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Prague, 6 February 2026 Komerční banka Group Consolidated unaudited results as of 31 December 2025
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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 are therefore advised not to rely on these figures more than is justified as the Group’s future results are liable to be affected by a number of factors and may therefore differ from current estimates. Readers are advised to take into account factors of uncertainty and risk when basing their investment decisions on information provided in this document. Results and ratios in this presentation are as of 31 December 2025, unless stated otherwise. Komerční banka, a.s., public limited company with registered office: Prague 1, Na Příkopě 33/969; identification number: 45 31 70 54; registered in the Commercial Register maintained by the Municipal Court in Prague, Section B, file 1360 Disclaimer
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Agenda Highlights as of 31 December 2025 KB 2025 strategy delivery KB 2025 strategy delivery 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 Outlook for 2026 Appendix Appendix
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4KB Group results as of 31 December 2025 Business performance Balance sheet & Capital Results FY 2025 Income statement Business performanceQ4 2025 Group net income CZK 4.5 billion -4.9% YoY CZK 23.68 per share Gross loans (outstanding volume) +6.8% YoY +4.3% QoQ Housing loans sales in FY25 +56.9% YoY Other highlights • Completing the KB 2025 programme: in the largest transformation initiative in Czech banking history, Komerční banka delivered a state-of-the-art digital banking infrastructure, replacing core banking, accounting and other systems and launching a new client proposition and application • Successful acquisition of 135,000 new clients to the bank in 2025. Total number of KB Group customers up by 42,000 to 2,268,000 • KB won Corporate Bank of the Year and Bank without Barriers titles in MasterCard Bank of the Year 2025 • Hervé de Kerdrel appointed as a member of the Supervisory Board with effect from 1 January 2026 Highlights of FY & 4Q 2025 Strong delivery on key objectives: KB 2025 transformation, profitability, growth in number of clients, volume of loans and deposits Cost/Income ratio 45.0% Deposits +5.8% YoY +2.9% QoQ Total capital ratio Core Tier 1 Group net income CZK 18.1 billion +4.7% YoY (recurring* +22.3% YoY) CZK 95.61 per share Cost/Income ratio 46.1% ROE 14.2% * Excluding one-off gain from sale of HQ building in 3Q 2024 2025 dividend proposal CZK 18.1 billion (CZK 95.60 per share), 100% of 2025 attributable net profit 2026 dividend guidance* at 80% of 2026 attributable consolidated net profit * foreseeable dividend = intention of management at the current state of affairs ROE 14.3% 17.9% 17.1% Other assets under management +5.5% YoY +0.7% QoQ Mutual funds +5.9% YoY Loan/Deposit ratio 83.1% LCR NSFR 159% 130%
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Agenda Highlights as of 31 December 2025 Highlights as of 31 December 2025 KB 2025 strategy delivery 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 Outlook for 2026 Appendix Appendix
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6 Simplified organisation and modern technology have resulted in permanently lower operating costs Modern technology stack and agile organisation significantly increased speed to market, scalability and resilience of the Group Higher digital sales penetration, faster product innovation and improved customer satisfaction support market share resilience and selective growth Future ready, scalable business model Clear runway for post-2025 growth Stronger competitive positioning Recognised ESG leader Material cost base reset Highlight #8 Rollout of KB+ as a completely new 24/7 digital platform; migration of the Individual clients from legacy systems. Removed legacy constraints, creating a scalable, low-marginal-cost growth engine Strong capital position and earnings quality underpin attractive shareholder distributions KB exits the programme as a simpler, more agile and efficient bank, well positioned to deliver growth and shareholder value Transformation embedded sustainability across operations and products, confirmed by solid MSCI ESG rating and S&P Global CSA Score as well as FTSE4Good index inclusion KB+ new digital bank up and running Enhanced capital generation and returns Strategy KB 2025 transformation delivered: positioned for profitable growth KB Group results as of 31 December 2025
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7 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 KB Group results as of 31 December 2025
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8 Market momentum and adoption Client acquisition and KB+ migration Fast migration of individual customers to KB+ Jan-23 Jul-23 Jan-24 Jul-24 Jan-25 Jul-25 0.0 0.5 1.0 1.5 2.0 Apr-23 Oct-23 Apr-24 Oct-24 Apr-25 Oct-25 KB+ Individuals Total KB Bank Individuals KB Group results as of 31 December 2025 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
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9 Buildinggrowthon customerloyaltyand refocuseddistributionnetwork 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 on core sales and advisory activities, supporting renewed commercial momentum and client acquisition Net Promoter Score development Client satisfaction and distribution network focus 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 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 Digital sales driving scalable and advisory-led growth The increase in the share of digital product sales from 17% in 2020 to over 55% in 2025 structurally lowers the cost-to-serve incremental clients, while freeing up relationship managers’ capacity to focus on higher value-added advisory, complex client needs, and revenue-generating interactions KB Group results as of 31 December 2025 6 37 0 10 20 30 40 Jan-24 Jul-24 Jan-25 Jul-25 NPS KB+ Individuals Individuals segment (3M moving average) 37 48 56 78 88 82 Small businesses Medium- sized companies MunicipalitiesLarge firms SGEFInternational companies Business segments (2025 measurement) 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.
