Slide 1: Komerční banka Group
Prague, 30 July 2026 Komerční banka Group Consolidated unaudited results as of 30 June 2026
Slide 2: Disclaimer
Disclaimer This document contains a number of forward-looking statements relating to the targets and strategies of the Komerční banka Group. These statements are based on a series of assumptions, both general and specific. As a result, there is a risk that these projections will not be met. Readers
Slide 3: Agenda
Agenda Highlights as of 30 June 2026 Macroeconomic environment Macroeconomic environment Business performance Business performance Financial performance Financial performance Asset quality and cost of risk Asset quality and cost of risk Capital and dividends Capital and dividends Outlook for 2026 Ou
Slide 4: 1H 2026: Dynamic business growth, excellent asset quality, positive operating jaws
Highlights of 1H&2Q 2026 1H 2026: Dynamic business growth, excellent asset quality, positive operating jaws Income statement Business performance Balance sheet & Capital 1H 2026 2Q 2026 Group net income Group net income Gross loans Total capital ratio Core Tier 1 CZK 8.5 billion CZK 4.5 billion +10.
Slide 5: Agenda
Agenda Highlights as of 30 June 2026 Highlights as of 30 June 2026 Macroeconomic environment Business performance Business performance Financial performance Financial performance Asset quality and cost of risk Asset quality and cost of risk Capital and dividends Capital and dividends Outlook for 202
Slide 6: Economic resilience supports continued growth
Czechia - economy Economic resilience supports continued growth Czech GDP development (% year-on-year) KB Economic Research 6 0.2 Forecast GDP +2.2% YoY and +0.2% QoQ in 1Q 20261) 4 2.9 2.7 2.1 1.1 2.6 GDP growth based on household final consumption and fixed investments 2 0 -2 Unemployment at 2.9%
Slide 7: Agenda
Agenda Highlights as of 30 June 2026 Highlights as of 30 June 2026 Macroeconomic environment Macroeconomic environment Business performance Financial performance Financial performance Asset quality and cost of risk Asset quality and cost of risk Capital and dividends Capital and dividends Outlook fo
Slide 8: Gross loans to clients up 10.0%
Loans to clients Gross loans to clients up 10.0% Group lending (excl. repo, incl. client bonds) (CZK billion) +10.0% +3.5% Dynamic growth in bank consumer lending in 2026 driven by digital sales 905.8 914.1 945.8 849.3 859.5 868.0 98.8 97.8 95.4 -3.4% Housing loan production benefited from strong un
Slide 9: Selected corporate deals 2Q 2026
Tombstones Selected corporate deals 2Q 2026 KB Group results as of 30 June 2026 9
Slide 10: Client deposits +10.2%, other AUM up 1.4%
Deposits and other AUM Client deposits +10.2%, other AUM up 1.4% Group deposits (excluding repo operations) (CZK billion) +10.2% Net loans to deposits ratio at 82.4%. LCR 153%. NSFR 123% +0.7% Y-o-Y 1,058.3 1,088.8 1,129.4 1,137.2 Deposit growth predominantly driven by savings accounts, reflecting s
Slide 11: Agenda
Agenda Highlights as of 30 June 2026 Highlights as of 30 June 2026 Macroeconomic environment Macroeconomic environment Business performance Business performance Financial performance Asset quality and cost of risk Asset quality and cost of risk Capital and dividends Capital and dividends Outlook for
Slide 12: YoY net profit: Higher revenues, lower operating costs, (smaller) release of credit provisions
YoY net profit: Higher revenues, lower operating costs, (smaller) release of credit provisions Drivers for year-on-year change in attributable net profit (CZK million, as of 30 June 2026) -3.3% 260 149 141 33 8,809 -36 39 10 8,519 -886 Reported NII NFC NPFO & Regul. funds OPEX CoR Other* Tax Reporte
Slide 13: Balance sheet up by 12.4% year-on-year
Statement of financial position Balance sheet up by 12.4% year-on-year Assets Liabilities and equity (CZK billion) (CZK billion) +12.4% Year-on-year +12.4% Year-on-year +12.8% +12.8% 1,804 1,804 1,605 1,600 1,605 1,600 181 37.2% 596 27.3% 132 104 468 426 229 231 -2.9% 238 1,295 6.4% 1,216 1,221 905
