Data source: Metrics for European banks are sourced from 2025 annual reports and ECB/EBA Pillar 3 disclosures. Figures are updated semi-annually as regulatory filings are published — not via real-time API like US banks (FDIC).
Komercni Banka
KOMBCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+0.80% QoQ growth
Total Loan Book
+5.2% YoY growth
Leverage Ratio
Tier 1 / Average assets
CET1 Ratio Trend
8 quarters · regulatory minimum 8% · scoring threshold 12%
RWA Growth
Bars = total ($B) · Line = QoQ growth %
Loan Book Composition
Latest quarter · 2025-Q4
Metric History
12 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025-Q4latest | 17.60% | 8.30% | $25.6B | $44.5B | +5.2% | +0.80% | 20.0% | 19.0% | 34.0% | 34 |
| 2025-Q3 | 17.50% | 8.20% | $25.4B | $44.0B | +4.0% | +1.20% | 20.0% | 19.0% | 34.0% | 34 |
| 2025-Q2 | 17.30% | 8.10% | $25.1B | $43.5B | +2.8% | +1.20% | 20.0% | 19.0% | 34.0% | 34 |
| 2025-Q1 | 17.10% | 8.00% | $24.8B | $42.9B | +1.4% | +1.20% | 20.0% | 19.0% | 34.0% | 34 |
| 2024-Q4 | 16.80% | 7.90% | $24.5B | $42.3B | +5.2% | +1.20% | 20.0% | 19.0% | 34.0% | 32 |
| 2024-Q3 | 17.00% | 8.00% | $24.2B | $41.8B | +5.6% | +1.30% | 20.0% | 19.0% | 33.0% | 32 |
| 2024-Q2 | 17.20% | 8.10% | $23.9B | $41.2B | +5.4% | +1.30% | 20.0% | 19.0% | 33.0% | 32 |
| 2024-Q1 | 17.40% | 8.20% | $23.6B | $40.7B | +5.4% | +1.30% | 20.0% | 18.0% | 33.0% | 32 |
| 2023-Q4 | 17.60% | 8.30% | $23.3B | $40.2B | +4.6% | +1.30% | 20.0% | 18.0% | 33.0% | 29 |
| 2023-Q3 | 17.80% | 8.40% | $23.0B | $39.6B | +4.5% | +1.30% | 20.0% | 18.0% | 32.0% | 29 |
| 2023-Q2 | 18.00% | 8.50% | $22.7B | $39.1B | +4.4% | +1.30% | 20.0% | 18.0% | 32.0% | 29 |
| 2023-Q1 | 18.20% | 8.60% | $22.4B | $38.6B | +4.2% | +0.40% | 20.0% | 18.0% | 32.0% | 27 |
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Score Breakdown
Live score · base 32 pts +2 macro adj
CET1 17.60% — well above management threshold
-5.60pp headroom above 8% regulatory floor
Leverage ratio 8.30% — adequate headroom
Loan book grew 5.2% YoY
RWA grew 0.8% QoQ
CRE: 20%, Lev.Loans: 0%, max(Consumer/SME): 34%
No prior SRT deals on record
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha
Sentiment +6/20 · global +2 pts