Tatra banka a.s. · BSSE:1TAT01DE
Tatra banka a.s — Debt Investor Presentation (2026)
44 slides from Tatra banka a.s's debt investor presentation, May 12, 2026
Slide 1: Tatra banka Investor Presentation Q1 2026
Tatra banka Member of RBI Group Investor Presentation Q1 2026
Slide 2: Disclaimer
Disclaimer IMPORTANT: You must read the following before continuing. The following applies to this document, the oral presentation of the information in this document by Tatra banka, a.s. (the “Issuer”) or any person on behalf of the Issuer, and any question-and-answer session that follows the prese
Slide 3: Tatra banka Q1 2026 Executive Summary
Tatra banka Q1 2026 Executive Summary Profit after tax Return on equity Cost-to-Income ratio EUR 54 mn EUR 67 mn 12,8% 16,6% 44,4% 45,4% 1-3 2026 1-3 2025 1-3 2026 1-3 2025 1-3 2026 1-3 2025 -19,5% y-o-y -3,8 pp y-o-y -1,0 pp y-o-y Balance sheet Loans to clients Deposits from clients Assets in total
Slide 4: Tatra banka Q1 2026 Executive Summary: Income and Capital
Tatra banka Q1 2026 Executive Summary General Admin. Net Interest Income Net Fee Income Expenses EUR 144 mn EUR 128 mn EUR 49 mn EUR 44 mn EUR -90 mn EUR -83 mn 1-3 2026 1-3 2025 1-3 2026 1-3 2025 1-3 2026 1-3 2025 12,4% y-o-y 11,2% y-o-y 8,5% y-o-y Capital & Liquidity Risk-weighted assets Total Cap
Slide 5: Contents
Slovak Republic – Macroeconomic Overview Tatra banka Group Contents Tatra banka Financials Covered Notes & Cover Pool Sustainability Strategy Annex. Financial Statements 5
Slide 6: Slovak Republic – Macroeconomic Overview
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Slovak Republic – Macroeconomic Overview
Slide 7: Slovak Republic: Macroeconomic Executive Summary
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Slovak Republic: Macroeconomic Executive Summary • Competitive EU economy: Highly competitive, service-oriented economy with a strong industrial base; population
Slide 8: Fiscal Consolidation packages negatively affect economy
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Fiscal Consolidation packages negatively affect economy Budget deficit to GDP ratio, % Government debt to GDP ratio, % The budget deficit is projected to gradual
Slide 9: Labor market & real estate: stable employment, gradual housing recovery
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Labor market & real estate: stable employment, gradual housing recovery Unemployment rate, % Nominal & real wage growth, % yoy Unemployment remains low; gradual
Slide 10: Banking sector: Tatra banka is leader in profitability
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Banking sector: Tatra banka is leader in profitability • Solid sector profitability despite bank tax: The banking tax, introduced in 2024, continues to weigh on
Slide 11: NPLs remain relatively low. Loan growth is accelerating
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool NPLs remain relatively low. Loan growth is accelerating Return on Equity (annualized), % (on individual basis) Cost-to-Income Ratio, % (on individual basis) 15,9
Slide 12: Tatra banka Group
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Tatra banka Group
Slide 13: Leading Banking Group in CEE
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Leading Banking 1 305 branches Group in CEE Leading regional player with CEE presence of over 30 years Covering Austria and 11 CEE markets, of 42 154 which five
Slide 14: RBI Group Key Financial Indicators
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Profit and loss account Profit after tax EUR 470 mn RBI Group Key 1-3 2026 -33.4% y-o-y Financial Indicators Balance sheet Loans to clients Deposits from clients
Slide 15: Tatra banka
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Bank established as First private bank in Slovakia greenfield company in 1990 Tatra banka The most awarded and one of the largest banks in Slovakia, serving over
Slide 16: Tatra banka – Innovation Leader
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Tatra banka – Innovation Leader Leading innovations over the past 17 years 16
Slide 17: Tatra banka Financials
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Tatra banka Financials 17
Slide 18: TBG Key Performance Indicators
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Profit and loss account Profit after tax EUR 54 mn EUR 67 mn TBG Key 1-3 2026 -19,5% y-o-y 1-3 2025 Performance Indicators Balance sheet Loans to clients Deposit
Slide 19: Strong operating result supported by net interest income
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Profit & Loss Bridge – 03/2025 to 03/2026 (in EUR mn) Significant increase in operating result Increase in impairment allowances due to mainly due to higher net
Slide 20: Continuous double digit RoE and strong Profit after tax
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Net Fee Income Net Interest Income & Net Interest Income Net Fee Income 184 (in EUR mn) 187 167 155 158 540 49 480 44 404 300 322 Continuous double 128 144 digit
Slide 21: Prudent approach to provisioning amid geopolitical risks
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool NPE Coverage (in %) NPE Coverage (in %) 62,3% 57,5% 59,2% 58,3% 57,7% Prudent approach to provisioning amid NPE NPE Ratio(in(in%)%) Ratio* geopolitical risks NPE
Slide 22: One of the Best SREP Ratings in Slovakia due to Solid Capital Ratios
