Komercní banka, a.s. (PRA: KOMB)

Komercní banka, a.s. Income Statement

Financials in millions CZK. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	-	119,128	93,146	35,558	36,485	44,006
Interest Income on Investments	-	-	2	2	6	5
Total Interest Income	-	119,128	93,148	35,560	36,491	44,011
Interest Paid on Deposits	-	93,533	64,514	13,763	15,125	20,415
Net Interest Income	25,052	25,595	28,634	21,797	21,366	23,596
Net Interest Income Growth (YoY)	-5.65%	-10.61%	31.37%	2.02%	-9.45%	3.91%
Gain (Loss) on Sale of Assets	-6	-6	150	42	15	10
Gain (Loss) on Sale of Investments	298	298	-5	-9	-	8
Other Non-Interest Income	10,578	10,306	10,003	9,558	8,298	8,969
Total Non-Interest Income	10,870	10,598	10,148	9,591	8,313	8,987
Non-Interest Income Growth (YoY)	6.32%	4.43%	5.81%	15.37%	-7.50%	-5.45%
Revenues Before Loan Losses	35,922	36,193	38,782	31,388	29,679	32,583
Provision for Loan Losses	2,005	14	1,181	731	4,578	-572
Revenue	33,917	36,179	37,601	30,657	25,101	33,155
Revenue Growth (YoY)	-10.42%	-3.78%	22.65%	22.13%	-24.29%	0.91%
Salaries and Employee Benefits	8,626	8,267	7,725	7,528	7,506	7,714
Occupancy Expenses	3,706	3,393	3,023	2,833	2,706	2,450
Selling, General & Administrative	5,808	5,661	5,307	4,808	4,678	4,760
Other Non-Interest Expense	-2,716	94	-33	3	70	-46
Total Non-Interest Expense	15,111	17,085	15,806	14,951	14,712	14,572
EBT Excluding Unusual Items	18,806	19,094	21,795	15,706	10,389	18,583
Asset Writedown	13	13	1	274	-24	8
Pretax Income	18,819	19,107	21,837	16,020	10,284	18,591
Income Tax Expense	2,891	3,288	3,998	3,028	1,985	3,419
Earnings From Continuing Operations	15,928	15,819	17,839	12,992	8,299	15,172
Minority Interest in Earnings	-130	-207	-217	-265	-143	-271
Net Income	15,798	15,612	17,622	12,727	8,156	14,901
Net Income to Common	15,798	15,612	17,622	12,727	8,156	14,901
Net Income Growth	-6.99%	-11.41%	38.46%	56.04%	-45.27%	0.37%
Basic Shares Outstanding	189	189	189	189	189	189
Diluted Shares Outstanding	189	189	189	189	189	189
EPS (Basic)	83.65	82.67	93.31	67.39	43.19	78.90
EPS (Diluted)	83.65	82.67	93.31	67.39	43.19	78.90
EPS Growth	-6.99%	-11.41%	38.46%	56.04%	-45.27%	0.37%
Dividend Per Share	82.660	82.660	60.420	43.800	23.860	-
Dividend Growth	36.81%	36.81%	37.95%	83.57%	-	-
Effective Tax Rate	15.36%	17.21%	18.31%	18.90%	19.30%	18.39%

Source: S&P Capital IQ. Banks template. Financial Sources.