KB Group 4Q 2025 Financial Results Presentation

Prague, 6 February 2026

Komerční banka Group

Consolidated unaudited results as of 31 December 2025

‌Agenda

Highlights as of 31 December 2025 KB 2025 strategy delivery Macroeconomic environment Business performance

Financial performance

Asset quality and cost of risk Capital and dividends Outlook for 2026

Appendix

Strong delivery on key objectives: KB 2025 transformation, profitability, growth in number of clients, volume of loans and deposits

Highlights of FY & 4Q 2025

KB Group results as of 31 December 2025 4

‌Agenda

Highlights as of 31 December 2025 KB 2025 strategy delivery Macroeconomic environment Business performance

Financial performance

Asset quality and cost of risk Capital and dividends Outlook for 2026

Appendix

KB 2025 transformation delivered: positioned for profitable growth

Strategy

KB+ positions Komerční banka as a leader in digital banking by focusing on simplicity, convenience and security

Comprehensive financial services: KB+ integrates transaction banking, savings, investments, insurance, pensions, loans, and assistance services in one platform for convenience

Consistent user experience: KB+ offers a unified design and functionality across both mobile and web platforms for seamless transitions

Multicurrency account support: Supports 13 currencies enabling instant foreign exchange and dynamic FX rate setting

Account customisation: Users can choose account numbers, name accounts, and organize fund with up to 10 saving envelopes

Drag-and-drop payments: Simple instant money transfers with intuitive drag-and drop functionality or via QR code

Enhanced security: The app uses biometric authentication, real-time identity verification, and fraud prevention

Integrated authentication: Integration of KB Klíč into KB+ removes the need for separate

authentication apps, enhancing security and convenience

KB+ financial ecosystem and security

Market momentum and adoption

Client acquisition and KB+ migration

Rapid user growth

KB+ reached over 1.6 million active users, marking it as a top-growing platform in the region

KB reports accelerated onboarding of new clients to the bank: 135,000 in 2025 (v. 102,000 in 2022) The total number of KB Group clients increased by 42,000 in 2025 to 2,268,000

Customer migration success

Migration of individual clients to the KB+ platform essentially completed in 2025 (except in special situations), streamlining servicing onto one platform

Fast migration of individual customers to KB+

2.0

1.5

1.0

0.5

0.0

Jan-23 Apr-23 Jul-23

Oct-23 Jan-24

KB+ Individuals

Apr-24 Jul-24 Oct-24 Jan-25 Apr-25 Jul-25 Oct-25

Total KB Bank Individuals

Building growth on customer loyalty and refocused distribution network

Client satisfaction and distribution network focus

Distribution network re-engaged in growth Following the successful completion of the KB+ migration in Individuals segment, which absorbed a significant share of frontline capacity in 2023-2025, KB's distribution network is fully refocused from 2026

Client satisfaction rebounding beyond pre-transformation

After an initial "learning-curve" phase typical of large-scale transformations, client satisfaction in retail has rebounded strongly. Client satisfaction in business segment has remained high

Net Promoter Score development

on core sales and advisory activities, supporting

Individuals segment (3M moving average)

Business segments (2025 measurement)

renewed commercial momentum and client acquisition

Digital sales driving scalable and advisory-led growth

The increase in the share of digital product sales from

40

30

20

10 6

37

NPS KB+ Individuals

78 88 82

56

48

37

17% in 2020 to over 55% in 2025 structurally lowers the

0

Jan-24 Jul-24 Jan-25 Jul-25

Small

Medium-Municipalities Large International

SGEF

cost-to-serve incremental clients, while freeing up

businesses

sized

firms

companies

relationship managers' capacity to focus on higher value-added advisory, complex client needs, and revenue-generating interactions

NPS in Individuals segment now exceeding pre-transformation levels- once system stability improved and clients became familiar with the new KB+ platform, the underlying quality and customer value of the solution translated into superior client experience

companies

Corporate banking client satisfaction remains high thanks to the highly appreciated approach of banking advisors, expert advice, and the breadth and quality of KB Group's product offering.