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool One of the Best SREP Ratings in Slovakia due to Solid Capital Ratios Regulatory Capital Requirements Commentary As of 3/2026 • Tatra banka shall meet, on a sub-c
Slide 23: MREL requirement
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool RBI pursues a Multiple Point of Entry (MPE) resolution strategy, with each EU network unit forming a separate resolution group, in line with RBI’s group structur
Slide 24: Strong self-funding with Loans-to-Deposit ratio below 100%
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Strong self-funding with Loans-to-Deposit ratio below 100% Liquidity ratios Funding mix Commentary as of 3/2026 as of 3/2026 on individual basis Senior 29% unsec
Slide 25: Bond issuance, Funding Plan, Maturity profile
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Latest Issuance Amount Maturity Feb 2026 – Covered bond EUR 500mn 02.2031 Jan 2026 – Senior Preferred EUR 50mn 01.2032 Sep 2025 – Covered bond EUR 500mn 05.2031
Slide 26: Increase in Loans to Customers, Securities and Debt issued
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Assets (in EUR mn) Liabilities and Equity (in EUR mn) 3/2026 3/2026 2024 2025 3/2026 2024 2025 3/2026 vs 2025 vs 2025 Assets 20 903 23 123 22 992 -0,6% Liabiliti
Slide 27: Low concentration risk and well diversified portfolio
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Financial assets by customer group (at amortised cost) Retail clients Corporate clients Public sector Banks 03/2026 44,7%% 31,5% 22,8% 1,0% EUR 9 707 mn EUR 6 84
Slide 28: Covered Notes & Cover Pool
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Covered Notes & Cover Pool
Slide 29: Cover pool structure (as of 31.3.2026)
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Cover pool structure (as of 31.3.2026) Covered notes Cover pool Outstanding notes (nominal) EUR 4 010 000 000 Supplementary Liquid Assets (nominal) EUR 202 000 0
Slide 30: Cover pool statistics (as of 31.3.2026)
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Cover pool statistics (as of 31.3.2026) Distribution by Loan Purpose Distribution by LTV Other Construction 10% Acquisition 70% to 80% 0% to 40% Maintenance 9% 2
Slide 31: Covered Bond Directive implemented
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Main features of Slovak covered bond programme • Covered Bond Directive implemented into Slovak law effective since 08 July 2022 • All mortgages in the cover poo
Slide 32: Macroprudential policy of National Bank of Slovakia
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Close monitoring of financial sector Restricted Debt Service-to-Income: • Maximum debt service restricted to Verified Income deducted by Cost of living and Addit
Slide 33: Sustainability Strategy
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Sustainability Strategy
Slide 34: The Sustainability strategy
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool The Sustainability strategy ✓ Tatra banka Group’s Sustainability strategy ensures long-term resilience, transparency and stakeholder value. It sets the sustainab
Slide 35: Carbon Footprint
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Greenhouse gas emissions 2025 ✓ Climate awareness is reflected in the Transition Plan for Climate Change Mitigation ✓ Tatra banka Group calculates its own carbon
Slide 36: Green Bond Portfolio Details
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Green Bond Portfolio ✓ EUR 650m and USD 20m in outstanding green bonds as of 31/12/2025 Portfolio Details ✓ The net proceeds from the issuance of the green bonds
Slide 37: Green Bond Reporting
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Allocation and Impact as of 31.12.2025 • As of December 2025, EUR 891 mn Eligible Green Bond Green Loans were allocated into green bond portfolio • Green buildin
Slide 38: Annex
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Annex
Slide 39: Our Mission, Values, Vision and Focus
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Our Mission Our Values We transform continuous innovation into superior We are creative, ambitious, courageous and we customer experience behave like partners Yo
Slide 40: Profit & Loss Account
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool (in EUR mn) 1-3 2026 1-3 2025 Y-o-Y Net interest income 144 128 12,4% Net fee and commission income 49 44 11,2% Profit & Loss Net trading income 12 1 11 5,2% Acc
Slide 41: Balance Sheet
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool (in EUR mn) 03/2026 12/2025 YTD Assets 22 992 23 123 -0,6% Cash and other deposits payable on demand 182 225 -19,1% Cash balances at central banks 611 1 344 -54,
Slide 42: Growth in both Retail and Corporate assets
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Selected P&L and Balance Sheet Items by Reportable Segment (figures below exclude “Investment banking and treasury” segment and the effect of “equity investments
Slide 43: No exposure to Russia; Risk to commercial R/E under control; Bank levy
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Conflict in Ukraine • Tatra banka has negligible exposure to entities from Russia, Belarus and Ukraine (approx. EUR 0.37 mn). • Situation of Raiffeisenbank Russi
Slide 44: Thank you!
Ďakujeme! Thank you! investor@tatrabanka.sk www.tatrabanka.sk/en/about-bank/ Pavol Kiralvarga, CFA Milan Zvarik Head of Financial Analysis & Investor Relations Head of Treasury pavol_kiralvarga@tatrabanka.sk milan_zvarik@tatrabanka.sk
Tatra banka, a.s. — Debt Investor Presentation (2026) on 6ix