Financial Express (Holdings) Limited (“we”, “our”, “us” and derivatives) are committed to protecting and respecting your privacy. This Privacy Policy, together with our Terms of Use, sets out the basis on which any personal data that we collect from you, or that you provide to us, will be processed by us relating to your use of any of the below websites (“sites”).


For the purposes of the Data Protection Act 1998, the data controller is Trustnet Limited of 2nd Floor, Golden House, 30 Great Pulteney Street, London, W1F 9NN. Our nominated representative for the purpose of this Act is Kirsty Witter.


We collect information about you when you register with us or use any of our websites / services. Part of the registration process may include entering personal details & details of your investments.

We may collect information about your computer, including where available your operating system, browser version, domain name and IP address and details of the website that you came from, in order to improve this site.

You confirm that all information you supply is accurate.


In order to provide personalised services to and analyse site traffic, we may use a cookie file which is stored on your browser or the hard drive of your computer. Some of the cookies we use are essential for the sites to operate and may be used to deliver you different content, depending on the type of investor you are.

You can block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or part of our sites. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit our sites.


We store and use information you provide as follows:

  • to present content effectively;
  • to provide you with information, products or services that you request from us or which may interest you, tailored to your specific interests, where you have consented to be contacted for such purposes;
  • to carry out our obligations arising from any contracts between you and us;
  • to enable you to participate in interactive features of our service, when you choose to do so;
  • to notify you about changes to our service;
  • to improve our content by tracking group information that describes the habits, usage, patterns and demographics of our customers.

We may also send you emails to provide information and keep you up to date with developments on our sites. It is our policy to have instructions on how to unsubscribe so that you will not receive any future e-mails. You can change your e-mail address at any time.

In order to provide support on the usage of our tools, our support team need access to all information provided in relation to the tool.

We will not disclose your name, email address or postal address or any data that could identify you to any third party without first receiving your permission.

However, you agree that we may disclose to any regulatory authority to which we are subject and to any investment exchange on which we may deal or to its related clearing house (or to investigators, inspectors or agents appointed by them), or to any person empowered to require such information by or under any legal enactment, any information they may request or require relating to you, or if relevant, any of your clients.

You agree that we may pass on information obtained under Money Laundering legislation as we consider necessary to comply with reporting requirements under such legislation.


We want to ensure that the personal information we hold about you is accurate and up to date. You may ask us to correct or remove information that is inaccurate.

You have the right under data protection legislation to access information held about you. If you wish to receive a copy of any personal information we hold, please write to us at 3rd Floor, Hollywood House, Church Street East, Woking, GU21 6HJ. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.


The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, amongst other things, the provision of support services. By submitting your personal data, you agree to this transfer, storing and processing. We will take all steps reasonably necessary, including the use of encryption, to ensure that your data is treated securely and in accordance with this privacy policy.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our sites; any transmission is at your own risk. You will not hold us responsible for any breach of security unless we have been negligent or in wilful default.


Any changes we make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.


Our sites contain links to other websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.


If you want more information or have any questions or comments relating to our privacy policy please email [email protected] in the first instance.

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Komercni Banka (KMCA)

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Thursday 07 May, 2009

Komercni Banka

1st Quarter Results

RNS Number : 7998R
Komercni Banka
07 May 2009

Komercni banka, a.s. 
Prague 1, Na Prikope 33, building identification number 969, Post Code 114 07

Identification No.: 45 31 70 54

incorporated in the Commercial Register maintained with the Municipal Court in Prague,

section B, insert 1360


Pursuant to Prague Stock Exchange Rules part III subsection 8(7)(b) and Act 256/2004 (Czech) Coll. subsections 120(1)(e) and 120(4) Komercni banka, a.s. discloses financial results as at 31 March 2009:

Consolidated Balance Sheet of Komercni banka, a.s. according to International Financial Reporting Standards

(in CZK mil.)


31 March 2009

31 March 2008


restated (unaudited)

Cash and currents balances with national banks

9 535

13 918

Amounts due from banks

143 506

202 250

Financial assets at fair value through profit or loss

36 358

36 216

Loans and advances to customers, net

365 449

318 882

Securities available for sale

100 739

81 402

Investments held to maturity

1 460

1 532


3 551

3 551

Other assets

24 955

21 350

Total assets

685 554

679 101




31 March 2009

31 March 2008



Amounts due to banks

13 502

18 321

Amounts due to customers

538 831

539 533

of which: Amounts due to customers of PF KB

26 281

23 938

Financial liabilities at fair value through profit or loss

21 138

10 273

Securities issued

22 900

27 946

Subordinated debt

6 002

6 004

Other liabilities

20 765

22 679

Total liabilities

623 138

624 756

Shareholders´ equity



Share capital

19 005

19 005

Share premium and reserves

42 260

34 253

Minority interest

1 151

1 087

Total shareholders´ equity

62 416

54 345




Total liabilities and shareholders´ equity

685 554

679 101

Consolidated Profit and Loss Statement of Komercni banka, a.s. according to 

International Financial Reporting Standards

(in CZK mil.)

1Q 2009

1Q 2008



Net interest income

5 420

5 074

Net fees & commissions

1 896

1 954

Income from financial operations

1 129


Other income



Net banking income

8 489

7 845

Personnel expenses

-1 606

-1 495

General administrative expenses

-1 459

-1 603

Depreciation, impairment and disposal of fixed assets



Total operating expenses

-3 413

-3 568

Gross operating income

5 077

4 276

  Provision for loan losses

-1 573


  Provision for losses on securities



  Provision for other risks expenses



Cost of risk

-1 580


Net operating income

3 497

3 818

Net profit / (loss) from subsidiaries and associates



Share of profit of pension scheme beneficiaries



Profit/(loss) before income taxes

3 443

3 747

Income taxes



Profit/(loss) for the period before minority interest

2 819

3 048

Profit attributable to the Bank´s equity holders

2 799

3 021

Minority profit / (loss)



Net profit/(loss) per share (in CZK, annualized)



Presentation of 1Q 2009 results is available at the Web site of Komercni banka, a.s.: 


This information is provided by RNS
The company news service from the London Stock Exchange

a d v e r t i s e m e n t