Komercni Banka, a.s. · PSECZ:KOMB

Komercni Banka, a.s — Investor Presentation

19 slides from Komercni Banka, a.s's investor presentation

1. Slide 1: SEPA Direct Debit: Novelty in cross-border payments

   SEPA DIRECT DEBIT Novelty in cross-border payments

2. Slide 2: Content

   ContEnt CHAPTER 01 SEPA Direct Debit – General Information CHAPTER 02 SEPA Direct Debit – Debtor CHAPTER 03 SEPA Direct Debit – Creditor CHAPTER 04 Additional Information on SEPA Direct Debit |2

3. Slide 3: SEPA Direct Debit General Information

   CHAPTER 01 SEPA Direct Debit General Information SEPA Direct Debit |3

4. Slide 4: SEPA Direct Debit (SDD)

   SEPA Direct Debit SEPA Direct Debit (SDD) ■ direct debit in EUR cleared via the SEPA Scheme ■ both the Debtor bank and the Creditor bank must adhere to the SEPA Scheme ■ transactions are initiated by the Creditor via the Creditor bank ■ a Mandate must be signed between the Debtor and the Creditor SE

5. Slide 5: KB services for Debtor and Creditor

   SEPA Direct Debit Since February 2, 2014 – KB offers services for the Debtor – the debit side. ■ in accordance with the notification forwarded by the Creditor bank, the Debtor bank debits the transaction amount from the Debtor account Since April 27, 2015 – KB offers services for the Creditor – the cre

6. Slide 6: Use and benefits of SEPA Direct Debit

   Use and benefits of SEPA Direct Debit For the first time in history, SEPA Direct Debit allows also cross-border collections. The Debtor shall sign with KB and KBSK a “SEPA Direct Debit Agreement” stipulating the terms and conditions of settlement. In accordance with the SEPA Direct Debit Agreement, t

7. Slide 7: Direct Debit – Payment Schemes

   SEPA Direct Debit – Payment Schemes two main types of SEPA Direct Debit Payment schemes: Business to Business – B2B (irrevocable) ■ Business Direct Debit, available to businesses only ■ the Debtor is not entitled to obtain a refund of a processed transaction Business to Customer – CoRE (revocable) ■

8. Slide 8: SEPA Direct Debit Debtor

   CHAPTER 02 SEPA Direct Debit Debtor SEPA Direct Debit |8

9. Slide 9: Direct Debit – the Debtor

   SEPA Direct Debit – the Debtor ■ available at Komerční banka since February 1, 2014 ■ credit transfers in EUR initiated by the Creditor ■ at KB, can be used only with accounts held in EUR ■ at Komerční banka (including KB Business Division Slovakia), accounts are blocked for in-coming SEPA direct de

10. Slide 10: SEPA Direct Debit Creditor

    CHAPTER 03 SEPA Direct Debit Creditor SEPA Direct Debit | 10

11. Slide 11: Direct Debit – Creditor

    SEPA Direct Debit – Creditor ■ available at KB and KBSK since April 27, 2015 ■ credit transfers in EUR initiated by the Creditor ■ at KB, SEPA Direct Debit can be used only with accounts held in EUR ■ SEPA Direct Debit can be used at Komerční banka and Komerční banka Bratislava provided a contract i

12. Slide 12: Additional Information on SEPA Direct Debit

    CHAPTER 04 Additional Information on SEPA Direct Debit SEPA Direct Debit | 12

13. Slide 13: SEPA Scheme Countries

    Seznam zemí SEPA SEPA Scheme Countries Austria Latvia Belgium Lichtenstein Bulgaria Lithuania Croatia Luxembourg Cyprus Malta Czech Republic Monaco Denmark Netherlands Estonia Norway Finland Portugal (incl. Azores, Madeira) France (incl. Guadeloupe, Martinique, French Guiana) Romania Germany Slovaki

14. Slide 14: Mandate

    Mandate Mandate: ■ is an agreement in writing signed between a Debtor and a Creditor ■ based on the agreement, the Creditor is entitled to collect money from Debtor account ■ the mandate is established in two copies (for the Debtor and the Creditor) ■ the Creditor is responsible for storing the mand

15. Slide 15: CID – Creditor Identifier

    CID – Creditor Identifier ■ necessary for SEPA Direct Debit orders ■ in the Czech Republic, the CID is allocated by the Czech National Bank, in accordance with the rules published at the CNB Website; the beneficiaries of Direct Debit shall be allocated a single CID in the Czech Republic. http://www.c

16. Slide 16: Direct Debit – important terms

    SEPA Direct Debit – important terms CID – Creditor identifier, unique identification of the Creditor used by the Creditor with all Direct Debit orders ■ CID example: CZ34 ZZZ 10058 (positions 5 to 7 can be modified) UMR – Unique Mandate Reference, unique UMR for each mandate, the reference is determine

17. Slide 17: R-Messages

    R-Messages Specific types of reports allowing the Debtor/Creditor (Debtor bank/Creditor bank) to prevent or reverse a SEPA Direct Debit order. Reject – rejection of a transaction by the Debtor bank based on clearly defined grounds (e.g. technical reasons identified by the Creditor bank, the CSM or the

18. Slide 18: Contact Komerční banka Relationship Managers

    to get more information on SEPA Direct Debit, please contact Komerční banka Relationship Managers. For more information, refer to: www.kb.cz and www.koba.sk SEPA Direct Debit | 18

19. Slide 19: NA PARTNERSTVI ZALEZIiI

    NA PARTNERSTVI ZALEZIiI

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