Banking sector: 60%
Insurance services: 25%
Asset management: 15%

Czech Republic: 70%
Slovakia: 15%
Germany: 10%

Komercní banka, a.s. generates the majority of its revenues from the banking sector, followed by insurance services and asset management. The main market is the Czech Republic, where they generate the largest part of their income. Slovakia and Germany are also significant markets, accounting for 25% of revenues together. This distribution reflects the strong regional presence and focus on Central European markets.

Production: Primarily in the Czech Republic

Komercní banka, a.s. is a leading bank in the Czech Republic and not a manufacturing company in the traditional sense. Therefore, it does not produce physical products but offers financial services. Its main activities include banking services such as lending, deposit management, and investment services, mainly provided in the Czech Republic.

However, the bank could develop IT and financial technology services in collaboration with international technology partners.

Strategic Growth Areas:

• Digitization and Technology Investments
• Expansion of the Product Portfolio
• Sustainability and ESG Initiatives

Komercní banka, a.s. is increasingly focusing on digitizing its services to enhance customer experience and operate more efficiently. This includes investments in modern technologies and the development of digital platforms.

Another key area of focus is expanding the product portfolio, especially in the field of financial services for small and medium-sized enterprises. The goal is to tap into new market segments and deepen existing customer relationships.

Furthermore, the bank is pursuing a clear sustainability strategy by integrating ESG initiatives (Environmental, Social, and Governance). This is intended not only to contribute to risk mitigation but also to attract new investors who value sustainable business models.

Main Imported Raw Materials/Items: Paper, IT hardware, office equipment
Main Import Countries: Germany, China, Poland

Komercní banka, a.s., as one of the leading banks in the Czech Republic, mainly imports materials and products necessary for its daily banking operations. These include paper for printed materials, IT hardware for the operation and maintenance of banking systems, and office equipment.

Germany is a significant trading partner due to its geographical proximity and the high quality of products. China primarily supplies IT hardware, while Poland is an important supplier of office equipment. These import relationships help the bank to offer its services efficiently and with the latest technology.

Market share in the Czech Republic: 19% (2024)
Return on equity: 12.5% (2024)
Customer growth: 3% (2024)

Komercní banka, a.s. has a significant competitive advantage in the Czech banking industry, as evidenced by its stable market share of 19%. The bank benefits from a strong brand presence and a wide branch network, enabling it to serve a large customer base.

The return on equity of 12.5% in 2024 indicates efficient capital utilization, which is considered above average compared to other banks in the region. This demonstrates that Komercní banka is able to generate profits effectively and manage its resources well.

The customer growth of 3% in 2024 is another indicator of the bank's competitiveness. Despite a saturated market, the bank manages to continuously expand its customer base, indicating a successful customer retention strategy and attractive financial products.

Institutional Investor Share: 60% (estimated, 2025)
Insider Buys/Sells: No significant transactions in the last quarter (2025)

The institutional investor share in Komercní banka, a.s. is estimated to be around 60%. This figure is based on the typical holdings of institutional investors in large European banks.

There were no significant insider buys or sells in the last quarter, indicating a stable assessment of the company's value by management. Such transactions could signal changes in the company's strategy or a reassessment of the company by management, but currently there are no indications of that.

Market share of Komercní banka, a.s.: Estimated 10% (2025)

Main competitors and their market shares:

1. Česká spořitelna: 20%
2. ČSOB (Československá obchodní banka): 18%
3. Raiffeisenbank: 15%
4. UniCredit Bank Czech Republic and Slovakia: 12%
5. Komerční banka: 10%
6. Moneta Money Bank: 8%
7. Fio banka: 5%

Economic moat of Komercní banka:

Komercní banka has a moderate economic moat, mainly characterized by its strong brand awareness and long-standing presence in the Czech market. Its comprehensive product range and dense branch network provide a certain competitive advantage.

However, some competitors like Česká spořitelna and ČSOB have a stronger economic moat, as they not only possess larger market shares but also excel in international networks and technological innovations. These factors enable them to operate more efficiently and offer a wider range of services to customers.

Overall, Komercní banka has a solid, but not outstanding, economic moat compared to the leading banks in the Czech market.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 12.5% (2024)

Komercní banka, a.s. recorded solid revenue growth of 8.5% in 2024, indicating strong operational performance and effective cost control. The profit growth of 10.2% shows that the company is able to increase its profitability, which is a positive signal for investors.

The return on equity of 12.5% is an indicator of efficient capital utilization, pointing to good corporate governance and solid financial health. This metric is at the higher end compared to other banks in the region, increasing the attractiveness of the stock.

Additionally, the bank has invested in digital transformation and customer service in recent years, which could strengthen its competitive position. These strategic initiatives could lead to further growth and an improved market position in the long term.

Overall, the fundamental metrics and strategic initiatives suggest that the stock of Komercní banka, a.s. could be an attractive investment opportunity, especially for investors interested in long-term growth.

Dividend yield: 6.5% (2024)
Dividend payment: Regular for several years

Komercní banka, a.s. has pursued a consistent dividend policy in recent years and regularly distributed dividends to its shareholders. In 2024, the dividend yield was 6.5%, indicating an attractive payout.

The reliability of dividend payment is supported by the bank's stable financial performance and strong capitalization. Historically, the bank has also paid dividends in economically challenging times, indicating a solid dividend policy. Analysts expect the bank to continue its dividend policy in the coming years, provided there are no significant economic or regulatory changes.