Československá obchodná banka, a.s. financials
Československá obchodná banka, a.s.
Country: SK Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
52990096Q5LMCH1WU462 Financial statements
(EUR, as reported — unscaled; 111 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Operating expenses | €256.1M | €238.9M |
| Employee benefits expense | €120.4M | €113.8M |
| Depreciation & amortisation | €24.3M | €23.0M |
| Profit before tax | €132.5M | €158.7M |
| Income tax expense | €34.9M | €58.1M |
| Profit for the year | €97.7M | €100.7M |
| Total comprehensive income | €105.4M | €107.2M |
| Cash flow statement | ||
| Cash generated from operations | -€1.29B | €97.9M |
| Net cash from operating activities | -€1.03B | €283.9M |
| Net cash from investing activities | -€385.1M | €1.9M |
| Purchase of PP&E (capex) | €6.7M | €746.0K |
| Purchase of intangibles | €38.6M | €37.3M |
| Net cash from financing activities | €1.60B | -€203.9M |
| Dividends paid | €80.7M | €0 |
| Lease liability payments | €4.2M | €3.9M |
| Balance sheet | ||
| Total assets | €17.43B | €15.33B |
| Right-of-use assets | €15.6M | €19.4M |
| Cash & equivalents | €566.1M | €384.7M |
| Total equity | €1.68B | €1.66B |
| Deferred tax liabilities | €0 | €13.0K |
| Derived metrics | ||
| Free cash flow | -€1.04B | €283.1M |
| Return on equity | 5.8% | 6.1% |
| Cash conversion ratio | -10.54× | 2.82× |
| Capex coverage | -153.81× | 380.54× |
| Other reported items | ||
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Assets | -€46.5M | -€28.0M |
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Liabilities | -€209.0K | €4.7M |
| Adjustments For Decrease Increase In Financial Assets Measured At Fair Value Through Other Comprehensive Income | -€513.6M | €32.6M |
| Adjustments For Decrease Increase In Financial Assets Measured At Fair Value Through Profit Or Loss | €26.1M | €36.0M |
| Adjustments For Decrease Increase In Loans and Advances To Banks | -€15.9M | €84.7M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -€1.13B | -€297.9M |
| Adjustments For Depreciation and Amortisation Expense | €36.5M | €36.0M |
| Adjustments For Dividend Income | €85.0K | €85.0K |
| Adjustments For Increase Decrease In Deposits From Banks | -€13.1M | €121.2M |
| Adjustments For Increase Decrease In Deposits From Customers | €443.9M | €248.9M |
| Adjustments For Increase Decrease In Financial Liabilities Measured At Fair Value Through Profit Or Loss | -€10.5M | €15.0M |
| Adjustments For Increase Decrease In Other Liabilities | -€2.1M | -€14.0M |
| Adjustments For Interest Expense | €230.2M | €295.4M |
| Adjustments For Interest Income | €512.2M | €566.1M |
| Adjustments For Losses Gains On Disposal of Noncurrent Assets | -€16.0K | -€2.4M |
| Cash Flows From Used In Operations Before Changes In Working Capital | -€68.1M | -€131.4M |
| Current Tax Assets | €21.9M | €1.4M |
| Current Tax Liabilities | €40.0K | €5.3M |
| Debt Instruments Held | €2.56B | €2.30B |
| Debt Securities | €1.88B | €1.79B |
| Deferred Tax Assets | €25.4M | €24.0M |
| Deposits From Banks | €3.96B | €2.36B |
| Deposits From Customers | €9.58B | €9.14B |
| Derivative Financial Assets Held For Hedging | €171.3M | €176.3M |
| Derivative Financial Liabilities Held For Hedging | €58.8M | €68.1M |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners | €18.2M | €80.7M |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | €908.00 | €4030.00 |
| Dividends Received Classified As Investing Activities | €85.0K | €85.0K |
| Equity and Liabilities | €17.43B | €15.33B |
| Fee and Commission Expense | €17.4M | €18.2M |
| Fee and Commission Income | €115.5M | €113.0M |
