KB prezent. angl - Komerční banka

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046 ➔047 Report of the Board of Directors Factoring KB, a. s. Shareholder structure Core business Market position Key products Main developments in 2003 Key plans for 2004 100% KB share Factoring Fourth place on the factoring market by size of the factoring portfolio Domestic factoring Foreign factoring Reverse factoring Doubling of the number of active clients Substantial increase in new contracts through the distribution network of Komerční banka High level of business representation in co-operation with the KB business centres in key regions Financial summary CAS, CZK thousand 2003 2002 Total assets 2,882,118 2,189,126 Factoring portfolio 2,796,832 2,082,142 Shareholders’ equity 126,995 118,534 Share capital 84,000 84,000 Net factoring income 116,036 119,784 Profit before tax 13,436 16,201 Profit after tax 8,618 10,182 Contact Factoring KB, a. s. Na Poříčí 36, P.O. Box 59, 110 02 Praha 1 Phone: +420 222 825 111, Fax: +420 224 814 628 Corp. ID: 25148290, E-mail: info@factoringkb.cz Internet: www.factoringkb.cz
Komerční banka Bratislava, a. s. Shareholder structure Core business Market position Key products Main developments in 2003 Key plans for 2004 100% KB share Complete banking services for corporate clients Trade finance and settlement between the Czech Republic and the Slovak Republic Niche position on the Slovak market (almost 1% of the Slovak market), focus on corporate clients Current, term and saving accounts Domestic and international payments with a special regime Cash operations – international liquidity management Loans and guarantees Foreign exchange instruments (spot, forward) Derivatives Interest rate instruments (forward rate agreements, swaps) Money market deposits and loans Issuance agent for EuroCard/MasterCard Capital market operations and trade finance E-banking Leasing products – KB Leasing, KB Fleet Lease Implementation of a new company strategy focused on corporate clients Extended range of Société Générale Group products for corporates (leasing products) Focus on key corporates on the Slovak market Financial summary IFRS, CZK thousand 2003 2002 Total assets 2,876,551 4,117,529 Loans to customers 1,639,686 1,729,005 Deposits from customers 1,869,313 1,369,516 Shareholders’ equity 552,099 496,026 Share capital 393,550 393,550 Net interest income 112,649 96,014 Profit after tax 56,072 27,649 CZK/SKK exchange rate as at 31 December 2003 (CNB) Contact Komerční banka Bratislava, a. s. Medená 6, P.O. Box 137, 811 00 Bratislava, Slovak Republic Phone: +421 259 277 111, 259 277 329, Fax: +421 252 964 801, 252 961 959 Corp. ID: 31395074, E-mail: koba@koba.sk Internet: www.koba.sk
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 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: Investiční kapitálová společno
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
Page 67 and 68: 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
Page 75 and 76: The Bank has carried in its balance
Page 77 and 78: Certain derivative transactions, wh
Page 79 and 80: 8. Administrative expenses In addit
Page 81 and 82: Reserves for off balance sheet expo
Page 83 and 84: CZK million 2003 2002 2001 Profit/(
Page 85 and 86: Set out below is an analysis by ter
Page 87 and 88: Syndicated loans granted Non-bankin
Page 89 and 90: Securities available for sale Secur
Page 91 and 92: Investments held to maturity Invest
Page 93 and 94: Company name and legal status Direc
Page 95 and 96: 17. Tangible and intangible fixed a
Page 97 and 98: 19. Amounts owed to banks CZK milli
Page 99 and 100:
23. Subordinated liabilities In 199
Page 101 and 102:
Loan collateral Collateral values a
Page 103 and 104:
(C) Financial derivatives The Bank
Page 105 and 106:
(D) Interest rate risk Interest rat
Page 107 and 108:
CZK million On demand Up to 3 month
Page 109 and 110:
Financial commitments and contingen
Page 111 and 112:
Principal balances owed to the Soci
Page 113 and 114:
Unconsolidated Financial Statements
Page 115 and 116:
Unconsolidated Statement of Changes
Page 117 and 118:
Consolidated Financial Statements u
Page 119 and 120:
Consolidated Balance Sheet as of 31
Page 121 and 122:
Consolidated Cash Flow Statement fo
Page 123 and 124:
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
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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
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Set out below is an analysis by ter
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Debt securities available for sale
Page 145 and 146:
25. Investments in associates and u
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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
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(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
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Shares 38,009,852 listed ordinary b
Page 173 and 174:
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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