# Komerční banka (KB)

> Source: https://docs.barcoder.ai/docs/wallets/komercni-banka
> research date 2026-05-30 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Komerční banka — official](https://www.kb.cz/)

## Overview

**Komerční banka (KB)** is **Czech Republic's 3rd largest bank by assets with 14.93% Czech market share 2024** + **Société Générale's Czech subsidiary** <sup>[1][1], [2][2], [Czechia report](https://docs.barcoder.ai/docs/payments/CZ)</sup>. **2025 baseline**: KB 1.6M+ Czech customers + 240+ Czech branches + 1,000+ shared ATMs + KB Group; **2025 KB net income 18,172M CZK**; **distinctive 3-year new core banking system development**: new KB+ mobile application + new internet banking + new services for clients for enhanced client experience; KB rolled out new web-based internet banking portal + fully revamped main internet banking (IB) application + feature-rich mobile app as part of its transition to digital-first banking model.

**Distinctive Komerční banka positioning** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **Czech Republic's 3rd largest bank by assets with 14.93% Czech market share 2024**
- **Société Générale's Czech subsidiary** (Société Générale = France #4 by assets; post-2001 KB Société Générale 60% Czech government acquisition for CZK 40B / ~€1.18B)
- **KB 1.6M+ Czech customers + 240+ Czech branches + 1,000+ shared ATMs**
- **2025 KB net income 18,172M CZK**
- **Distinctive 3-year new core banking system development**: new KB+ mobile application + new internet banking + new services for clients for enhanced client experience
- **KB rolled out new web-based internet banking portal + fully revamped main internet banking (IB) application + feature-rich mobile app** as part of its transition to digital-first banking model
- **1990 Komerční banka founding** post-Czech banking commercialization → distinctive Czech banking heritage
- **2001 Société Générale acquires KB from Czech government** for CZK 40B (~€1.18B) post-Czech banking privatization

## History

**Jan 5 1990 — Komerční banka founded** in Prague, Czech Republic, post-Czech banking commercialization → distinctive Czech banking heritage.

**1995 — Komerční banka IPO on PSE (Prague Stock Exchange)**.

**Oct 2001 — Société Générale acquires 60% Komerční banka stake from Czech government** for CZK 40B (~€1.18B) post-Czech banking privatization → distinctive French-Czech banking acquisition.

**2011 — Komerční banka mobile banking app launches**.

**2022-2025 — Distinctive 3-year new core banking system development**: new KB+ mobile application + new internet banking + new services for clients for enhanced client experience <sup>[3][3]</sup>.

**2024 — Komerční banka 3rd largest bank in Czech Republic with 14.93% Czech market share** <sup>[2][2]</sup>.

**2025 — KB net income 18,172M CZK** <sup>[2][2]</sup>.

## Ownership & operator

**Operating entity**: **Komerční banka, a.s.** (Société Générale subsidiary; PSE: KOMB).

**Parent**: **Société Générale S.A. (EPA: GLE)** — France #4 by assets; founded 1864.

**Regulators**: **ČNB (Česká národní banka) + ECB** (Czech banking supervision under EU SSM scope).

## Technical integration

**KB+ mobile banking app** (iOS + Android; distinctive 3-year new core banking system development; feature-rich mobile app post-2022-2025 digital-first banking model transition) + kb.cz online + Komerční banka cards (Visa + Mastercard) + Komerční banka 240+ Czech branch network + 1,000+ shared ATMs; SEPA Instant + Czech CERTIS; **KB Mobilní banka** + **KB+ Online banking** + **KB+ Internet banking** + **KB Private Banking**.

**KB Group sister entities**: **Modrá pyramida** (Komerční banka Czech mortgage subsidiary) + **KB Penzijní společnost** (Komerční banka Czech pension subsidiary) + **ESSOX** (Komerční banka Czech consumer finance subsidiary) + **Société Générale Equipment Finance Czech Republic**.

## Users & growth

**2025**: KB 1.6M+ Czech customers + 240+ Czech branches + 1,000+ shared ATMs + KB Group; 2025 KB net income 18,172M CZK; 2024 Czech Republic's 3rd largest bank by assets with 14.93% Czech market share.

