KB prezent. angl - Komerční banka

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002 ➔003 Annual Report 2003 Komerční banka, a. s. 1,331 By the end of 2003, Komerční banka was serving 1, 331 thousand clients. During the year the Bank acquired 69 thousand new individual customers. 647 647 thousand customers, i.e. nearly one half of the Bank’s client base were using one of the direct banking services at the end of 2003. 335 KB clients were served in 335 points of sale across the whole of the Czech Republic. 20 new branches were opened during 2003.
8 The total loan portfolio of the Bank increased year on year by 8% to CZK 130.9 billion. % 9,262 The Bank reported net unconsolidated profit of CZK 9,262 million in accordance with IFRS. Compared to 2002 the net profit increased by 5.7%
Page 1 and 2: AR ➔ 03 Annual Report Komerční
Page 3: KB was named “The Trustworthiest
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 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
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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,
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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
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
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(G) Operational risk The Group does
Page 167 and 168:
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
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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