Komercní banka Balance Sheet Health
Financial Health criteria checks 5/6
Komercní banka has total assets of CZK1,659.9B and total equity of CZK125.1B. Total deposits are CZK1,319.0B, and total loans are CZK1,369.9B earning a Net Interest Margin of 1.9%. It has insufficient allowance for bad loans, which are currently at 1.3% of total loans. Cash and short-term investments are CZK24.3B.
Key information
13.3x
Asset to equity ratio
1.9%
Net interest margin
| Total deposits | Kč1.32t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.3% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | Kč24.31b |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: KOMB's Assets to Equity ratio (13.3x) is moderate.
Allowance for Bad Loans: KOMB has a low allowance for bad loans (79%).
Low Risk Liabilities: 86% 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 (83%).
Low Risk Deposits: KOMB's Loans to Deposits ratio (104%) is appropriate.
Level of Bad Loans: KOMB has an appropriate level of bad loans (1.3%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 22:56 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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 |
| |
| 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 here.
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 .
Analyst Sources
Komercní banka, a.s. is covered by 33 analysts. 8 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 |