Komercni Banka, A.s. · PSECZ:KOMB
Komercni Banka, A.s — FY2025 Earnings Presentation
21 slides from Komercni Banka, A.s's earnings presentation, Feb 6, 2026
Slide 1: Results for the full year 2025
Results for the full year 2025 Inside information
Slide 2: KB in 2025: Successful transformation whilst maintaining solid profitability
KB in 2025: Successful transformation whilst maintaining solid profitability, growing number of clients, and high customer satisfaction “Last year, we successfully completed the KB 2025 strategic programme. As part of this largest transformation programme in the history of Czech banking, Komerční ba
Slide 3: Business performance, Financial performance, Capital and liquidity
Prague, 6 February 2026 – Komerční banka reported today its fees in the previous year, despite growing customer investments in Capital and liquidity unaudited consolidated results for the year 2025. mutual funds and stronger demand from corporate clients for various financial services, such as bond
Slide 4: Strategic transformation of KB Group
share price is 8.2%. A final decision on distribution of the earnings, Strategic transformation of KB Group customers, and the total of client funds under its management even including payment of dividends, is subject to voting of the Annual while maintaining solid profitability. General Meeting. In
Slide 5: Digital sales and ESG ratings
individual segment had reached an excellent level of 42 points, which included in the FTSE4Good index of companies that demonstrate was better than before the changes. good sustainability practices, and in 2025 it improved its rating to 4.2 points (out of a possible five). KB also maintained its AA
Slide 6: Market environment in fourth quarter 2025
Market environment in fourth quarter 2025 1) The fourth quarter was marked by a broadly stable market Inflation in the Czech Republic remained firmly within the tolerance compared to the previous year’s third quarter. Prices of newly environment, supported by steady domestic economic conditions. ban
Slide 7: Developments in the client portfolio and distribution networks
Developments in the client portfolio and distribution networks Change 31 Dec 2024 31 Dec 2025 YoY KB Group's customers 2,226,000 2,268,000 42,000 Komerční banka 1,727,000 1,777,000 50,000 – Individual clients 1,485,000 1,536,000 51,000 – KB+ users 1,028,000 1,610,000 582,000 Modrá pyramida 390,000 3
Slide 8: Comments on business and financial results: Business performance
Comments on business and financial results The financial data published below are from unaudited consolidated Standards). Unless stated otherwise, the data are as of 31 December results compiled under IFRS (International Financial Reporting 2025. BUSINESS PERFORMANCE Loans to customers Amounts due t
Slide 9: Financial performance
were greater by 4.9%, at CZK 77.3 billion. Technical reserves in life The Group’s liquidity as measured by the ratio of net loans1) to The Group’s liquidity coverage ratio ended the year at 159% and the insurance at Komerční pojišťovna were up by 4.7% year on year to deposits (excluding repo operati
Slide 10: Statement of financial position
expenses (not including contributions to the regulatory funds) Net result on subsidiaries and associates was CZK 0 million. In 2024, Statement of financial position were down by (4.3%), at CZK 4,181 million, with savings achieved this line had reached CZK (127) million due to impairment of a stake a
Slide 11: Regulatory capital and other regulatory requirements
Revaluation differences on portfolio hedge items totalled include payables from securities trading and settlement balances, Regulatory capital and other CZK (0.5) billion, lower by (29.9%). Current and deferred tax assets stood at CZK 0.4 billion. Prepayments, accrued income, and other grew by 16.6%
Slide 12: Developments in corporate governance and Group structure
In August 2025, KB received announcement from the Czech National Bank on the MREL requirement set at 20.8% of the consolidated Developments in corporate Developments in the Group structure total risk exposure and 5.91% of the consolidated total exposure. The MREL requirement is defined as the sum of
Slide 13: Expected development and main risks to that development in 2026
Expected development and main risks to that development in 2026 Given the high level of uncertainty and risks related to projecting According to the joint decision of the College of Supervisors of the KB also meets the regulatory requirements for own funds and future business results, investors shou
Slide 14: Expected 2026 lending, deposit and tax development
are expected to grow at a high-single-digit rate, while consumer deposit book should increase slightly. The volume of non-banking The corporate income tax rate is expected to stay at 21%, to which lending is predicted to expand even slightly faster. Corporate lending client assets under management (
Slide 15: 2026 dividend intention: 80% of attributable net profit
intends for 2026 to propose distributing as dividends 80% of attributable consolidated net profit earned in the year. Komerční banka, a.s. Results Q4 2025 15
Slide 16: ANNEX: Consolidated results as of 31 December 2025 under IFRS
ANNEX: Consolidated results as of 31 December 2025 under International Financial Reporting Standards (IFRS) Profit and Loss Statement Reported Recurring FY 2024 FY 2025 Change YoY FY 2024 FY 2025 Change YoY (CZK million, unaudited) Net interest income 25,278 25,845 2.2% 25,278 25,845 2.2% Net fee an
Slide 17: Statement of Financial Position
Statement of Financial Position 31 Dec 2024 31 Dec 2025 Year to date (CZK million, unaudited) Assets 1,536,000 1,599,579 4.1% Cash and current balances with central bank 72,956 91,662 25.6% Loans and advances to banks 335,834 333,989 (0.5%) Loans and advances to customers (net) 853,022 904,839 6.1%
Slide 18: Business performance in retail segment and senior non-preferred loans
Business performance in retail segment – overview 31 Dec 2025 Change year on year CZK bil. Mortgages to individuals – volume of loans outstanding 307.7 7.4% Building savings loans (MPSS) – volume of loans outstanding 98.8 1.2% Consumer loans (KB + ESSOX + PSA Finance) – volume of loans outstanding 3
Slide 19: Subordinated debt and financial calendar
Subordinated debt as of 31 December 2025: Interest rate Drawing date Principal Call option date* (ACT/360) 10 Oct 2022 EUR 100m 11 Oct 2027 3M Euribor + 3.79% 29 Nov 2023 EUR 100m 29 Nov 2028 3M Euribor + 2.82% Call option exercise date is 5 years before final maturity date. * Financial calendar 30
Slide 20: Definitions of the performance indicators mentioned herein
Definitions of the performance indicators mentioned herein: I. Housing loans: mortgages to individuals provided by KB + loans V. Cost-to-income ratio: ‘Operating costs’ divided by ‘Net operating to clients provided by Modrá pyramida; income’; II. Cost of risk in relative terms: annualised ‘Allowance
Slide 21: Reconciliation of Net interest margin calculation
Reconciliation of ‘Net interest margin’ calculation, (CZK million, consolidated, unaudited): (source: Profit and Loss Statement) FY 2025 FY 2024 Net interest income, year to date 25,845 25,278 Of which: Loans and advances at amortised cost 53,544 68,024 Debt securities at amortised cost 5,663 4,696