Komercní banka Balance Sheet Health
Financial Health criteria checks 5/6
Komercní banka has total assets of CZK1,585.7B and total equity of CZK132.1B. Total deposits are CZK1,174.5B, and total loans are CZK892.9B earning a Net Interest Margin of 1.7%. It has insufficient allowance for bad loans, which are currently at 1.8% of total loans. Cash and short-term investments are CZK131.7B.
Key information
12x
Asset to equity ratio
1.7%
Net interest margin
| Total deposits | Kč1.17t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.8% |
| Allowance for bad loans | Low |
| Current ratio | Good |
| Cash & equivalents | Kč131.74b |
Recent financial health updates
No updates
Recent updates
Komercní banka (SEP:KOMB) Is Paying Out A Larger Dividend Than Last Year
Apr 28
Digital Revolution And Asset Expansion Will Propel Revenue And Boost Profitability
Strong growth in mutual funds and digital transformation efforts could boost revenue through increased fee, commission, and operational efficiency improvements.Komercní banka, a.s. Just Missed EPS By 62%: Here's What Analysts Think Will Happen Next
Aug 04Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: KOMB's Assets to Equity ratio (12x) is moderate.
Allowance for Bad Loans: KOMB has a low allowance for bad loans (74%).
Low Risk Liabilities: 81% of KOMB's liabilities are made up of primarily low risk sources of funding.
Loan Level: KOMB has an appropriate level of Loans to Assets ratio (56%).
Low Risk Deposits: KOMB's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: KOMB has an appropriate level of bad loans (1.8%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/05/23 17:36 |
| End of Day Share Price | 2025/05/23 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Komercní banka, a.s. is covered by 32 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Ivan Bokhmat | Barclays |
| Andreas Markou | Berenberg |
| Kamil Kliszcz | Biuro maklerskie mBanku |