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10 Stronger, more agile bank prepared for the opportunities ahead 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 New Digital Bank operational features KB Group results as of 31 December 2025
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Agenda Highlights as of 31 December 2025 Highlights as of 31 December 2025 KB 2025 strategy delivery KB 2025 strategy delivery 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 Outlook for 2026 Appendix Appendix
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12KB Group results as of 31 December 2025 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) 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 Czech GDP development (% year-on-year) Capacity utilization in manufacturing industry (%) Czechia - economy 0 78 80 82 84 86 2023 2024 2025 EU Germany Czechia -6 -4 -2 0 2 4 6 2022 2023 2024 2025E 2026F 2027F 2.9 0.2 1.1 2.5 2.7 2.7 GDP Households Government Fixed investment Inventories Net export Others KB Economic Research Forecast Source: European Commission/Eurostat
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Agenda Highlights as of 31 December 2025 Highlights as of 31 December 2025 KB 2025 strategy delivery KB 2025 strategy delivery 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 for 2026 Outlook for 2026 Appendix Appendix
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14KB Group results as of 31 December 2025 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+ New sales of housing loans in FY 2025 up 56.9% YoY. Quarterly sales in Q4 the highest since 2021 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. Group lending (excl. repo, incl. client bonds) (CZK billion) Group business and other loans (excl. repo, incl. client bonds) (CZK billion) Loans to clients Sales volume of housing loans (KB mortgages + MPSS loans) (CZK billion) 418.6 424.9 424.7 429.6 429.9 459.9 284.2 286.6 287.3 291.7 299.3 307.7 39.1 1Q 2025 98.7 39.5 2Q 2025 99.0 39.8 3Q 2025 98.896.4 4Q 2025 39.0 3Q 2024 97.6 39.1 4Q 2024 98.1 838.2 848.3 849.3 859.5 868.0 905.8 39.4 +6.8% +4.3% Building saving loans Mortgages to individuals Consumer loans Business and other loans 1.2% 7.4% 0.6% 8.2% 335.1 340.4 341.3 344.2 343.7 370.7 35.5 1Q 2025 48.7 36.7 2Q 2025 49.7 36.5 3Q 2025 50.348.3 4Q 2025 35.2 3Q 2024 47.9 36.6 4Q 2024 47.9 418.6 424.9 424.7 429.6 429.9 459.9 38.8 +8.2% +7.0% Small businesses (KB, ESSOX) KB corporates, ESSOX Wholesale, Factoring and other SGEF leasing 5.0% 8.9% 6.2% 14,000 12,448 13,192 18,787 21,704 22,677 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 +82.2% +4.5%
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15KB Group results as of 31 December 2025 Tombstones Selected corporate deals 4Q 2025
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16 KB Group results as of 31 December 2025 Client deposits +5.8%, other AUM up 5.5% Group deposits (excluding repo operations) (CZK billion) Deposits and other AUM Sales of mutual funds (CZK billion) Non-deposit assets under management (CZK billion) 73.8 73.7 73.4 75.2 76.1 77.3 46.4 46.1 46.5 47.1 47.4 48.2 153.6 158.9 163.1 167.6 168.4 168.3 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 273.9 278.7 283.0 290.0 291.9 293.9 +5.5% +0.7% AUM in mutual funds KP Life insurance reserves (total savings) Client assets managed by KB Pension company 4.7% 4.9% 661.6 630.9 648.1 639.7 661.0 680.7 337.4 341.4 337.1 338.2 343.0 356.4 5.2 1Q 2025 46.4 7.3 2Q 2025 45.1 9.1 3Q 2025 44.750.4 4Q 2025 8.3 3Q 2024 50.4 6.9 4Q 2024 48.6 1,057.6 1,029.5 1,038.9 1,031.5 1,058.3 1,088.8 6.9 +5.8% +2.9% Building savings KB Individual deposits Business deposits Other deposits 476.9 