Stronger, more agile bank prepared for the opportunities ahead

New Digital Bank operational features

Simplified, digital-first operating model

By streamlining the retail product portfolio from 598 to 31 products, fully digitalising end-to-end product journeys, and re-contracting all migrated clients onto flexible framework agreements, KB has materially strengthened its competitiveness, agility, and operational efficiency

Proven capability to deliver complex transformation

Through the successful build of KB's new digital bank and the large-scale migration of individual clients to the KB+ platform, KB has developed deep execution know-how and transformation experience, strengthening its ability to deliver future complex initiatives, including advanced AI deployment

Agile and simplified bank enabling faster time-to-market

The application of agile@scale across KB, combined with end-to-end digitalisation of customer and banking journeys and significant simplification, enables faster reaction to changing client preferences and market conditions, while materially shortening time-to-market for new products and features

Higher stability and operational resilience

Modernized core and gradually decommissioned legacy reduce outages, incident rates, and maintenance burden-improving service levels and predictability

Data & AI-ready platform

Unified data models and digitized journeys improve data quality and real-time availability, accelerating analytics, automation, and AI use cases across operations

Strong compliance & risk

Standardized products and harmonized processes simplify controls, reduce variability, and improve auditability and regulatory compliance

Cost rationalization & productivity increase

Automation removes routine tasks, letting relationship managers and specialists concentrate on complex cases, proactive service, and cross-sell opportunities. Average number of employees (FTE) in 2025 down by -16% compared to 2019. Consolidation of systems and contracts reduces vendor complexity, integration overhead, and run-the-bank costs, supporting sustainable efficiency gains

‌Agenda

Highlights as of 31 December 2025 KB 2025 strategy delivery Macroeconomic environment Business performance

Financial performance

Asset quality and cost of risk Capital and dividends Outlook for 2026

Appendix

Czechia - economy

Czech GDP development (% year-on-year)

6

4

2

0

-2

-4

-6

KB Economic Research Forecast

2.9

0.2

1.1

2.5

2.7

2.7

2022

GDP

Households

2023

2024

2025E

Inventories Net export

2026F

Others

2027F

Government

Fixed investment

Cyclical acceleration with durable growth outlook

GDP in 4Q 20251) up by 0.5% QoQ and up by 2.4% YoY. YoY GDP growth was supported mainly by household consumption. Growth of GDP in 2025 was 2.5%

Industrial production +5.7% YoY, construction output +6.1% YoY in November 2025 Wages in 3Q 2025 up +7.1% YoY nominal and +4.5% YoY real

Unemployment rate at 3.2% in November 20252)

Capacity utilization in manufacturing industry

(%)

86

84

82

80

78

0

2023

2024

Czechia

2025

EU

Germany

Source: European Commission/Eurostat

Consumer price inflation at 2.1% YoY in December (-0.3% MoM). Core inflation at 2.8% YoY. HICP (Eurostat) at 1.8% YoY in November

As of 31 December 2025, EUR/CZK at 24.25, CZK stronger by 0.4% QoQ and by 3.7% YoY; USD/CZK was at 20.63, CZK stronger by 0.5% QoQ and by 14.9% YoY

CNB 2W repo rate at 3.5% (-50 bps Ytd)

As of 31 December 2025, 3M PRIBOR was 3.52% (-40 bps Ytd). 10Y IRS was at 4.12% (+32bps Ytd), 5Y IRS at 3.83% (+17bps Ytd) and 10Y CZGB at 4.66% (+44bp)

Notes: Source of indicators Czech Statistical Office, CNB, unless stated otherwise.

1) According to flash estimate of Czech Statistical Office from 30 January 2026

2) According to Eurostat, seasonally adjusted

KB Group results as of 31 December 2025 12

‌Agenda

Highlights as of 31 December 2025 KB 2025 strategy delivery Macroeconomic environment Business performance

Financial performance

Asset quality and cost of risk Capital and dividends Outlook for 2026

Appendix

Loans to clients

Group lending (excl. repo, incl. client bonds)

(CZK billion)

+6.8%

838.2

96.4 284.2

39.0

848.3

97.6 286.6

39.1

849.3

98.1

287.3

39.1

859.5

98.7 291.7

39.5

+4.3%

868.0

99.0 299.3

39.8

905.8

39.4

1.2%

7.4%

0.6%

8.2%

3Q 2024

4Q 2024

1Q 2025

2Q 2025

3Q 2025

4Q 2025

Building saving loans Consumer loans

Mortgages to individuals Business and other loans

Gross loans to clients up 6.8%

Net loans to deposits ratio at 83.1%. LCR 159%. NSFR 130%

Consumer loan production accelerated recently, following successful rollout of additional financing products in KB+

Group business and other loans (excl. repo, incl. client bonds)

(CZK billion)