## Use cases

Czech retail + private + corporate + SME + investment + insurance + mortgage + pension + consumer finance banking via KB+ mobile + kb.cz online + cards + branches + shared ATMs; SEPA Instant + Czech CERTIS; **KB Group sister entities**: Modrá pyramida (Czech mortgage) + KB Penzijní společnost (Czech pension) + ESSOX (Czech consumer finance) + Société Générale Equipment Finance Czech Republic + KB Private Banking.

## Implementations & partners

**Operator**: Komerční banka, a.s. (Société Générale subsidiary; PSE: KOMB); **Société Générale S.A. (EPA: GLE) parent**.

**KB Group subsidiaries**: **Modrá pyramida** (Komerční banka Czech mortgage subsidiary) + **KB Penzijní společnost** (Komerční banka Czech pension subsidiary) + **ESSOX** (Komerční banka Czech consumer finance subsidiary) + **Société Générale Equipment Finance Czech Republic**.

**Société Générale Group sister entities**: Société Générale France + Société Générale Investment Banking + Société Générale Private Banking + Société Générale International Retail Banking (Boursorama Banque French challenger digital bank + KB Czech subsidiary + BRD Romania subsidiary + Société Générale Eastern Europe + Société Générale Africa banking subsidiaries).

**Major Czech banking competitors**: [Česká spořitelna (George app)](https://docs.barcoder.ai/docs/wallets/ceska-sporitelna) (Czech Republic's largest bank; Erste Group subsidiary; Erste George Czech subsidiary) + [ČSOB (Československá obchodní banka; Czech Republic)](https://docs.barcoder.ai/docs/wallets/csob-cz) (Czech Republic's 2nd largest bank; KBC Group subsidiary; Smart Key biometric distinctive Czech banking innovation) + Raiffeisenbank Czech Republic (RBI Czech subsidiary) + Moneta Money Bank (formerly GE Money Bank Czech; post-2016 IPO Czech challenger bank) + Air Bank (PPF Group Czech challenger bank).

**Regulators**: ČNB + ECB.

## Fun facts

- **Czech Republic's 3rd largest bank by assets with 14.93% Czech market share 2024**.
- **Société Générale's Czech subsidiary** (Société Générale = France #4 by assets; post-2001 KB Société Générale 60% Czech government acquisition for CZK 40B / ~€1.18B).
- **KB 1.6M+ Czech customers + 240+ Czech branches + 1,000+ shared ATMs**.
- **2025 KB net income 18,172M CZK**.
- **Distinctive 3-year new core banking system development**: new KB+ mobile application + new internet banking + new services for clients for enhanced client experience.
- **KB rolled out new web-based internet banking portal + fully revamped main internet banking (IB) application + feature-rich mobile app** as part of its transition to digital-first banking model.
- **Jan 5 1990 Komerční banka founding** in Prague, Czech Republic, post-Czech banking commercialization → distinctive Czech banking heritage.
- **Oct 2001 Société Générale acquires 60% Komerční banka stake from Czech government** for CZK 40B (~€1.18B) post-Czech banking privatization → distinctive French-Czech banking acquisition.