340.5 454.2 436.9 458.1 439.7 574.6 682.3 577.7 587.9 593.1 641.9 6.1 3Q 2024 6.7 4Q 2024 7.1 1Q 2025 6.7 2Q 2025 7.1 3Q 2025 7.1 4Q 2025 1,057.6 1,029.5 1,038.9 1,031.5 1,058.3 1,088.8 +5.8% +2.9% Current accounts Term and savings accounts Other payables to customers -11.2% 4.4% 7.9% -5.9% 29.1% 5.9% Insurance gross premium written (CZK billion) 2024 Gross premium written 6.5 Life 5.3 2025 YoY 7.5 15.2% 6.1 15.3% Non-life 1.2 1.4 15.0% 2024 Gross sales of mutual funds 42.3 Fixed income funds 28.7 2025 YoY 36.3 -14.4% 23.3 -18.8% Equity & other funds 13.7 13.0 -5.0%
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Agenda Highlights as of 31 December 2025 Highlights as of 31 December 2025 KB 2025 strategy delivery KB 2025 strategy delivery 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 2026 Outlook for 2026 Appendix Appendix
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18KB Group results as of 31 December 2025 Net profit growth driven by reduced costs, release of provisions Profit & Loss Development of quarterly net profit… (CZK million) …and its drivers 6,195 3,713 4,705 4,186 4,623 4,775 4,472 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 -4.9% -6.3% 1,649 10,059 496 529 328 130 9,181 -4,371 9,135 9,039 9,322 9,362 -4,257 -4,213 -4,107 -4,035 -4,203-40 -382 -369 -932 -850 -817 -830 -804 -9 3Q 2024 -12 4Q 2024 1Q 2025 -21 2Q 2025 -10 3Q 2025 -13 4Q 2025 NBI OPEX w/o Regulatory funds Regulatory funds CoR Other Reported profit attributable to the shareholders Recurring profit* Profitability indicators for FY 2025 Drivers for year-on-year change in attributable net profit (as of 31 Dec 2025) (CZK million) 567 380 362 2,477 309 -2,481 One- off in FY 2024 14,762 Recurring FY 2024 NII Other* -305 Tax 18,056 CoR Reported FY 2025 OPEX (w/o Regul. funds) Regul. funds NPFO & other NBI -159 NFC -337 17,243 Reported FY 2024 +4.7% +22.3% *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 Return on avg. equity (ROAE) Return on avg. Tier 1 capital (RoT1) Return on avg. tangible equity (ROTE) Return on avg. assets (ROAA) 14.2% 18.1% 16.1% 1.2% * Excluding one-off gain from sale of HQ building in 3Q 2024
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19KB Group results as of 31 December 2025 Balance sheet up by 4.1% year-on-year Liabilities and equity (CZK billion) Statement of financial position Assets (CZK billion) 130 129 13 30 1,175 1,221 92 104 66 62 31 Dec 2024 63 53 31 Dec 2025 1,536 1,600 +4.1% Amounts due to banks Amounts due to customers Securities issued Subordinated and senior non preferred debt Other liabilities Total equity 13.1% 4.0% 138.9% -3.8% -14.3% -0.9% Year-on-year 236 229 853 905 409 426 38 31 Dec 2024 40 31 Dec 2025 1,536 1,600 +4.1% Amounts due/from banks incl. central bank Loans and advances to customers (net) Securities and trading derivatives Other assets Year-on-year 4.1% 6.1% -2.9% 4.6%
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20KB Group results as of 31 December 2025 NII growth driven by volumes, NIM almost stable Net interest income Average market rates on new CZK loans (%, until December 2025) Net interest margin (%) Year-to-date (CZK million) Quarterly (CZK million) 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 01/25 07/25 0 4 01/23 07/23 8 01/24 10 07/24 6 4.57 5.16 3.54 4.23 7.98 Consumer loans Mortgages Business loans 3M PRIBOR 5Y IRS 1.64% 1.72% 1.71% 1.67% 1.68% 1.69%1.64% 1.74% 1.71% 1.70% 1.70% 1.72% 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 Quarter-to-date Year-to-date 10,47310,171 11,72511,540 1,714 1,852 FY 2024 1,778 1,869 FY 2025 25,278 25,845 +2.2% Other NII from deposits NII from loans NII from IB 2,524 2,602 2,583 2,578 2,678 2,633 2,987 3,107 2,868 2,950 2,964 2,944 530 1Q 2025 449 428 2Q 2025 425 435 3Q 2025 482360 4Q 2025 386 3Q 2024 414 464 4Q 2024 423 6,256 6,587 6,404 6,404 6,501 6,535 476 -0.8% +0.5% 4% 2% 3% 1%
