Komercni Banka As (KMERF) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Welcome from Koneczny Barka. Thank you for sharing your time with us. Again, this time it is the 31st of July 2025 today and we are going to discuss the second quarter of 2025. Please note that this call is being recorded. Our speakers today will be Jan Michalka, Chairman of the Management Board and CEO of Komerský Banka, Ježiš Perolovic, Chief Financial Officer and Didier Collin, Chief Risk Officer. And standing by and ready to answer your questions for them are Margu Simson, Chief Digital Officer, Miroslav Hirschel, Head of Retail Banking and Katarína Korucová, Head of CodeThread and Investment Banking. As always we will begin with the presentation of results which will be followed by a questions and answer session. During the presentation part Please, we would appreciate if you could keep your microphone muted and all participants will be on listen-only mode. So that's for the housekeeping and now let me ask the CBO Jani Falka to begin the presentation. Thank you. Hello everyone, thank you for being with us. It's my pleasure together with my colleagues to lead you through the presentation and obviously we are very much looking forward for the questions. Let me kick off with the opening page by saying that we are coming to the market with probably unexpectedly high level of increase of the bottom line. And I think that we need to provide a bit of comments on how did we get there, as we are mainly counting with release of provisions as one of the contributors to the Q2 results. Having said that, Komeční is being built on rock-solid balance sheets, very strong on the side of capital, very strong on the side of the quality of our assets, and pretty solid growth in the commercial activities across all the relevant segments. Konechny was growing not only on that side, b...