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Komercní banka
Komercní banka (KOMB) investor relations material
Komercní banka Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary6 Feb, 2026
Executive summary
Achieved strong digital transformation, migrating most clients to the new KB+ platform and streamlining operations, resulting in improved client satisfaction and a 20% workforce reduction since 2019.
Net profit for 2025 reached CZK 18.1 billion, up 4.7% year-over-year (22.3% excluding prior year one-off gain).
Customer base exceeded 2.2 million, with 135,000 new clients in 2025 and 1.6 million active users on the new platform.
Recognized for digital leadership, ESG performance, and high customer satisfaction, with NPS in retail exceeding pre-transformation levels.
Board proposes 100% payout of 2025 net profit as dividend (CZK 95.6 per share).
Financial highlights
Net profit: CZK 18.1 billion, up 4.7% year-over-year; 22% growth excluding 2024's one-off gain.
Net interest income grew 2.2% to CZK 25.8 billion; net banking income up 0.2% to CZK 36.9 billion.
Cost-to-income ratio improved to 46.1%, down from 48.2% in 2024.
Operating expenses decreased by 4.2% year-over-year, mainly from lower personnel and administrative costs.
Balance sheet grew 4.1% to CZK 1.6 trillion; loans up 6.1%, deposits up 4%.
Outlook and guidance
2026 loan and deposit growth targeted at mid- to high-single digits in both retail and corporate segments.
Net banking income and operating income expected to grow mid- to high-single digits; cost-to-income ratio to improve to 43–44%.
Return on equity guided at 13–14% for 2026.
Dividend payout ratio to be reduced to 80% for 2026, after three years at 100%.
2026 Czech GDP expected to grow 2.7%, with inflation at 1.6% and repo rate at 3.5%.
How did digital sales boost retail productivity?
Explain 2025-2026 cost of risk shift.
Why 80% dividend payout for 2026 vs 2025?
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Next Komercní banka earnings date
Q1 202630 Apr, 2026
Komercní banka
Next Komercní banka earnings date
Q1 202630 Apr, 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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