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21KB Group results as of 31 December 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 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 Year-to-date (CZK million) Quarterly (CZK million) 1,689 1,659 2,594 2,524 1,843 1,642 720 444 FY 2024 755 375 FY 2025 7,291 6,954 -4.6% Transaction fees Deposit product fees Loan fees Fees from cross-selling Spec. fin. services & Other 361 636 506 327 358 468 567 963 582 615 669 658 102 132 97 84 82 111188 185 191 190455 470 394 440 373 434 180 3Q 2024 165 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1,665 2,366 1,768 1,652 1,673 1,861 -21.3% +11.2% -11% 5% -16% -3% -2%
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Sales activity Fairly normal client hedging activity in 4Q 2025 reflecting decent financing activity, higher rates at the longer end of the yield curve Client FX hedging activity impacted by continued CZK appreciation Continued competitive pressure on pricing/spread levels Net gains on FX from payments Overall higher number of FX transactions YoY, adjusted spreads Alterations to clients’ use of KB+ multicurrency accounts 22KB Group results as of 31 December 2025 Good annual result in the volatile economic backdrop Net profit from financial operations Year-to-date (CZK million) Quarterly (CZK million) 2,2122,234 1,7261,596 2 FY 2024 0 FY 2025 3,832 3,938 +2.8% Capital markets Net gains on FX from payments Other 632 568 529 544 598 542 457 480 408 412 505 400 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1,089 1,048 937 956 1,103 942 -10.1% -14.6% 8% -1%
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23KB Group results as of 31 December 2025 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 D&A: still reflecting mainly investments in digitalisation, small impact from reduction of premises used Year-to-date (CZK million) Quarterly (CZK million) Operating expenditures Cost to income ratio (%) Year-to-date (IFRIC linearised) Quarter-to-date (as reported) -8,731 -8,280 -4,371 -4,181 -3,817 -4,096 -806 FY 2024 -425 FY 2025 -17,725 -16,983 -4.2% -5% -4% -47% 7% Personnel costs GAE (excl. Res. and similar funds) Resolution and similar funds Depreciation -2,233 -2,150 -2,226 -2,085 -1,986 -1,983 -1,048 -1,214 -982 -1,010 -1,026 -1,164 -9 -12 -21 -10 -13 -977 -1,006 -1,005 -1,013 -1,023 -1,055 3Q 2024 4Q 2024 -382 1Q 2025 2Q 2025 3Q 2025 4Q 2025 -4,267 -4,382 -4,595 -4,128 -4,044 -4,215 -3.8% +4.2% 47.0 46.0 46.1 45.8 44.9 44.9 2.2 9M 2024 2.2 FY 2024 1.0 1Q 2025 1.1 1H 2025 1.1 9M 2025 1.2 FY 2025 49.2 48.2 47.2 46.9 46.1 46.1 Regulatory funds contribution Excluding Resolution and similar funds 46.4 43.4 46.1 45.4 43.3 44.9 0.1 3Q 2024 0.1 4Q 2024 4.2 1Q 2025 0.2 2Q 2025 0.1 3Q 2025 0.1 4Q 2025 46.5 43.6 50.3 45.7 43.4 45.0
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Agenda Highlights as of 31 December 2025 Highlights as of 31 December 2025 KB 2025 strategy delivery KB 2025 strategy delivery 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 Outlook for 2026 Appendix Appendix
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25KB Group results as of 31 December 2025 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 • NPL provision coverage ratio stable Group lending (CZK billion) Provision coverage (CZK million) Loan portfolio quality Non-performing loans ratio evolution 16.8 16.4 16.9 16.2 15.5 14.4121.9 123.4 118.0 87.5 84.0 699.6 708.5 714.4 755.8 768.6 819.7 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 71.6 4Q 2025 838.2 848.3 849.3 859.5 868.0 905.8 Loans - Stage 1 Loans - Stage 2 NPL loans -1,647 -1,567 -1,502 -1,491 -1,476 -1,461 -4,095 -4,182 -3,493 -3,036 -2,750 -2,594 -7,428 -7,273 -7,522 -7,514 -7,397 -6,763 -13,170 -13,023 -12,517 -12,040 -11,623 -10,818 Provisions for Stage 1 Provisions for Stage 2 Provisions for NPL loans 44.2% 44.3% 44.6% 46.3% 47.8% 46.9% NPL coverage ratio 2.0% 3Q 2024 1.9% 4Q 2024 2.0% 1Q 2025 1.9% 2Q 2025 1.8% 3Q 2025 1.6% 4Q 2025
