PRAGUE, 12 MAY 2023

Komerční banka Group

Consolidated unaudited results as of 31 March 2023

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 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 March 2023, 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

KB Group results as of 31 March 2023

12 May 2023

2

Highlights as of 31 March 2023

Macroeconomic environment

Business performance

Financial performance

Asset quality & cost of risk

Outlook for 2023

Appendix

Shareholders' decisions
Dividend
CZK 60.42 per share
Record date 2 May 2023 Payment date 22 May '23
Supervisory Board:
Newly elected members Petra Wendelová Marie Doucet

HIGHLIGHTS OF FIRST QUARTER 2023

Solid results amid slow economy; entering KB's new era of banking

Group net income

First quarter 2023

CZK 3.6 billion

+1.4% year on year CZK 18.94 per share

ROE

11.6% (+0.4 pp YoY)

13.8% (+0.2 pp YoY) IFRIC linearised

Cost/Income ratio

55.9%

46.1% IFRIC linearised

Solid business performance

Client loans

+5.1% YoY

growth recorded in retail as well as corporate segments

Deposits

Other AUM

-3.5%YoY

+9.8% YoY

amid stiff competition and shift to wealth management solutions

Loan to deposit ratio

80.5%

Strong balance sheet

Liquidity coverage ratio

162%

Total capital ratio

19.8%

Core Tier I ratio

19.2%

Cost of risk

Net release -21bps

KB Group results as of 31 March 2023

12 May 2023

4

Delivering on KB2025 strategic initiatives

HIGHLIGHTS OF FIRST QUARTER 2023

Introduction of New Era of Banking written by KB to the

market

Beginning of migration of clients to the new banking infrastructure

#2022 VISA Awards

KB #1 Sustainable bank

Rooftop photovoltaics at HQ Sustainable e-shop project

Deposit clients referral agreement

KB signed referral agreement with BNP Paribas Personal Finance SA on re- contracting of selected Czech deposit customers of Hello bank!

KB Group results as of 31 March 2023

12 May 2023

5

Attachments

  • Original Link
  • Original Document
  • Permalink

Disclaimer

Komercní banka a.s. published this content on 12 May 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 12 May 2023 05:12:14 UTC.