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Komercní banka a s (KOMB) investor relations material
Komercní banka a s Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net profit reached CZK 13.6 billion, up 8.3% year-over-year, with recurring net profit up 35.1%, driven by strong lending growth and digital transformation.
Operating costs declined due to digitalisation and optimisation, supporting a lower cost-to-income ratio and higher return on equity.
Over 1.46 million customers migrated to new digital systems, with 283,000–300,000 newly onboarded.
Recognised as the top bank in Czechia for cash management by Euromoney.
Transformation program nearing completion, focusing on digitalisation, simplification, and efficiency.
Financial highlights
Net profit after tax for nine months: CZK 13.6 billion (+8.3% YoY; +35.1% recurring).
Net interest income up 3.3% YoY; fees and commissions up 3.4%; net profit from financial operations up 7.6%.
Operating profit increased 10% YoY; cost-to-income ratio improved to 46.4%.
Return on equity (ROE) at 14.5% for 9M 2025.
Earnings per share annualised at CZK 96.
Outlook and guidance
Lending and deposit growth expected at mid single-digit pace; deposit guidance downgraded to low to mid single-digit.
Revenue and OpEx guidance confirmed; cost of risk guidance improved to minus low teens for full year.
ROE targeted around 14% for 2025, cost-to-income ratio near 44%.
Management intends to propose distributing 100% of attributable consolidated net profit as dividends for 2025.
Credit risk profile expected to remain resilient, with a full-year net release in cost of risk.
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Next Komercní banka a s earnings date
Q4 20256 Feb, 2026
Next Komercní banka a s earnings date
Q4 20256 Feb, 2026
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Frequently asked questions
Komerční banka a.s. is a Czech financial institution providing a range of banking and financial services to individuals, businesses, and corporate clients. The company offers retail and corporate banking products, including loans, deposits, payment services, and investment solutions. It also provides asset management, insurance, leasing, and advisory services through its subsidiaries. The company is headquartered in Prague, Czech Republic, and its shares are listed on the PSE.
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