Komercni Banka, A.s. · PSECZ:KOMB
Komercni Banka, A.s — Q1 2026 Earnings Presentation
16 slides from Komercni Banka, A.s's earnings presentation, Apr 30, 2026
Slide 1: Results Q1 2026
Results Q1 2026 Inside information
Slide 2: Komerční banka in 1Q 2026: increase in number of clients and revenues
Komerční banka in 1Q 2026: increase in number of clients and revenues, dynamic growth of loans and deposits “In the first quarter of this year, we saw generally very strong business activity. The number of our clients continued to grow. Consumer lending accelerated significantly. The volume of new m
Slide 3: Business performance, financial performance, capital and liquidity
Prague, 30 April 2026 – Komerční banka reported today its unaudited syndicated loans. Net income from financial operations increased adjusted for the ‘foreseeable dividend’ at the level of a 80% payout consolidated results for the first quarter of 2026. year on year thanks to solid client demand for
Slide 4: Market environment (in first quarter 2026)
Market environment (in first quarter 2026) 1) During the first quarter, global financial markets were largely in an annual rate at 1.9% in March 2026. The dynamics of core inflation 0.9% quarter on quarter in the fourth quarter of 2025 and were up uptrend until the end of February, when tensions esc
Slide 5: Developments in the client portfolio and distribution networks
Developments in the client portfolio and distribution networks Change 31 Mar 2025 31 Mar 2026 YoY KB Group's customers 2,231,000 2,287,000 56,000 Komerční banka 1,738,000 1,798,000 60,000 – Individual clients 1,496,000 1,556,000 60,000 – KB+ users 1,136,000 1,673,000 537,000 Modrá pyramida 378,000 3
Slide 6: 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 2026. BUSINESS PERFORMANCE Loans to customers Lending to small
Slide 7: Financial performance
FINANCIAL PERFORMANCE Income statement mutual funds and insurance were up, driven by higher client assets regulatory funds) were stable, at CZK 982 million. A slight increase in managed in these products. most categories of administrative expenses was offset by a decline Komerční banka’s revenues (n
Slide 8: Statement of financial position
Net result from subsidiaries and associates amounted to CZK 0 (nil), Statement of financial position Revaluation differences on portfolio hedge items totalled unchanged from the prior year. CZK (0.8) billion, higher by 83.1%. Current and deferred tax assets Unless indicated otherwise, the following
Slide 9: Equity; regulatory capital and other regulatory requirements
The provisions balance was (10.7%) lower, at CZK 0.7 billion. Regulatory capital and other regulatory requirements As of 31 March 2026, KB Group’s Liquidity Coverage Ratio came Provisions for other credit commitments are held to cover credit to 162% and Net Stable Funding Ratio to 142%. The applicab
Slide 10: Developments in corporate governance
Developments in corporate governance The Annual General Meeting held on 23 April 2026 approved, among other items, the annual financial statements and consolidated financial statements for the year 2025 and distribution of profit, the Report on Remuneration for the year 2025, and amendments to the A
Slide 11: ANNEX: Consolidated results as of 31 March 2026 under IFRS
ANNEX: Consolidated results as of 31 March 2026 under International Financial Reporting Standards (IFRS) Profit and Loss Statement Reported Recurring Change Change 1Q 2025 1Q 2026 YoY 1Q 2025 1Q 2026 YoY (CZK million, unaudited) Net interest income 6,404 6,443 0.6% 6,404 6,443 0.6% Net fee and commi
Slide 12: Statement of Financial Position
Statement of Financial Position 31 Dec 2025 31 Mar 2026 Year to date (CZK million, unaudited) Assets 1,599,579 1,741,937 8.9% Cash and current balances with central bank 91,662 87,882 (4.1%) Loans and advances to banks 333,989 470,299 40.8% Loans and advances to customers (net) 904,839 906,079 0.1%
Slide 13: Retail segment overview; senior non-preferred loans
Business performance in retail segment – overview 31 Mar 2026 Change year on year (CZK billion) Mortgages to individuals – volume of loans outstanding 315.4 9.8% Building savings loans (MPSS) – volume of loans outstanding 97.8 (0.4%) Consumer loans (KB + ESSOX + PSA Finance) – volume of loans outsta
Slide 14: Subordinated debt and financial calendar
Subordinated debt as of 31 March 2026: 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% 13 Mar 2026 EUR 150m 13 Mar 2031 1M Euribor + 1.69% * Call option exercise date is 5 years b
Slide 15: 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 16: Reconciliation of 'Net interest margin' calculation
Reconciliation of ‘Net interest margin’ calculation, (CZK million, consolidated, unaudited): (source: Profit and Loss Statement) 1Q 2026 1Q 2025 Net interest income, year to date 6,443 6,404 Of which: Loans and advances at amortised cost 13,669 13,671 Debt securities at amortised cost 1,416 1,402 Ot