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26KB Group results as of 31 December 2025 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) • 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 Total cost of risk (CZK million) Total cost of risk (year-to-date, in basis points) Cost of risk development Cost of risk 607 466479 136 -336 -168 192 -202 1 3Q 2024 106 -152 6 4Q 2024 -1110 1Q 2025 49 1 2Q 2025 0 3Q 2025 -1 4Q 2025 -369 -40 496 529 328 130 CoR Retail CoR Non-retail CoR legacy 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 14 -22 -22 -20 -16 12 -49 -36 -38 17 9 3 -4 4 12 3Q 2024 11 10 4Q 2024 -56 1Q 2025 2Q 2025 3Q 2025 4Q 2025 Total Non-retail Retail
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Agenda Highlights as of 31 December 2025 Highlights as of 31 December 2025 KB 2025 strategy delivery KB 2025 strategy delivery 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 2026 Outlook for 2026 Appendix Appendix
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28KB Group results as of 31 December 2025 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) Contributions to shareholders’ equity in 2025 (CZK million) Contributions to capital adequacy ratio in 2025 (%) Capital 3.19 31 Dec 2024 -0.21 RWA Credit Risk -0.25 RWA Other Current year profit -3.19 Dividend provision (100%) -0.39 OCI & Other 31 Dec 2025 18.77 17.92 18,056 570 1 Jan 2025 YtD profit -18,056 Dividends Revaluations* -1,686 Minority interest** 31 Dec 2025 130,037 128,921 31-Dec-24 Total capital adequacy 18.8% Core Tier 1 ratio 17.6% Total capital (CZK billion) 106.3 CET1 capital (CZK billion) 99.9 Total RWA (CZK billion) 566.3 Credit RWA (CZK billion) 462.2 RWA / Total assets 36.9% 31-Dec-25 17.9% 17.1% 104.0 99.5 580.6 467.9 36.3% * Re-measurement of securities, cash flow hedges, FX positions, pension benefits and equity stakes in associates ** Acquisition of remaining stake in SGEF CZ
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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 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 29KB Group results as of 31 December 2025 Dividend proposal for 2025 at exceptional level Capital and dividends Dividend history (Dividend per share, CZK) KB’s capital position vis-a-vis applicable capital requirements 0 20 40 60 80 100 0 20 40 60 80 100 2019 23.86 2020 43.80 2021 55.50 Catch-up 60.42 2022 82.66 2023 91.30 2024 95.60 2025 proposal 2026 fore- seeablePay-out ratio (right)DPS 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% 0.8% 17.1% KB’s capital position 2.6% 14.0% Capital requirement 17.9% 16.6% Tier 2 Tier 1
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Agenda Highlights as of 31 December 2025 Highlights as of 31 December 2025 KB 2025 strategy delivery KB 2025 strategy delivery 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 Appendix Appendix
