Komercni Banka, A.s. · PSECZ:KOMB
Komercni Banka, A.s — Q1 2025 Earnings Presentation
17 slides from Komercni Banka, A.s's earnings presentation, Apr 30, 2025
Slide 1: Results Q1 2025
Results Q1 2025 Regulatory information
Slide 2: Komerční banka in 1Q 2025: higher number of clients and revenues, improved profitability
Komerční banka in 1Q 2025: higher number of clients and revenues, improved profitability “The economic environment was more volatile in the first quarter of this year, with news of a new fiscal stimulus package in Europe together with plans for the introduction of protectionist measures by the Unite
Slide 3: Business performance, Financial performance, Shareholders, capital, and dividends
Prague, 30 April 2025 – Komerční banka reported today its unaudited Financial performance reserve which had been created in 2021 and 2022. The overall credit consolidated results for the first quarter of 2025. risk profile remained stable and excellent. Total revenues reached CZK 9.1 billion, up by
Slide 4: Selected achievements and initiatives in the first quarter of 2025
Considering the current state of affairs, KB’s management intends for Selected achievements and initiatives in the 91,000 former clients of Sberbank CZ were successfully paid through 2025 to maintain the dividend payout policy (foreseeable dividend) first quarter of 2025 Komerční banka between 9 Mar
Slide 5: Market environment (in first quarter 2025)
Market environment (in first quarter 2025) 1) Global financial markets experienced heightened volatility in the standing at 2.7% in February 2025 (as per the Eurostat methodology The latest information on residential real estate prices, available for first quarter of 2025, driven primarily by escala
Slide 6: Developments in the client portfolio and distribution networks
from current to term and saving deposits moderated, but the deposits were down by (1.9%) year on year and saving accounts volumes on current accounts were up by 4% while those on term added 18.9% as compared to the same month a year earlier. Developments in the client portfolio and distribution netw
Slide 7: Comments on business and financial results: Business performance
Comments on business and financial results The financial data published below are from unaudited consolidated results compiled under IFRS (International Financial Reporting Standards). Unless stated otherwise, the data are as of 31 March 2025. BUSINESS PERFORMANCE Loans to customers The total volume
Slide 8: Financial performance
insurance at Komerční pojišťovna were smaller by (0.4%) year on The Group’s liquidity as measured by the ratio of net loans1) to 81.9%. The Group’s liquidity coverage ratio ended the first quarter at year, at CZK 46.5 billion. deposits (excluding repo operations with clients but including debt 173%
Slide 9: Operating profit, cost of risk and net profit
CZK 1,005 million, driven by higher charges reflecting investments in KB Group’s consolidated net profit for the first quarter of 2025 This item consisted mainly of debt securities issued by government pursuit of KB’s digitalisation strategy. reached CZK 4,236 million, which was up by 48.1% in compa
Slide 10: Liabilities, Equity, Regulatory capital and other regulatory requirements
Liabilities Subordinated and senior non-preferred debt, at CZK 65.1 billion, was As of 31 March 2025, KB Group’s Liquidity Coverage Ratio came Total liabilities were 3.4% higher in comparison to the end of 2024 down by (0.9%) year to date, due to the Czech crown’s appreciated to 173% and Net Stable
Slide 11: Developments in the Group structure and corporate governance
Developments in the Group structure In January, KB Smart Solutions, a fully owned subsidiary of Komerční expected during the first half of 2025. Komerční banka intends to In March, KB concluded a transaction with the company Société banka, concluded a contract with Orbian Management Ltd., continue i
Slide 12: ANNEX: Consolidated results as of 31 March 2025 under IFRS
ANNEX: Consolidated results as of 31 March 2025 under International Financial Reporting Standards (IFRS) Profit and Loss Statement Reported Recurring Change Change 1Q 2024 1Q 2025 YoY 1Q 2024 1Q 2025 YoY (CZK million, unaudited) Net interest income 6,276 6,404 2.0% 6,276 6,404 2.0% Net fee and commi
Slide 13: Statement of Financial Position
Statement of Financial Position 31 Dec 2024 31 Mar 2025 Year to date (CZK million, unaudited) Assets 1,614,499 1,585,663 (1.8%) Cash and current balances with central bank 23,044 83,380 >100% Loans and advances to banks 493,726 377,916 (23.5%) Loans and advances to customers (net) 838,935 851,197 1.
Slide 14: Retail segment overview and senior non-preferred loans
Business performance in retail segment – overview 31 Mar 2025 Change year on year CZK bil. Mortgages to individuals – volume of loans outstanding 287.3 3.1% Building savings loans (MPSS) – volume of loans outstanding 98.1 4.7% Consumer loans (KB + ESSOX + PSA Finance) – volume of loans outstanding 3
Slide 15: Subordinated debt and financial calendar
Subordinated debt as of 31 March 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 31 July
Slide 16: Definitions of the performance indicators mentioned herein
Definitions of the performance indicators mentioned herein: I. Housing loans: mortgages to individuals provided by KB + loans other comprehensive income’ (debt securities only), and ‘Debt quantity average group ‘shareholders’ equity’ less ‘Minority to clients provided by Modrá pyramida; securities’;
Slide 17: Reconciliation of Net interest margin calculation
Reconciliation of ‘Net interest margin’ calculation, (CZK million, consolidated, unaudited): (source: Profit and Loss Statement) 1Q 2025 1Q 2024 Net interest income income, year to date 6,404 6,276 Of which: Loans and advances at amortised cost 13,671 19,194 Debt securities at amortised cost 1,402 1