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Komercni banka, a.s. (KMERF)
OTHER OTC:KMERF
RESEARCH TOOLSreports
Earnings Data
Report Date
Jul 31, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.98Last Year’s EPS
0.85Same Quarter Last Year
Based on 1 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 30, 2025
|% Change Since: 3.75%
|Next Earnings Date:Jul 31, 2025
Earnings Call Sentiment|Positive
Komercní banka delivered a strong financial performance in Q1 2025 with record net income and robust growth in housing loans and client base. However, challenges include a slight decrease in deposits, stable yet lower-than-expected corporate loan growth, and increased regulatory costs. The financial outlook was adjusted downwards, reflecting a cautious stance given the current environment.Company Guidance
During the call, Komercní banka provided guidance for the first quarter of 2025, highlighting several key financial metrics. The bank reported a 3% year-over-year growth in loans, with housing loans increasing by almost 55% compared to Q1 2024. Although overall deposits remained stable or slightly below, current account growth provided additional liquidity and net interest income (NII). The bank's total capital ratio stood at 18.7%, with a core Tier 1 ratio of 17.7% and a loan-to-deposit ratio of 81.9%. The bank achieved a group net income of CZK 4.2 billion, marking a nearly 50% increase year-over-year, and earnings per share were CZK 22.17. The cost of risk was in negative territory at 22 basis points, and the bank's return on equity (ROE) was reported at 13%, or 13.7% under specified conditions. Additionally, Komercní banka adjusted its financial outlook for 2025, forecasting mid-single-digit growth in both loans and deposits, with expectations slightly tempered due to a Q1 slowdown. The cost expectations were revised downward to a low to mid-single-digit decline, reflecting ongoing optimization efforts.Record-Breaking Group Net Income
Komercní banka reported a group net income of CZK 4.2 billion for Q1 2025, which is almost 50% higher year-over-year, marking the strongest first quarter in the bank's history.
Significant Growth in Housing Loans
Housing loans increased by 54.5% compared to Q1 2024, reflecting robust demand and strong performance in the mortgage sector.
Increased Client Base
The number of clients grew by 60,000, reaching a total of 1.7 million.
Strong Return on Equity
The return on equity (ROE) for the quarter was 13%, with a return on tangible equity (ROTE) of 15.5% IFRIC 21 adjusted.
Solid Asset Quality
The bank experienced a contraction in the Stage 2 category of loans and maintained a stable NPL ratio at 2%.
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KMERF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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KMERF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 30, 2025 | $45.57 | $44.30 | -2.79% |
Feb 06, 2025 | $34.31 | $35.25 | +2.74% |
Oct 31, 2024 | $31.75 | $31.41 | -1.07% |
Aug 01, 2024 | $31.35 | $30.89 | -1.47% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Komercni banka, a.s. (KMERF) report earnings?
Komercni banka, a.s. (KMERF) is schdueled to report earning on Jul 31, 2025, TBA Not Confirmed.
What is Komercni banka, a.s. (KMERF) earnings time?
Komercni banka, a.s. (KMERF) earnings time is at Jul 31, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is KMERF EPS forecast?
KMERF EPS forecast for the fiscal quarter 2025 (Q2) is 0.98.
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