Slide 14: NII growth driven by business volumes
Net interest income NII growth driven by business volumes Year-to-date +1.1% (CZK million) 12,808 12,949 Other 493 13% 557 NII from deposits: Average spread lower due to intense competition for deposits and a structurally higher share of savings and term deposits, supported by NII from deposits 6,08
Slide 15: Stronger performance in Q2 supports improving fee income trend
Net fees and commissions Stronger performance in Q2 supports Year-to-date improving fee income trend (CZK million) +1.0% 3,420 3,453 Transaction fees 835 825 Transaction fees -1% Continued, and also seasonal in Q2, growth in the number of card and cashless Deposit product fees 373 410 181 10% 187 pa
Slide 16: Solid level of client activity
Net profit from financial operations Solid level of client activity Year-to-date +6.5% (CZK million) 2,016 1,893 Capital markets Capital markets 821 19% 975 Environment in Q2 influenced mainly by developments in the Middle East, Net gains on FX from payments reflected in increased volatility in CZK
Slide 17: Continued focus on operating efficiency
Operating expenditures Continued focus on operating efficiency Year-to-date -2.6% (CZK million) Personnel expenses: Annual base salary increase by average 2.5% effective from Personnel costs April offset by lower staff number and adjustment to variable pay accrual. Average -4,311 -7% -3,988 GAE (exc
Slide 18: Agenda
Agenda Highlights as of 30 June 2026 Highlights as of 30 June 2026 Macroeconomic environment Macroeconomic environment Business performance Business performance Financial performance Financial performance Asset quality and cost of risk Capital and dividends Capital and dividends Outlook for 2026 Out
Slide 19: 2Q 2026 Cost of risk evolution
Cost of risk 2Q 2026 Cost of risk evolution Total cost of risk (CZK million) 496 529 49 130 328 2Q 2026 CoR net release at CZK 39 million, -3 bps YtD 607 479 192 466 101 39 Positively influenced by: 1 136 0 127 0 -26 34 4 -111 0 -1 -336 • Decrease of sectorial overlay -1 1Q 2025 2Q 2025 3Q 2025 4Q 2
Slide 20: Excellent asset quality
Loan portfolio quality Excellent asset quality Group lending (CZK billion) +10.0% +3.5% 905.8 914.1 945.8 849.3 859.5 868.0 NPL ratio stable at 1.5%, driven by the (i) successful resolution of several corporate NPL, (ii) write-offs and sales on retail and (iii) stable default rates 714.4 755.8 768.6
Slide 21: Agenda
Agenda Highlights as of 30 June 2026 Highlights as of 30 June 2026 Macroeconomic environment Macroeconomic environment Business performance Business performance Financial performance Financial performance Asset quality and cost of risk Asset quality and cost of risk Capital and dividends Outlook for
Slide 22: Capital to remain at a prudent level through optimised capital structure
Capital Capital to remain at a prudent level through Contributions to shareholders’ equity in 1H 2026 optimised capital structure (CZK million) 128,921 8,519 Total capital adequacy at 17.3% over the Overall Capital Requirement of 16.6%. -18,056 CET 1 ratio at 16.0% over the required 12.0% (minimum T
Slide 23: Agenda
Agenda Highlights as of 30 June 2026 Highlights as of 30 June 2026 Macroeconomic environment Macroeconomic environment Business performance Business performance Financial performance Financial performance Asset quality and cost of risk Asset quality and cost of risk Capital and dividends Capital and
Slide 24: 2026 outlook (base scenario as of 30 June 2026)
Outlook for 2026 2026 outlook (base scenario as of 30 June 2026) The text below updates and replaces outlook for 2026 originally presented Key macroeconomic assumptions: alongside release of KB’s full year 2025 results on 6 February 2026 and 2026 GDP +2.1%, Inflation +2.1% (average), 2W repo rate 3.
