portfolio of the B
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Statutory Bodies and Organisation S
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Retail Banking Komerční banka’s
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Financial Highlights Unconsolidated
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Alexis Juan The product and service
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Major Events in 2003 Restructuring
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Information on Komerční banka Sha
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In 2003, both imports and exports a
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To achieve this target Komerční b
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The Distribution Network Komerční
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Retail Banking Individuals In the b
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Corporate Banking Medium Enterprise
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Risk Management Risk management at
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Provisions and reserves With regard
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Methods for measuring market risk a
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Price setting ALM is in charge of e
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Information Technology and Operatio
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Corporate Citizenship - Company Act
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Net operating income Net operating
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LIABILITIES Amounts due to banks Am
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Restructuring process The restructu
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Investiční kapitálová společno
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Komerční banka Bratislava, a. s.
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Komerční pojišťovna, a. s. Shar
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Všeobecná stavební spořitelna K
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Statutory Bodies and Organisation S
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Directors Committee The Directors C
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Shareholders Shareholders Sharehold
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Auditors’ Report for Shareholders
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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
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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
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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,
Page 125 and 126: (b) Basis of consolidation Subsidia
Page 127 and 128: The Group assesses on a regular bas
Page 129 and 130: (m) Sale and repurchase agreements
Page 131 and 132: 5. Net interest income Net interest
Page 133 and 134: Social security costs include retir
Page 135 and 136: The balance of reserves for other c
Page 137 and 138: 17. Cash and current balances with
Page 139 and 140: Debt trading securities at fair val
Page 141 and 142: Set out below is an analysis by ter
Page 143 and 144: 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
Page 157 and 158: 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
Page 173 and 174: Komerční banka Shares Type: ordin
Page 175: Surrender of GDRs Upon surrender of
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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