Komercni Banka, A.s. · PSECZ:KOMB
Komercni Banka, A.s — Q3 2025 Earnings Presentation
21 slides from Komercni Banka, A.s's earnings presentation, Oct 30, 2025
Slide 1: Results Q3 2025
Results Q3 2025 Inside information
Slide 2: KB in the three quarters of 2025: Growth in operating revenues amid declining costs
KB in the three quarters of 2025: Growth in operating revenues amid declining costs, excellent loan portfolio quality “This year, we are concluding the KB 2025 transformation programme, which had begun in 2018 with a fundamental change to the organisation of Komerční banka’s operations, and continue
Slide 3: Business performance, Financial performance, Capital and liquidity
Prague, 30 October 2025 – Komerční banka reported today its CNB without interest. Net fee and commission income was higher, Capital and liquidity unaudited consolidated results for three quarters of 2025. reflecting in particular clients’ larger investments in mutual funds and greater demand among c
Slide 4: Strategic transformation of KB Group
Strategic transformation of KB Group If they want advice, clients can contact a banker directly from the KB+ The increasing maturity of KB+ offerings is leading to a rising share app via video call or use the chat function. Income and expenditure of digital sales in total retail banking sales. In 20
Slide 5: Group transformation examples: Modrá pyramida, SG Equipment Finance, upvest
One example is seen in Modrá’s pyramida taking full responsibility for the development and processing of KB Group’s housing loans. This was made possible by the establishment of a fully digital mortgage factory, replacing the two original facilities at KB and the building society. This led to a sign
Slide 6: Market environment in third quarter 2025
Market environment in third quarter 2025 1) The volatility of financial markets calmed during the third quarter in particularly considering the volatility on global markets and the European house price index,5) Czech residential real estate prices comparison with previous recent periods. The domesti
Slide 7: Developments in the client portfolio and distribution networks
Developments in the client portfolio and distribution networks Change 30 Sep 2024 30 Sep 2025 YoY KB Group's clients 2,184,000 2,171,000 (13,000) Komerční banka 1,709,000 1,764,000 55,000 – Individual clients 1,467,000 1,523,000 56,000 – New Digital Bank users 717,000 1,460,000 743,000 Modrá pyramid
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 30 September results compiled under IFRS (International Financial Reporting 2025. BUSINESS PERFORMANCE Loans to customers The total vo
Slide 9: Financial performance
were greater by 3.1%, at CZK 76.1 billion. Technical reserves in life The Group’s liquidity as measured by the ratio of net loans1) to 82.0%. The Group’s liquidity coverage ratio ended the third quarter at insurance at Komerční pojišťovna were up by 2.1% year on year to deposits (excluding repo oper
Slide 10: Statement of financial position
were down by (4.4%), at CZK 3,017 million, with savings achieved Net result on subsidiaries and associates was CZK 0 million. In the Assets across all main categories. The full-year levy to the regulatory funds same period of 2024, this line had reached CZK (54) million due to As of 30 September 202
Slide 11: Regulatory capital and other regulatory requirements
Investments in associates, at CZK 2.4 billion, were lower by (9.3%) The provisions balance was 7.8% higher, at CZK 0.8 billion. Provisions Core Tier 1 ratio was 17.6%. Tier 2 capital summed to CZK 4.7 billion, compared to the 2024 year-end value. for other credit commitments are held to cover credit
Slide 12: Developments in corporate governance and Group structure
Developments in corporate governance On 25 September 2025, the Supervisory Board, at the proposal with effect until the next General Meeting. At the same time, the KB continued to renew its senior managment team. Effective 15 of its Nomination Committee, appointed Ms Cécile Bartenieff as Supervisory
Slide 13: Expected development and main risks to that development in 2025
Expected development and main risks to that development in 2025 Note: This outlook updates and replaces the outlook presented on In December 2022, the Parliament approved a bill introducing a decrease by 20 basis points in comparison with the ratio required 6 February 2025 on the occasion of Komerčn
Slide 14: MREL requirement and 2025 expected development
exposure. The MREL requirement is defined as the sum of the amount Komerční banka continues its strategic transformation. The main Total deposit balances are expected to expand at a low-single-digit of loss absorption and recapitalisation. In addition to the MREL, tasks for 2025 includes completing
Slide 15: Outlook: regulatory contributions, cost of risk and risks
level, and in line with the indication published by the Czech National vulnerable to deterioration in the external economic environment, Bank,1) the total amount of mandatory contributions to regulatory including weakening external demand, trade disruptions due to funds, booked already in the first
Slide 16: ANNEX: Consolidated results under IFRS, profit and loss statement
ANNEX: Consolidated results as of 30 September 2025 under International Financial Reporting Standards (IFRS) Profit and Loss Statement Reported Recurring Change Change 9M 2024 9M 2025 YoY 9M 2024 9M 2025 YoY (CZK million, unaudited) Net interest income 18,691 19,310 3.3% 18,691 19,310 3.3% Net fee a
Slide 17: Statement of Financial Position
Statement of Financial Position 31 Dec 2024 30 Sep 2025 Year to date (CZK million, unaudited) Assets 1,536,000 1,622,387 5.6% Cash and current balances with central bank 72,956 73,866 1.2% Loans and advances to banks 335,834 412,689 22.9% Loans and advances to customers (net) 853,022 869,935 2.0% Se
Slide 18: Retail segment overview and senior non-preferred loans
Business performance in retail segment – overview 30 Sep 2025 Change year on year CZK bil. Mortgages to individuals – volume of loans outstanding 299.3 5.3% Building savings loans (MPSS) – volume of loans outstanding 99.0 2.7% Consumer loans (KB + ESSOX + PSA Finance) – volume of loans outstanding 3
Slide 19: Subordinated debt and financial calendar
Subordinated debt as of 30 September 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 6 F
Slide 20: Definitions of the performance indicators
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) 9M 2025 9M 2024 Net interest income, year to date 19,310 18,691 Of which: Loans and advances at amortised cost 40,089 52,919 Debt securities at amortised cost 4,231 3,329