+8.2%

+7.0%

418.6 424.9 424.7 429.6

48.3 47.9 47.9 48.7

335.1 340.4 341.3 344.2

35.2 36.6 35.5 36.7

3Q 2024 4Q 2024 1Q 2025 2Q 2025

429.9

49.7 343.7

36.5

3Q 2025

459.9

50.3

370.7

5.0%

8.9%

Small businesses (KB, ESSOX)

KB corporates, ESSOX Wholesale, Factoring and other

38.8 6.2%

4Q 2025

SGEF leasing

New sales of housing loans in FY 2025 up 56.9% YoY. Quarterly sales in Q4 the highest since 2021

13,192

Sales volume of housing loans (KB mortgages + MPSS loans)

(CZK billion)

+82.2%

18,787

21,704

+4.5%

22,677

14,000

3Q 2024

4Q 2024

1Q 2025

2Q 2025

3Q 2025

4Q 2025

12,448

Business lending boosted towards year-end by several large deals but underlying demand for investment lending remains affected by increased corporate clients' bond issuance and global economic uncertainty

Negative contribution from 3.7% YoY appreciation of CZK v. EUR represents 1.0% of total lending.

Negative contribution from 0.4% QoQ appreciation of CZK v. EUR represents 0.1% of total lending.

Selected corporate deals 4Q 2025

Tombstones

Client deposits +5.8%, other AUM up 5.5% Group deposits (excluding repo operations)

Deposits and other AUM

Non-deposit assets under management

(CZK billion)

+5.8%

+2.9%

(CZK billion)

+5.5%

1,057.6 1,029.5 1,038.9 1,031.5 1,058.3 1,088.8

+0.7%

50.4

50.4

48.6

46.4

45.1

44.7

-11.2%

273.9 278.7 283.0 290.0 291.9 293.9

153.6 158.9 163.1 167.6 168.4 168.3

5.9%

337.4 341.4 337.1 338.2 343.0 356.4

661.6 630.9 648.1 639.7 661.0 680.7

4.4%

7.9%

46.4 46.1 46.5 47.1 47.4 48.2

73.8 73.7 73.4 75.2 76.1 77.3

4.7%

4.9%

8.3 3Q 2024

6.9 4Q 2024

5.2 1Q 2025

7.3 2Q 2025

9.1 3Q 2025

6.9 4Q 2025

3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025

AUM in mutual funds

KP Life insurance reserves (total savings)

Client assets managed by KB Pension company

Building savings

KB Individual deposits

Business deposits

Other deposits

+5.8%

+2.9%

Sales of mutual funds (CZK billion)

439.7

7.1

458.1

7.1

436.9

6.7

454.2

7.1

340.5

6.7

476.9

6.1

Insurance gross premium written (CZK billion)

1,057.6 1,029.5 1,038.9 1,031.5 1,058.3 1,088.8

-5.9%

29.1%

3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025

2024

Current accounts

Term and savings accounts

Other payables to customers



‌Agenda

Highlights as of 31 December 2025 KB 2025 strategy delivery Macroeconomic environment Business performance

Financial performance

Asset quality and cost of risk Capital and dividends Outlook for 2026

Appendix

Net profit growth driven by reduced costs, release of provisions

Profit & Loss

Drivers for year-on-year change in attributable net profit (as of 31 Dec 2025) (CZK million)

+4.7%

+22.3%

17,243

14,762

-2,481

567

-337

380

2,477 309

362

18,056

-305

-159

Reported One- Recurring NII NFC NPFO & Regul. FY 2024 off in FY 2024 other funds FY 2024 NBI

OPEX

(w/o Regul. funds)

CoR Other* Tax Reported

FY 2025

*Other includes: Income from share of associated companies, Net profit/(loss) on subsidiaries and associates, Net

profits on other assets and Profit attributable to the Non-controlling owners

Profitability indicators for FY 2025

Return on avg.

