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Investor Relations14 Oct 2025
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Komercní banka a s (KOMB) investor relations material
Komercní banka a s Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Net income for H1 2025 rose 38.9% year-over-year to CZK 8.8 billion, driven by provision releases, strong asset quality, and cost discipline.
Client base expanded by 47,000, reaching 1.8 million for the bank and 2.2 million for the group in Czech Republic and Slovakia.
Digital transformation advanced, with 1.3 million clients migrated to the new platform and full migration targeted by end of 2025.
Recognized as the number one sustainable bank and for ESG and digital leadership.
Strategic acquisitions included full ownership of SG Equipment Finance and divestment of Roger stake.
Financial highlights
Group net income for Q2 reached CZK 4.6 billion, up 30.6% year-over-year; H1 net income at CZK 8.8 billion, up 38.9%.
Total revenues for H1 2025 were CZK 18.2 billion, up 3.6% year-over-year; net interest income up 3% to CZK 12.8 billion.
Operating expenses declined nearly 4% year-over-year; cost-to-income ratio improved to 48%.
Loans grew 4.3% year-over-year, driven by mortgages and housing loans; deposits declined 2.6%.
Assets under management outside the bank rose 8% year-over-year, with mutual funds up 14.2%.
Outlook and guidance
Lending and deposit markets expected to grow at mid-single-digit rates in 2025.
Revenue growth now guided to low-to-mid single digits; operating expenses to decline mid-single-digit.
Full-year 2025 cost of risk expected around 0 bps, mainly due to provision releases.
ROE targeted around 14% for 2025; cost-to-income ratio near 44%.
Management intends to propose distributing 100% of attributable consolidated net profit as dividends for 2025.
Assess KB's digital transformation impact.
Explain the drivers behind the cost of risk.
How will the windfall tax impact KB in 2025?
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Next Komercní banka a s earnings date
Q3 202530 Oct, 2025
Next Komercní banka a s earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
Komerční banka a.s. is a Czech financial institution providing a range of banking and financial services to individuals, businesses, and corporate clients. The company offers retail and corporate banking products, including loans, deposits, payment services, and investment solutions. It also provides asset management, insurance, leasing, and advisory services through its subsidiaries. The company is headquartered in Prague, Czech Republic, and its shares are listed on the PSE.
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