Slide 25: Agenda
Agenda Highlights as of 30 June 2026 Highlights as of 30 June 2026 Macroeconomic environment Macroeconomic environment Business performance Business performance Financial performance Financial performance Asset quality and cost of risk Asset quality and cost of risk Capital and dividends Capital and
Slide 26: Number of clients and distribution network
KB Group clients and distribution network Number of clients and distribution network Number of bank clients (thousands, CZ) 30-Jun-25 30-Jun-26 YoY 1,727 1,778 1,811 1,625 1,652 1,664 Number of clients KB Group’s customers 2,241,000 2,313,000 +72,000 Komerční banka 1,755,000 1,811,000 +56,000 – Indi
Slide 27: Income statement
Consolidated income statement Income statement (CZK million, unaudited) 1H 2025 1H 2026 YoY 2Q 2025 1Q 2026 2Q 2026 YoY QoQ Net interest income 12,808 12,949 1.1% 6,404 6,443 6,506 1.6% 1.0% Net fee and commission income 3,420 3,453 1.0% 1,652 1,638 1,815 9.9% 10.8% Net profit on financial operation
Slide 28: Balance sheet
Consolidated statement of financial position Balance sheet (CZK million, unaudited) 30-Jun-25 31-Dec-25 30-Jun-26 YoY rel. YoY abs. Ytd rel. Ytd abs. Assets 1,604,596 1,599,579 1,803,920 12.4% 199,324 12.8% 204,341 Cash and current balances with central bank 74,426 91,662 95,154 27.8% 20,728 3.8% 3,
Slide 29: Capital & profitability indicators
Financial ratios Capital & profitability indicators Adjusted for IFRIC 21 Reported linearisation* (year-to-date, IFRS 9) 30-Jun-25 31-Dec-25 30-Jun-26 30-Jun-25 30-Jun-26 Tier 1 ratio = Core Tier 1 ratio 17.7% 17.1% 16.0% Risk weighted assets for credit risk (CZK billion) 444.7 467.9 507.3 Net inter
Slide 30: Business performance of subsidiaries (1/2)
Overview of KB subsidiaries Business performance of subsidiaries (1/2) 1H 2025 1H 2026 YoY Modrá pyramida (100%) building savings & loans company Volume of new loans (CZK million) 7,117 2,864 -60% Volume of total loans (gross, CZK million) 98,734 95,382 -3% Volume of deposits (CZK million) 46,369 43
Slide 31: Business performance of subsidiaries (2/2)
Overview of KB subsidiaries Business performance of subsidiaries (2/2) 1H 2025 1H 2026 YoY Factoring KB (100%) factoring company Factoring turnover (CZK million) 37,885 40,127 6% Volume of total financing (gross, CZK million) 11,830 13,567 15% Average number of FTEs* 0.2 0.2** n.a. KB Pojišťovna (49
Slide 32: Capital requirements, MREL, Tier 2
MREL, TIER 2 Capital requirements, MREL*, Tier 2 Own funds and eligible liabilities (for MREL) 27.8% Total requirement = MREL + CBR (26.9% as of 30 June 2026) MREL requirement (as from 15 June 2026): 20.6% RWA, 5.91% Total Risk Exposure 10.5% MREL Total requirement = MREL + CBR = 20.6% + 6.25% = 26.
Slide 33: Czech macroeconomic environment and interest rates
Czech macroeconomic environment and interest rates Czech macroeconomic environment and interest rates Average market rates on new CZK loans and market interest rates (%, until May/Jun 2026) KB Group results as of 30 June 2026 33
Slide 34: KB - #1 listed Czech bank
KB shares and shareholder structure KB - #1 listed Czech bank Shareholder structure Appreciation of KB shares since October 2001 (acquisition of majority stake by SG) in % (excluding dividends) (1 October 2001 – 30 June 2026) • The number of shareholders comprised 93,841 corporate entities and priva
Slide 35: Investor relations
Investor relations Komerční banka, a.s. Na Příkopě 33, 114 07 Prague 1 Email: investor_relations@kb.cz Tel.: +420 955 532 156 Internet: www.kb.cz/investors Reuters: BKOM.PR Bloomberg: KOMB CP