Tier 1 capital (RoT1) 18.1%

Return on avg. assets (ROAA)

1.2%

Development of quarterly net profit…

(CZK million)

-4.9%

6,195

-6.3%

3,713

4,705

4,186

4,623

4,775

4,472

3Q 2024

4Q 2024

1Q 2025

2Q 2025

3Q 2025

4Q 2025

Reported profit attributable to the shareholders Recurring profit*

* Excluding one-off gain from sale of HQ building in 3Q 2024

…and its drivers

-9

-369

-12

-40

-932

496

-382

-850

529

-21

-817

328

-10

-830

130

-13

-804

3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025

NBI

OPEX w/o Regulatory funds

Regulatory funds

CoR

Other

-4,203

-4,035

-4,107

-4,213

-4,371

-4,257

9,362

9,322

9,039

9,135

Liabilities and equity (CZK billion)

Year-on-year

+4.1%

1,536

1,600

13.1%

4.0%

13

66

62

30

63

53

31 Dec 2024

31 Dec 2025

138.9%

-3.8%

-14.3%

-0.9%

Amounts due to banks Amounts due to customers Securities issued

Subordinated and senior non preferred debt

Other liabilities

Total equity

129

130

Year-on-year

+4.1%

1,536

1,600

4.1%

6.1%

-2.9%

4.6%

31 Dec 2024

229

40

31 Dec 2025

Amounts due/from banks incl. central bank Loans and advances to customers (net) Securities and trading derivatives

Other assets

Assets

(CZK billion)

Balance sheet up by 4.1% year-on-year

Statement of financial position

NII growth driven by volumes, NIM almost stable

Net interest income

Year-to-date (CZK million)

+2.2%

25,278

25,845

Other

NII from deposits NII from loans

NII from IB

1%

FY 2024

FY 2025

3%

2%

4%

1,714

Quarterly

(CZK million)

-0.8%

+0.5%

6,256

360

2,987

6,587

414

6,404

423

6,404

449

6,501

425

6,535

482

386

3Q 2024

464

4Q 2024

530

1Q 2025

428

2Q 2025

2,678

435 3Q 2025

2,633

476 4Q 2025

2,578

2,524

2,583

2,602

Net interest margin (%)

1.64% 1.64% 1.72% 1.74% 1.71% 1.71% 1.67% 1.70% 1.68% 1.70% 1.69% 1.72%

3Q 2024

4Q 2024

1Q 2025

Year-to-date

2Q 2025

3Q 2025

4Q 2025

Quarter-to-date

NII from deposits: marginal decrease in spreads due to intense competition for deposits. Non-interest-bearing mandatory reserve requirement doubled (to 4%) from January 2025

NII from loans: lending spreads drifted lower towards year-end

Other NII: influenced by profit accrual, rates development

Average market rates on new CZK loans (%, until December 2025)

10

8

6

4

7.98

5.16

4.57

4.23

3.54

0

01/23

Consumer loans Mortgages Business loans 3M PRIBOR

5Y IRS

07/23

01/24

07/24

01/25

07/25

Year-to-date (CZK million)

-4.6%

7,291

6,954

Transaction fees Deposit product fees Loan fees

Fees from cross-selling

Spec. fin. services & Other

444

375

FY 2024

FY 2025

Positive fee income trajectory setting aside exceptional base from 4Q 2024

Transaction fees

Impact from inclusion of wire transfers in KB+ subscription plans. Total number of transactions up driven by card and direct banking payments

Deposit product fees

Gradually increasing share of clients with higher subscription plans within KB+. Lower fees for building savings accounts

Loan fees

Quarterly

(CZK million)

-21.3%

1,665

455

180

567

361

3Q 2024

132

2,366

470

165

+11.2%

102

963

97

1,768

394

188

582

84

1,652

440

185

82

1,673

373

191

111

1,861

434

190

658

636

4Q 2024

506

1Q 2025

327

2Q 2025

358

3Q 2025

468

4Q 2025

615

Better income from consumer loans, stable housing loans. YoY lower income from credit cards, overdrafts, retail business loans

Fees from cross-selling

High base of performance fees from mutual funds and pension funds in 4Q 2025. Besides, better income from mutual funds, insurance, card acquiring

Specialised financial services and other fees

Seasonally stronger private banking fees in 4Q, solid DCM services, custody

Net fees and commissions

Good annual result in the volatile economic backdrop

Sales activity

Fairly normal client hedging activity in 4Q 2025 reflecting decent financing activity, higher rates at the longer end of the yield curve

Quarterly

(CZK million)

-10.1%

-14.6%

1,089

1,048

1,103

937

956

942

3Q 2024

4Q 2024

1Q 2025

2Q 2025

3Q 2025

4Q 2025

542

598

544

529

568

632

Client FX hedging activity impacted by continued CZK appreciation Continued competitive pressure on pricing/spread levels

Year-to-date (CZK million)

Capital markets

Net gains on FX from payments

Other

Net profit from financial operations

+2.8%

3,832 3,938

Net gains on FX from payments

Overall higher number of FX transactions YoY, adjusted spreads

Alterations to clients' use of KB+ multicurrency accounts

FY 2024

FY 2025

Year-to-date (CZK million)

