Komercni Banka – Ratings Affirmed

31 October 2025

Capital Intelligence Ratings (CI Ratings or CI) today announced that it has affirmed the Long-Term Foreign Currency Rating (LT FCR) and Short-Term Foreign Currency Rating (ST FCR) of Komercni Banka a.s. (KB or the Bank) at ‘A’ and ‘A1’, respectively. At the same time, CI Ratings has affirmed KB’s Bank Standalone Rating (BSR) of ‘a-’, Core Financial Strength (CFS) rating of ‘a-’ and Extraordinary Support Level (ESL) of High. The Outlook for the LT FCR and BSR remains Stable.

The affirmation of the ratings is supported by KB’s strong capital ratios with a high Tier 1 component, low NPL ratio, sound earnings strength despite declining interest rates weighing on net interest income (NII) generation, a sound funding profile, and good liquidity position underpinned by substantial HQLAs. The ratings are also supported by the Bank’s stable, long‑term ownership by Societe Generale (SocGen), which provides strategic direction and ongoing support….