Komercni Banka, a.s. · PSECZ:KOMB
Komercni Banka, a.s — Q1 2002 Earnings Presentation
17 slides from Komercni Banka, a.s's earnings presentation, Apr 30, 2002
Slide 1: First Quarter 2002 Financial Results
Komer³ní banka, a. s. First Quarter 2002 Financial Results (Unconsolidated, IAS) Prague, 30 April 2002 0
Slide 2: Content
CONTENT • 1Q 2002 Performance – Business Indicators – Financial Performance • Appendix 1
Slide 3: Key Business Indicators: Stable client base and payment card usage
KEY BUSINESS INDICATORS Stable client base with continuous dynamics in usage of ADCHs and payment cards Clients Payment cards - transactions Thousand • Globally stable client base, number of KB clients + 25.1% 10,031 remains at 1,240 thousand of which 942 thousand are individuals and 298 thousand co
Slide 4: Key Business Indicators: Retail lending and stable deposit base
KEY BUSINESS INDICATORS Ongoing positive trend in retail lending and stable deposit base REPO operations Volume of deposits Current accounts Volume of loans with MF CR Saving deposits CZK Million Term deposits CZK Million Mortgage loans Consumer loans Business loans 158,966 - 4.5% 12,500 270,137 258
Slide 5: Key Business Indicators: Retail loans development - focus
KEY BUSINESS INDICATORS Retail loans development - focus Mortgages Consumer loans Number of mortgages granted during each month Number of consumer loans granted during each month 2,196 2,127 2001 2,010 2001 2002 1,769 2002 345 1,612 295 278 246 1,161 214 194 January February March January February M
Slide 6: Financial Results and Ratios
FINANCIAL RESULTS AND RATIOS CZK million Profit and Loss Statement 1Q 2001 FY 2001 1Q 2002 Total revenues ..... 5,321 23,809 5,522 Operating costs* - 2,841 - 15,065 - 3,542 Profit before provisions for loan and investment losses 2,480 8,744 1,980 Provisions for loan and investment losses - 668 - 5,3
Slide 7: Total Revenues
TOTAL REVENUES Continuing growth of Net Interest Income and Net Fees and Commissions CZK million Net Interest Income Banks 3,205 Customers 3,040 Securities 1,517 • Interest received from ² + 3.8% - 31.4% eská konsolida³ní 5,522 2,212 agentura included in NII 5,321 • from banks in 2001 and from custo
Slide 8: Operating Costs
OPERATING COSTS Costs under control, ongoing restructuring CZK million Other administrative expenses Personnel costs Recurring Operating Costs Depreciation and other provisions 3,319 - 9.0% 3,021 • Change of operating costs accounting 2,837 methodology - improved accrual principles • adopted since t
Slide 9: Balance Sheet
BALANCE SHEET Total balance sheet stable CZK million Assets Liabilities 421,720 417,817 Change 421,720 417,817 Change Cash and balances Amounts owed with central bank 18,211 16,059 - 11.8% to banks 28,860 29,142 + 1.0% Due from banks 155,602 175,556 + 12.8% Amounts owed 316,791 312,610 - 1.3% to cus
Slide 10: Development of the Loans and Advances to Customers
DEVELOPMENT OF THE LOANS AND ADVANCES TO CUSTOMERS Improved structure of KB loan book CZK million Client loans Provisions and general reserves for loan losses On-balance sheet On-balance sheet 158,966 23,769 - 5.8% REPO operations 12,500 Total standard 713 22,401 with MF CR 146,466 and watch loans +
Slide 11: State Guaranteed Portfolio - Focus
STATE GUARANTEED PORTFOLIO - FOCUS Continuing reduction of non-performing loans covered by the State Guarantee CZK billion 31.12. 2000 31.3. 2002 • Guaranteed portfolio comprises of CZK 60.9* 4.2 28.3 bil. on-balance and CZK 5.6 bil. 11.3 off-balance sheet items • Total repayments of on-balance shee
Slide 12: Subsidiary and Associated Undertakings Results
SUBSIDIARY AND ASSOCIATED UNDERTAKINGS RESULTS CZK thousand; CAS Total Share of KB Profit after tax Equity Assets A-TRADE, s.r.o.* 100% - 190 17,845 34,064 ASIS, a.s. 100% 1,503 9,430 48,039 Factoring KB, a.s. 100% 7,638 115,656 1,965,463 Investi³ní kapitálová spole³nost, a.s. 100% 17,805 214,037 24
Slide 13: Content
CONTENT • 1Q 2002 Performance – Business Indicators – Financial Performance • Appendix 12
Slide 14: Development of KB's Share Price and Index PX50
CZK .% 3; DEVELOPMENT OF KB’s SHARE PRICE AND INDEX PX50 25 .4 .2 00 2 13 Point
Slide 15: Development of 3M, 6M PRIBOR and the RS KB
Percent 56 .% 03 5,%25 03 5,%25 DEVELOPMENT OF 3M, 6M PRIBOR AND THE RS KB 14
Slide 16: Structure of Shareholders
STRUCTURE OF SHAREHOLDERS Major shareholders of Komerþní banka, a.s. with over 5% of the share capital as at 21.3.2002 Others 32.64% Société Générale S.A. 60.00% The Bank of New York ADR Department 7.36% 15
Slide 17: Contacts - Investor Relations
CONTACTS Investor Relations Ladislav Šilha Ilona Katzová Head of Investor Relations Investor Relations Officer Telephone: Telephone: +420.2.224.32.155 +420.2.224.32.156 E-mail: ladislav_silha@kb.cz E-mail: ilona_katzova@kb.cz Pavla Adamová Martina Polá³ková Investor Relations Officer Template & Grap