-4.2%

Personnel costs

GAE (excl. Res. and similar funds) Resolution and similar funds Depreciation

-5%

-806

-3,817

-17,725

FY 2024

-4%

-47%

7%

-4,181

-425

-4,096

-16,983

FY 2025

-4,371

Reduction in operating costs, benefiting from ongoing digitalisation and optimisation

Personnel expenses: average number of employees (FTE) in FY25 decreased year on year by -6.5% YoY to 6,971

Administrative costs: savings across all main categories

Regulatory funds: lower 2025 charge for Resolution Fund due to achieving the

target volume of the Fund and yield on Fund's assets

Quarterly

(CZK million)

-3.8%

+4.2%

-2,233

-2,150

-2,226

-2,085

-1,986

-1,983

-1,048

-9

-977

-4,267

3Q 2024

-1,214

-1,006

-4,382

4Q 2024

-982

-12 -382

-1,005

-4,595

1Q 2025

-1,010

-21

-1,013

-4,128

2Q 2025

-1,026

-10

-1,023

-4,044

3Q 2025

-1,164

-13

-1,055

-4,215

4Q 2025

D&A: still reflecting mainly investments in digitalisation, small impact from reduction of premises used

Operating expenditures

Cost to income ratio (%)

Year-to-date (IFRIC linearised)

Regulatory funds contribution

Excluding Resolution and similar funds

49.2 48.2 47.2 46.9 46.1 46.1

2.2 2.2 1.0 1.1 1.1 1.2

47.0 46.0 46.1 45.8 44.9 44.9

9M 2024 FY 2024 1Q 2025 1H 2025 9M 2025 FY 2025

Quarter-to-date (as reported)

46.5

0.1 46.4

3Q 2024

43.6

0.1 43.4

4Q 2024

50.3

4.2 46.1

1Q 2025

45.7

0.2 45.4

2Q 2025

43.4

0.1 43.3

3Q 2025

45.0

0.1 44.9

4Q 2025

‌Agenda

Highlights as of 31 December 2025 KB 2025 strategy delivery Macroeconomic environment Business performance

Financial performance

Asset quality and cost of risk Capital and dividends Outlook for 2026

Appendix

Loan portfolio quality

Group lending (CZK billion)

838.2 848.3

849.3

859.5

868.0

905.8

16.9

15.5

3Q 2024

4Q 2024

1Q 2025

2Q 2025

3Q 2025

71.6

4Q 2025

14.4

Loans - Stage 1

Loans - Stage 2

NPL loans

87.5 16.2 84.0

16.4 118.0

121.9 16.8 123.4

768.6

755.8

714.4

708.5

Excellent asset quality

Loan portfolio up by 6.8% YoY and by 4.3% QoQ Stable credit risk profile

• Stage 2 share down to 7.9% (vs. 9.7% in 3Q 2025), driven by post-inflation reserve release on corporate and consumer finance segments

• NPL share at 1.6% (vs. 1.8% in 3Q 2025), decrease influenced by write-offs and sales of receivables and successful resolution of a few NPL corporate client situations

  Provision coverage

  (CZK million)

  46.9%

  -6,763

  -11,623

  -10,818

  -13,170

  -13,023

  -12,517

  -12,040

  Provisions for Stage 1

  Provisions for Stage 2

  NPL coverage ratio

  Provisions for NPL loans

  -7,273

  -7,428

  44.3%

  44.2%

  47.8%

  -7,397

-3,036

-3,493

-4,095

-2,594

-2,750

• NPL provision coverage ratio stable

  Non-performing loans ratio evolution

  2.0%

  1.9%

  2.0%

  1.9%

  1.8%

  1.6%

  3Q 2024

  4Q 2024

  1Q 2025

  2Q 2025

  3Q 2025

  4Q 2025

  Cost of risk development

  Cost of risk

  Total cost of risk (CZK million)

  496

  -20 1

  2

  -111

  529

  49 479

  1

  328

  192

  0 136

  130

  -168

  -369

  3Q 2024

  -40

  0

  4Q 2024

  1Q 2025

  2Q 2025

  CoR Retail

  CoR Non-retail

  3Q 2025 4Q 2025

  CoR legacy

  -152

  106 6

  -336

  -1

4Q 2025 CoR net release at CZK 130 million

• CZK 466 million net release on non-retail exposures driven by (i) post inflation overlay release, (ii) successful resolution of a few NPL corporate client situations and (iii) creation of a new sectorial overlay

