Komercní banka, a.s. Income Statement

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

Millions CZK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	95,073	115,337	119,128	93,146	35,558
Interest Income on Investments	3	56	-	2	2
Total Interest Income	95,076	115,393	119,128	93,148	35,560
Interest Paid on Deposits	69,228	90,059	93,533	64,514	13,763
Net Interest Income	25,848	25,334	25,595	28,634	21,797
Net Interest Income Growth (YoY)	2.03%	-1.02%	-10.61%	31.37%	2.02%
Gain (Loss) on Sale of Assets	40	-	-6	150	42
Gain (Loss) on Sale of Investments	-1	1	298	-5	-9
Other Non-Interest Income	11,010	11,451	10,306	10,003	9,558
Total Non-Interest Income	11,049	11,452	10,598	10,148	9,591
Non-Interest Income Growth (YoY)	-3.52%	8.06%	4.43%	5.81%	15.37%
Revenues Before Loan Losses	36,897	36,786	36,193	38,782	31,388
Provision for Loan Losses	-1,483	993	14	1,181	731
Revenue	38,380	35,793	36,179	37,601	30,657
Revenue Growth (YoY)	7.23%	-1.07%	-3.78%	22.65%	22.13%
Salaries and Employee Benefits	8,195	8,661	8,267	7,725	7,528
Occupancy Expenses	4,096	3,817	3,393	3,023	2,833
Selling, General & Administrative	4,681	5,245	5,661	5,307	4,808
Other Non-Interest Expense	53	-2,186	94	-33	3
Total Non-Interest Expense	16,686	15,280	17,085	15,806	14,951
EBT Excluding Unusual Items	21,694	20,513	19,094	21,795	15,706
Asset Writedown	-	16	13	1	274
Pretax Income	21,683	20,527	19,107	21,837	16,020
Income Tax Expense	3,511	3,120	3,288	3,998	3,028
Earnings From Continuing Operations	18,172	17,407	15,819	17,839	12,992
Minority Interest in Earnings	-116	-164	-207	-217	-265
Net Income	18,056	17,243	15,612	17,622	12,727
Net Income to Common	18,056	17,243	15,612	17,622	12,727
Net Income Growth	4.71%	10.45%	-11.41%	38.46%	56.05%
Basic Shares Outstanding	189	189	189	189	189
Diluted Shares Outstanding	189	189	189	189	189
EPS (Basic)	95.61	91.30	82.67	93.31	67.39
EPS (Diluted)	95.61	91.30	82.67	93.31	67.39
EPS Growth	4.72%	10.44%	-11.41%	38.46%	56.05%
Dividend Per Share	95.600	91.300	82.660	60.420	43.800
Dividend Growth	4.71%	10.45%	36.81%	37.95%	83.57%
Effective Tax Rate	16.19%	15.20%	17.21%	18.31%	18.90%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.