| Fee and Commission Income Expense | €98.1M | €94.8M |
| Financial Assets At Fair Value Through Other Comprehensive Income | €676.0M | €139.8M |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €23.5M | €27.6M |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €2.3M | €2.1M |
| Financial Liabilities At Fair Value Through Profit Or Loss | €45.0M | €73.4M |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | €0 | -€1.8M |
| Gains Losses On Financial Assets At Amortised Cost | -€8.9M | €0 |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €6.9M | -€17.5M |
| Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €792.0K | €6.0K |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €3.0M | €1.5M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | -€281.0K | €1.3M |
| Income Taxes Paid Refund Classified As Operating Activities | €57.3M | €38.5M |
| Increase Decrease In Cash and Cash Equivalents | €181.4M | €81.9M |
| Increase Decrease Through Transfer Between Revaluation Reserve and Retained Earnings | €0 | €0 |
| Increase Decrease Through Transfer To Statutory Reserve | €0 | €0 |
| Increase Decrease Through Transfers and Other Changes Equity | — | €183.0K |
| Intangible Assets Other Than Goodwill | €196.4M | €171.0M |
| Interest Expense | €228.6M | €293.4M |
| Interest Paid Classified As Operating Activities | €235.8M | €290.9M |
| Interest Received Classified As Operating Activities | €552.5M | €517.2M |
| Interest Revenue Expense | €282.0M | €270.7M |
| Investments In Joint Ventures Accounted For Using Equity Method | €608.0K | €442.0K |
| Issue of Equity | — | €310.0M |
| Issued Capital | €665.1M | €665.1M |
| Lease Liabilities | €15.8M | €19.7M |
| Liabilities | €15.75B | €13.68B |
| Loans and Advances To Banks | €20.4M | €4.4M |
| Loans and Advances To Customers | €13.01B | €11.90B |
| Miscellaneous Other Operating Expense | €111.4M | €102.0M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €2.1M | €0 |
| Operating Lease Income | €40.0M | €39.7M |
| Other Assets | €35.5M | €61.6M |
| Other Comprehensive Income | €7.7M | €6.5M |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €12.4M | €4.4M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | -€1.9M | €5.0M |
| Other Liabilities | €82.8M | €79.2M |
| Other Operating Income Expense | €2.9M | €4.9M |
| Other Reserves | -€216.2M | -€216.2M |
| Proceeds From Disposal of Noncurrent Assets Or Disposal Groups Classified As Held For Sale and Discontinued Operations | €0 | €961.0K |
| Proceeds From Disposals of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | -€181.0K | €5.9M |
| Proceeds From Issue of Bonds Notes and Debentures | €109.9M | €570.0M |
| Proceeds From Issuing Shares | €0 | €310.0M |
| Proceeds From Sales Or Maturity of Financial Instruments Classified As Investing Activities | €245.3M | €208.0M |
| Provisions | €22.9M | €22.6M |
| Purchase of Financial Instruments Classified As Investing Activities | €585.0M | €175.0M |
| Repayments of Bonds Notes and Debentures | €16.1M | €83.8M |
| Repayments of Subordinated Liabilities | €7.0M | €0 |
| Reserve of Gains and Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income | €11.0M | €4.5M |
| Retained Earnings | €657.3M | €648.1M |
| Revenue and Operating Income | €405.0M | €380.0M |
| Revenue From Dividends | €85.0K | €85.0K |
| Revenue From Interest | €484.5M | €533.4M |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €166.0K | €108.0K |
| Share Premium | €484.7M | €484.7M |
| Statutory Reserve | €79.0M | €70.0M |
| Subordinated Liabilities | €98.6M | €105.7M |
Methodology
Every line item above is a fact tagged in Československá obchodná banka, a.s.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.