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31 Client deposits Revenues Operating expenditures Cost/income ratio Cost of risk ROE Total capital ratio +5.8% +0.2% -4.2% 46.1% 43 – 44% -16 bps 10 – 20 bps +14.2% 13 – 14% 17.9% 17.5 – 18.5% Outlook for 2026 2026 outlook (base scenario) Key macroeconomic assumptions: 2026 GDP +2.7%, Inflation +1.6% (average), 2W repo rate 3.5% (average). CZK/EUR 24.2 (average) 2025 Actuals Target 2026 Loans to clients +6.8% Retail relatively faster Corporate lending growth at mid-single-digitsMid- to high-single-digit growth Investors are advised to consider high level of uncertainty and risks when formulating their investment decisions based on expectations provided above. Key risks identified Escalation of wars, mainly in Ukraine; Trade conflicts; Weak external demand; Sharp changes in interest or FX rates, monetary or fiscal policy Mid- to high-single-digit growth Slightly increasing share of remunerated deposits Mid-single-digit growth in other AUM Mid- to high-single-digit growth Contribution from all main revenue categories NFC growth at mid-single-digits Low-single-digit growth Slight reduction in number of employees, Stable admin costs, continued growth in D&A Positive operating jaws thanks to acceleration in revenues Expected return to creation of loan loss provisions but below across-the-cycle level Operating improvement to be offset by higher cost of risk At least 100 bps above the overall capital requirement KB Group results as of 31 December 2025
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Agenda Highlights as of 31 December 2025 Highlights as of 31 December 2025 KB 2025 strategy delivery KB 2025 strategy delivery 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 Outlook for 2026 Appendix
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33KB Group results as of 31 December 2025 Number of clients and distribution network Number of bank clients (thousands, CZ) KB+ users (individuals and small business) (thousands) KB Group clients and distribution network 1,641 1,625 1,652 1,664 1,727 1,777 2020 2021 2022 2023 2024 2025 3 22 50 137 281 482 717 1,028 1,136 1,269 1,460 1,610 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 31-Dec-24 YoY Number of clients KB Group’s customers 2,226,000 +42,000 Komerční banka 1,727,000 +50,000 – Individual clients 1,485,000 +50,000 – KB+ users 1,028,000 +581,000 Modrá pyramida 390,000 -44,000 KB Penzijní společnost 421,000 -27,000 ESSOX (Group) 109,000 -12,000 Distribution network ATMs (KB network) ATMs (Total shared network) 1,965 -25 Number of active debit cards 1,601,000 +50,000 Number of active credit cards 226,000 +6,000 KB Retail branches 204 -18 31-Dec-25 2,268,000 1,777,000 1,610,000 346,000 394,000 97,000 186 KB Poradenství outlets 187 193 +6 791 757 -34 1,940 1,652,000 231,000 1,536,000
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34KB Group results as of 31 December 2025 Income statement – reported Consolidated income statement (CZK million, unaudited) Net interest income Net fee & commission income 4Q 2024 3Q 2025 4Q 2025 YoY QoQ 6,587 6,501 6,535 -0.8% 0.5% 2,366 1,673 1,861 -21.4% 11.2% Net profit of financial operations 1,048 1,103 942 -10.1% -14.6% Dividend and other income 57 44 23 -59.4% -47.1% Net banking income 10,059 9,322 9,362 -6.9% 0.4% Personnel expenses -2,150 -1,986 -1,983 -7.7% -0.2% General admin. expenses (excl. regulatory funds) -1,214 -1,026 -1,164 -4.1% 13.5% Resolution and similar funds -12 -10 -13 2.6% 31.9% Depreciation, amortisation and impairment of operating assets -1,006 -1,023 -1,055 4.9% 3.2% Total operating expenses -4,383 -4,044 -4,215 -3.8% 4.2% Operating profit 5,676 5,277 5,146 -9.3% -2.5% Cost of risk -40 328 130 +/- -60.4% Net operating income 5,636 5,605 5,276 -6.4% -5.9% Income from share of associated companies 66 99 71 7.3% -27.9% Net profit/(loss) on subsidiaries and associates -74 0 0 +/- n.a. Net profits on other assets -39 11 -35 -10.7% +/- Profit before income taxes 5,590 5,715 5,312 -5.0% -7.0% Income taxes -823 -919 -814 -1.2% -11.4% Net profit 4,766 4,796 4,499 -5.6% -6.2% Profit attributable to the Non-controlling owners 62 21 27 -56.7% 25.5% Profit attributable to the Group’s equity holders 4,704 4,775 4,472 -4.9% -6.3% FY 2024 FY 2025 YoY 25,278 25,845 2.2% 7,291 6,954 -4.6% 3,832 3,938 2.8% 386 120 -68.9% 36,786 36,857 0.2% -8,731 -8,280 -5.2% -4,371 -4,181 -4.3% -806 -425 -47.2% -3,817 -4,096 7.3% -17,725 -16,983 -4.2% 19,061 19,874 4.3% -994 1,483 +/- 18,067 21,357 18.2% 257 339 31.6% -127 0 +/- 2,329 -12 +/- 20,527 21,683 5.6% -3,119 -3,511 12.6% 17,407 18,172 4.4% 164 116 -29.2% 17,243 18,056 4.7% Year-to-date Quarter-to-date
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35KB Group results as of 31 December 2025 Income statement – recurring Consolidated income statement (CZK million, unaudited) Net interest income Net fee & commission income 4Q 2024 3Q 2025 4Q 2025 YoY QoQ 6,587 6,501 6,535 -0.8% 0.5% 2,366 1,673 1,861 -21.4% 11.2% Net profit of financial operations 1,048 1,103 942 -10.1% -14.6% Dividend and other income 57 44 23 -59.4% -47.1% Net banking income 10,059 9,322 9,362 -6.9% 0.4% Personnel expenses -2,150 -1,986 -1,983 -7.7% -0.2% General admin. expenses (excl. regulatory funds) -1,214 -1,026 -1,164 -4.1% 13.5% Resolution and similar funds -12 -10 -13 2.6% 31.9% Depreciation, amortisation and impairment of operating assets -1,006 -1,023 -1,055 4.9% 3.2% Total operating expenses -4,383 -4,044 -4,215 -3.8% 4.2% Operating profit 5,676 5,277 5,146 -9.3% -2.5% Cost of risk -40 328 130 +/- -60.4% Net operating income 5,636 5,605 5,276 -6.4% -5.9% Income from share of associated companies 66 99 71 7.3% -27.9% Net profit/(loss) on subsidiaries and associates -74 0 0 +/- n.a. Net profits on other assets -39 11 -35 -10.7% +/- Profit before income taxes 5,590 5,715 5,312 -5.0% -7.0% Income taxes -823 -919 -814 -1.2% -11.4% Net profit 4,766 4,796 4,499 -5.6% -6.2% Profit attributable to the Non-controlling owners 62 21 27 -56.7% 25.5% Profit attributable to the Group’s equity holders 4,704 4,775 4,472 -4.9% -6.3% FY 2024 FY 2025 YoY 25,278 25,845 2.2% 7,291 6,954 -4.6% 3,832 3,938 2.8% 386 120 -68.9% 36,786 36,857 0.2% -8,731 -8,280 -5.2% -4,371 -4,181 -4.3% -806 -425 -47.2% -3,817 -4,096 7.3% -17,725 -16,983 -4.2% 19,061 19,874 4.3% -994 1,483 +/- 18,067 21,357 18.2% 257 339 31.6% -127 0 +/- -65 -12 -80.7% 18,132 21,683 19.6% -3,207 -3,511 9.5% 14,926 18,172 21.7% 164 116 -29.2% 14,762 18,056 22.3% Year-to-date Quarter-to-date * Excluding one-off gain from sale of HQ building in 3Q 2024
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36KB Group results as of 31 December 2025 Balance sheet Consolidated statement of financial position (CZK million, unaudited) Assets Cash and current balances with central bank 31-Dec-24 YoY rel. YoY abs. 1,536,000 4.1% 63,579 72,956 25.6% 18,706 Loans and advances to banks 335,834 -0.5% -1,846 Loans and advances to customers (net) 853,022 6.1% 51,818 Securities and trading derivatives 235,974 -2.9% -6,875 Other assets 38,214 4.6% 1,776 Liabilities and shareholders’ equity 1,536,000 4.1% 63,579 Amounts due to banks 91,574 13.1% 12,015 Amounts due to customers 1,174,525 4.0% 46,430 Securities issued 12,629 >100% 17,537 Subordinated and senior non preferred debt 65,715 -3.8% -2,481 Other liabilities 61,520 -14.3% -8,807 Total equity 130,037 -0.9% -1,116 o/w Minority equity 3,379 -49.9% -1,686 31-Dec-25 1,599,579 91,662 333,989 904,839 229,100 39,989 1,599,579 103,590 1,220,955 30,166 63,234 52,713 128,921 1,693