## Comparison

| Feature | Komerční banka (KB) | [Česká spořitelna (George app)](https://docs.barcoder.ai/docs/wallets/ceska-sporitelna) (Czech Republic's largest bank rival; Erste Group subsidiary; Erste George Czech subsidiary) | [ČSOB (Československá obchodní banka; Czech Republic)](https://docs.barcoder.ai/docs/wallets/csob-cz) (Czech Republic's 2nd largest bank rival; KBC Group subsidiary; Smart Key biometric distinctive Czech banking innovation) | Raiffeisenbank Czech Republic (RBI Czech subsidiary rival) | Moneta Money Bank (formerly GE Money Bank Czech rival; post-2016 IPO Czech challenger bank) |
|---|---|---|---|---|---|
| Operator | **Komerční banka, a.s. (Société Générale subsidiary; PSE: KOMB)** | Česká spořitelna, a.s. (Erste Group subsidiary) | Československá obchodní banka, a.s. (KBC Group subsidiary) | Raiffeisenbank a.s. (Raiffeisen Bank International Czech subsidiary) | Moneta Money Bank, a.s. (PSE: MONET) |
| Type | **Czech Republic's 3rd largest bank by assets with 14.93% Czech market share 2024 + Société Générale's Czech subsidiary + KB 1.6M+ Czech customers + 240+ Czech branches + 1,000+ shared ATMs + KB+ mobile app + 2025 KB net income 18,172M CZK + distinctive 3-year new core banking system development** | Czech Republic's largest bank + Erste Group subsidiary + Erste George Czech subsidiary | Czech Republic's 2nd largest bank + KBC Group subsidiary + Smart Key biometric distinctive Czech banking innovation | RBI Czech subsidiary + Czech 4th largest bank | Czech challenger bank post-2016 GE Money Bank Czech IPO carve-out |
| Country | CZ | CZ | CZ | CZ | CZ |
| Distinctive | **Jan 5 1990 Komerční banka founding in Prague post-Czech banking commercialization; 1995 PSE IPO; Oct 2001 Société Générale CZK 40B (~€1.18B) Czech government 60% acquisition; 2011 mobile app launch; 2022-2025 3-year new core banking system development; 2024 Czech Republic's 3rd largest bank with 14.93% market share; 2025 net income 18,172M CZK** | 1825 Česká spořitelna ultimate Austrian-Hungarian banking heritage; 2000 Erste Group Czech government acquisition for ~€530M; Erste George Czech distinctive | 1964 ČSOB Czechoslovak founding; 1998 KBC Group acquisition; 1999 Czechoslovak ČSOB division split into ČSOB CR + ČSOB SK; Smart Key biometric distinctive Czech banking innovation | 1993 Raiffeisenbank Czech founding; Raiffeisen Bank International Czech subsidiary | 1997 GE Money Bank Czech founding (Czech-American post-Komerční úvěrový dlu Czech consumer finance + reverse-acquisition heritage); 2016 Moneta Money Bank carve-out post-GE Money Bank Czech IPO |

## Status

**Active, Czech Republic's 3rd largest bank by assets with 14.93% Czech market share 2024 + Société Générale's Czech subsidiary** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **Komerční banka, a.s. (Société Générale subsidiary; PSE: KOMB)** since Jan 5 1990 Komerční banka founding in Prague post-Czech banking commercialization + 1995 PSE IPO + Oct 2001 Société Générale CZK 40B (~€1.18B) Czech government 60% acquisition.
- **KB 1.6M+ Czech customers + 240+ Czech branches + 1,000+ shared ATMs + 2025 KB net income 18,172M CZK**.
- **2022-2025 3-year new core banking system development: new KB+ mobile application + new internet banking**.
- **ČNB + ECB regulated**.

## Sources

[1]: https://en.wikipedia.org/wiki/Komer%C4%8Dn%C3%AD_banka "Komerční banka — Wikipedia"
[2]: https://thebanks.eu/banks/10929 "Komerční banka, a.s. (Czech Republic) — Bank Profile"
[3]: https://www.societegenerale.com/en/news/all-news/kb-enters-new-era-banking "KB enters a new era of banking — Société Générale"
[4]: https://www.kb.cz/en/about-bank "About Bank — Komerční banka"
[cz-cro]: https://docs.barcoder.ai/docs/payments/CZ

- [1] [Komerční banka — Wikipedia][1]
- [2] [Komerční banka, a.s. (Czech Republic) — Bank Profile][2]
- [3] [KB enters a new era of banking — Société Générale][3]
- [4] [About Bank — Komerční banka][4]
- <sup>[Czechia report](https://docs.barcoder.ai/docs/payments/CZ)</sup> In-corpus: `reports/countries/CZ-czech-republic.md`

## Source

Biography extracted from [komercni-banka.md](https://docs.barcoder.ai/source/wallets/komercni-banka). See `matrix.md` for standards-support matrix if present.