Czech-Moravian Guarantee and Development Bank
Czech-Moravian Guarantee and Development Bank, Czech Republic

General information
Českomoravská záruční a rozvojová banka, a.s. (CMZRB) was established on 28th January 1992 as a specialised state-owned banking entity aimed at contributing to the efficient and sustainable economic development of the Czech Republic. The Bank´s shareholder – the Czech Republic - is represented by three ministries: Ministry of Industry and Trade, Ministry of Regional Development and Ministry of Finance.
During its existence the Bank has become an important partner for the central state administration authorities, state funds, some regions and municipalities.
Mission and activities
At present, CMZRB's main mission is to facilitate primarily small and medium-sized enterprises' access to financing through specialised banking products and, in accordance with the economic policy aims of the Government and the regions of the Czech Republic, to assist in developing other selected areas of the economy that require public support.
CMZRB provides its clients, mainly SMEs, with bank guarantees, preferential loans and related banking services.
Furthermore, it manages a comprehensive portfolio of guarantees and grants for renovation of apartment buildings and provides financing to projects improving the quality of municipalities' infrastructure.
CMZRB is the main provider of financial instruments in the Czech Republic funded from both, national resources as well as EU structural funds. Clients may use the services of the CMZR Bank's branches in Prague and in the regional centres of the other four biggest cities (Brno, Hradec Králové, Ostrava and Pilsen). The bank employs approximately 210 people.
Core indicators
Unit | 2012 | 2013 | 2014 | 2015 | 2016 | |
Total assets | CZK mil. | 111 706 | 98 042 | 127 337 | 30 999 | 27 612 |
Liabilities | CZK mil. | 106 748 | 93 591 | 122 642 | 26 124 | 22 253 |
Shareholder’s equity | CZK mil. | 4 958 | 4 451 | 4 695 | 4 875 | 5 359 |
Share capital | CZK mil. | 2 132 | 2 132 | 2 132 | 2 132 | 2 632 |
Profit after tax | CZK mil. | 812 | 348 | 262 | 196 | 28 |
Guarantee portfolio | CZK mil. | 19 039 | 18 129 | 17 900 | 19 926 | 18 922 |
Capital ratio | % | 14.4 | 16.0 | 17.1 | 18.5 | 19.9 |
Average number of employees | 217 | 216 | 211 | 209 | 209 | |
Number of branches | 5 | 5 | 5 | 5 | 5 |
Contact
Mr. Petr Krupa – Division of Strategy
11000 Prague 1, Czech Republic
Fax: +420 255 721 251
Web: http://www.cmzrb.cz