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37KB Group results as of 31 December 2025 Capital & profitability indicators Financial ratios (year-to-date, IFRS 9) 31-Dec-24 31-Dec-25 Capital adequacy 18.8% 17.9% Tier 1 ratio = Core Tier 1 ratio 17.6% 17.1% Risk weighted assets for credit risk (CZK billion) 462.2 467.9 Net interest margin, annualised 1.7% 1.7% Loan (net) / deposit ratio (excl. repo with clients) 82.9% 83.1% Cost / income ratio 48.2% 46.1% Return on average equity (ROAE), annualised 13.7% 14.2% Return on average Tier 1 capital 17.3% 18.1% Return on average tangible equity (ROTE) 15.4% 16.1% Return on average assets (ROAA), annualised 1.1% 1.2% Earnings per share (CZK), annualised 91.3 95.6 Average number of employees during the period acc. to CSO 7,456 6,971 Average number of employees during the period (based on CSRD) 7,618 7,133
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38 Business performance of subsidiaries (1/2) Overview of KB subsidiaries YoY Modrá pyramida (100%) Volume of new loans (CZK million) -3% Volume of total loans (gross, CZK million) 1% Volume of deposits (CZK million) -11% Number of clients -11% Average number of FTEs* -25% KB Penzijní společnost (100%) Number of new contracts -10% Number of clients -6% Assets under management (CZK million) 5% of which in Transformed fund -5% Average number of FTEs* -14% ESSOX (50.93%) Volume of total loans (gross, CZK million) 1% Number of active clients -11% Average number of FTEs* -12% building savings & loans company manager of pension funds non-bank consumer lender and car financing company FY 2025 12,658 98,812 44,743 346,082 424 23,422 394,110 77,319 43,758 40 21,515 97,171 294 FY 2024 13,115 97,627 50,363 390,224 565 25,890 421,073 73,722 45,910 46 21,278 108,881 333 KB Group results as of 31 December 2025 * Based on CSRD
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39 Business performance of subsidiaries (2/2) Overview of KB subsidiaries YoY Factoring KB (100%) Volume of total financing (gross, CZK million) 15% Average number of FTEs* 0% KB Pojišťovna (49%) Volume of technical reserves - Savings (CZK million) 5% Gross written premium (CZK million) 15% of which in life insurance 15% of which in non-life insurance SGEF Czech Republic (100%) Volume of new financing (CZK million) 7% Volume of total financing (gross, CZK million) 6% Average number of FTEs* 2% Factoring turnover (CZK million) 1% 15% Average number of FTEs 2% factoring company universal insurance company provider of asset-backed financing in Czechia and Slovakia FY 2025 79,130 14,552 0.25 48,240 7,483 6,116 1,367 289 17,934 38,846 146 ** Influenced by outsourcing of Factoring KB functions into Komerční banka. ** FY 2024 78,170 12,700 0.25 46,081 6,494 5,305 1,188 282 16,709 36,590 144 * Based on CSRD KB Group results as of 31 December 2025
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40KB Group results as of 31 December 2025 Czech macroeconomic environment and interest rates Interest rates evolution For the period 1 Jan 2015 – 31 December 2025 Czech macroeconomic environment and interest rates
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41KB Group results as of 31 December 2025 KB - #1 listed Czech bank Appreciation of KB shares since October 2001 (acquisition of majority stake by SG) in % (excluding dividends) (1 October 2001 – 31 December 2025) KB shares and shareholder structure Shareholder structure • The number of shareholders comprised 85,981 corporate entities and private individuals as of 31 December 2025 • Of the Bank’s total share capital of CZK 19,004,926,000 divided into 190,049,260 shares with a nominal value of CZK 100 each, Société Générale S.A. held 60.35% • KB held 1,193,360 own shares in treasury, representing 0.63% stake on registered capital • The number of outstanding shares stood at 188,855,900
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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