The bank concluded its KB 2025 transformation programme in 2025, which began in 2018 with fundamental organizational changes and continued in 2020 with major investments in banking technologies, enabling the launch of KB's New Era of Banking. The bank demonstrates strong Value and Dividend scores with solid Growth and Resilience indicators, showing stability and room for development.
Cyborg Score Rationale
2025 net income reached 18.06 billion koruna, marking a 22% increase from the previous year. As of September 2025, 1.46M customers were using the KB+ app, with 283K newly acquired customers. The bank maintains solid capital ratios and profitability despite deposit market pressures.
Top Insights
2025 net income increased 22% year-over-year to 18.06 billion koruna
Digital migration: 1.46M KB+ app users as of Sept 2025, with 283K new customer acquisitions
Strong mortgage lending growth: Gross loans up 2.9% driven by 54.5% housing loans increase
High dividend yield at 7.40% (TTM), supporting income investors
Named Competitors
Česká spořitelna — Leading Czech retail and corporate bank
ČSOB — Major Czech banking and insurance provider
Raiffeisenbank — Central European banking operations
mBank — Digital-first Czech bank
Recent Developments
(January 2026) Stock reached all-time high of 1,234 CZK
(February 2026) Q4 2025 earnings released on Feb 6, 2026
(September 2025) 1.46M customers migrated to KB+ digital platform with 283K new acquisitions
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