• CZK 336 million net creation on retail exposures driven by new sectorial overlay creation for small business exposures

  FY 2025 CoR net release at CZK 1,483 million (-16 bps)

  Total cost of risk

  (year-to-date, in basis points)

  17

  14

  12

  12

  10

  9

  -22

  3

  -22

  -4

  -20

  -36

  4

  -16

  -38

  -56

  -49

  3Q 2024

  4Q 2024

  1Q 2025

  2Q 2025

  Total

  Non-retail

  3Q 2025

  Retail

  4Q 2025

  11

• Non-retail CoR at -38 bps reflecting (i) successful resolution of one corporate client situation (in Stage 2), (ii) successful resolution of a few NPL corporate client situations and (iii) release of post-inflation overlay

• Retail CoR at +4 bps reflecting (i) YoY lower inflows into default for small business and consumer lending exposures and (ii) adjustments of overlays within the whole retail segment

Segment and stage contribution to FY 2025 CoR

Non-retail NPL portfolio

Non-retail performing portfolio (Stage 1 & 2)

Retail NPL portfolio

Retail performing portfolio (Stage 1 & 2)

-16 bps

-4 bps

-14 bps

1 bps

1 bps

‌Agenda

Highlights as of 31 December 2025 KB 2025 strategy delivery Macroeconomic environment Business performance

Financial performance

Asset quality and cost of risk Capital and dividends Outlook for 2026

Appendix

Capital to remain safely above regulatory requirements

Total capital adequacy at 17.9% over the Overall Capital Requirement of 16.6% CET 1 ratio at 17.1% over the required 12.0% (minimum T1 at 14.0%)

Tier 2 capital represented 0.8% of RWA

KB has taken EUR 2.4 billion of senior non-preferred loans to meet MREL

MREL adequacy at 28.0% over 20.8% MREL requirement, 27.1% total requirement (MREL+ Combined buffer requirement)

Capital

Contributions to shareholders' equity in 2025

(CZK million)

130,037

570

128,921

-1,686

1 Jan

2025

YtD profit Dividends Revaluations* Minority

interest**

31 Dec

2025

* Re-measurement of securities, cash flow hedges, FX positions, pension benefits and equity stakes in associates

** Acquisition of remaining stake in SGEF CZ

Contributions to capital adequacy ratio in 2025

(%)

18.77

-0.21

-0.25

17.92

-0.39

31 Dec RWA Credit RWA Other

2024 Risk

Current Dividend year profit provision

(100%)

OCI &

Other

31 Dec

2025

Total capital adequacy Core Tier 1 ratio

Total capital (CZK billion) CET1 capital (CZK billion) Total RWA (CZK billion)

Credit RWA (CZK billion)

RWA / Total assets

Dividend proposal for 2025 at exceptional level

Capital and dividends

Dividend history (Dividend per share, CZK)

100

100

80

80

60

60

40

40

20

20

0

2019

DPS

2020 2021

Catch-up 2022

2023

0

Pay-out ratio (right)

2024 2025 2026

proposal fore-

seeable

Dividend proposal from 2025 net profit

KB's Board of Directors proposes to the Annual General Meeting payment of dividends in the volume of CZK 18.1 billion (CZK 95.6 per share). This represents a 100% share on the 2025 net profit

KB's capital position vis-a-vis applicable capital requirements

17.9%

0.8%

16.6%

2.6%

17.1%

KB's capital position

Capital requirement

Min. Capital Requirement - 8% Pillar II Add-on - 2.4%

Total SREP - 10.4%

Systemic Risk buffer - 0.5% O-SII buffer - 2%

Other relevant requirement (OSCR) - 12.9%

Conservation buffer - 2.5% Countercyclical buffer - 1.25%

Total - 16.6%

Tier 2

Tier 1

The proposal is in line with the long-term capital management plan, which maintains capital adequacy at a level appropriate to the risks assumed and with respect to the Bank's business opportunities

Dividend guidance for 2026

For the year 2026, the Board of Directors has set the dividend payout policy at 80%

of the attributable net profit generated during the year

This level was adopted in order to safely meet known regulatory requirements while maintaining sufficient room for business growth

‌Agenda

Highlights as of 31 December 2025 KB 2025 strategy delivery Macroeconomic environment Business performance

Financial performance

Asset quality and cost of risk Capital and dividends Outlook for 2026

Appendix