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Komercni Banka A.S.

Investor Presentation • Sep 30, 2013

1043_ip_2013-09-30_3c99beb7-3e2f-4792-aa8a-e698aada20f3.pdf

Investor Presentation

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Financial results as of 30 September 2013Komerční banka Group

According to International Financial Reporting Standards, consolidated, unaudited

Prague, 7 November 2013

Disclaimer

This document contains a number of forward-looking statements relating to the targets and strategies of the 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.looking Komerční

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 30 September 2013, unless stated otherwise.

Komerční banka, a.s., public limited company with registered office: Prague 1, Na Pregistered in the Commercial Register maintained by the Municipal Court in Prague, Section B, file 1360říkopě 33/ 969; identification number: 45 31 70 54;

Agenda


i
B
l
t
s
n
e
s
s
r
e
s
s
u
u		 4

F
i
i
l
l
t
n
a
n
c
a
r
e
s
u
s		 1
0

Q
C
L
P
f
l
i
l
i
d
f
R
i
k
t
t
t
o
a
n
o
r
o
o
a
a
n
o
s
o
s
u
y		 1
9

A
d
i
p
p
e
n
x		 2
3

Czech economy

  • The economy exited recession in 2Q 2013 (+0.6% QoQ) and the recovery should continue contributed by industry, construction and good harvest in agriculture
  • Banking market has not observed yet notable acceleration in the volume growth of lending
  • Future performance will continue to depend on the developments in major trading partner countries, as business investments are subject to sufficient foreign demand
  • Unemployment rate stabilising (7.6% in Sept), positively influenced by stagnation in real unit labour costs
  • Inflation declining potentially below zero at the beginning of the next year mainly due to energy prices will improve household incomes in real terms. On the other hand, probability of FX interventions by CNB thus remains high

Sources of data: Czech Statistical Office, CNB, KB

Real GDP outlook (YoY, %)

Source: CSO, 2013-2014* KB Economic & Strategy Research forecasts

Foreign trade balance to GDP

Source: CSO, CNB

Key results as of 30September 2013

  • Gross volume of loans to clients expanded by 2.9% to CZK 475.7 billion
  • Client deposits rose by 4.8% to CZK 592.0 billion (excluding repo operations with clients)
  • Net loans-to-deposits ratio at 79.6% (excluding client assets in transformed pension fund)
  • Basel II Core Tier 1 ratio at 16.7% solid in light of the new CNB capital requirements
  • Revenues decreased by 5.8% to CZK 23,282 million. Excluding one revenues declined by 3.8% mainly due to low market interest rates which limit returns from reinvested liquidity and lower prices for certain banking servicesdeposits one-off impacts, underlying
  • Operating expenditures reduced by 1.7% to CZK 9,675 million. Cost Cost-to-income ratio at 41.6%
  • Cost of risk flat (-0.1%) at CZK 1,344 million
  • Attributable net profit decreased by 12.5% to CZK 9,558 million. Net profit excluding one was down 7.7%one-off items

Note: year over year comparisons, results for the three quarters of 2013

Business highlights

  • Mortgage portfolio growth reached 8.4% year on year while unsecured consumer lending increased notably in the third quarter at both KB and ESSOX
  • Growth in asset volumes in mutual funds, in life insurance reserves, and pension assets continued, underpinned by KB's strategic aim to offer clients appropriate longeven in the present environment of low interest rateslong-term solutions for their savings
  • KB Group unveiled several initiatives and innovations in the third quarter
  • The EKO Loan is a facility designed for the financing of projects in residential housing. The product facilitates clients' access to subsidies newly available under the Czech government's NewGreen for Savings programmefocused on energy savings and renewable energy sources
  • Through its EuroMuni programme, KB offers financing at reduced rates for municipalities' development projects. This is made possible by KB's co-operation with the Council of Europe Development Bank
  • Komerční pojišťovna introduced a new risk life insurance policy, including loss of income, injuries, death, and even provision of medical assistance servicesoperation MojeJistota, with the broadest risk coverage on the market,
  • KB and the Chamber of Trade and Industry for Confederation of Independent States signed a co operation agreement for 2014. The aim is to promote Czech companies' trade with CIS countries, and it will facilitate KB clients' utilisation of the CIS Chamber's extensive experience and contactsco-
  • The Group made a good showing in a contest organised by the daily newspaper noviny. Komerční pojišťovna ranked first in the category The Most Client Friendly Life Insurance Company of 2013 and second in that for The Best Life Insurance Company of 2013. banka placed second in the category The Best Bank of 2013 HospodářskéKomerční

Lending to clients

  • Gross loans rose 2.9% YoY, +0.1% QoQ. Most dynamic were mortgages and export credits
  • Business loans up 2.5% YoY, of which:
  • Small businesses (KB) -0.8% to CZK 28.5 bil.
  • Corporations (KB) +2.4% to CZK 203.3 billion
  • Factoring KB +41.7% to CZK 4.0 billion
  • SGEF +2.1% to CZK 20.3 billion
  • Mortgages to individuals up 8.4% YoY to CZK 141.5 billion
  • Loans from Modrá pyramida down 9.4% YoY to CZK 45.2 billion, influenced by clients' preference for mortgages
  • Consumer loans provided by KB and ESSOX up by 2.2% YoY to CZK 28.0 billion
  • Irrevocable off-balance sheet commitments at CZK 126.8 billion

Sales volume of mortgages to individuals

Deposits and assets under management

  • Group deposits up 4.8% YoY to CZK 592.0 billion, +0.2% QoQ (excluding repos with clients). Total amounts due from clients +7.2% YoY
  • Volumes on current accounts rose by 10.9% to CZK 349.7 billion
  • Deposits from business clients increased by 8.6% YoY to CZK 324.2 billion
  • KB (bank) deposits from individuals decreased by 2.0% YoY to CZK 157.3 billion
  • Clients' pension assets in Transformed Fund grew by 10.0% YoYto CZK 34.9 billion
  • MPSS deposits up 0.6% YoY to CZK 71.3 bil.
  • KP life insurance technical reserves up 19.5% YoY to CZK 33.0 billion

  • AUM in mutual funds (sold through KB) increased by 13.8% YoY to CZK 30.5 billion

  • Current Accounts

  • Other payables to customers and Repo operations

Agenda


B
i
l
t
u
s
n
e
s
s
r
e
s
u
s		 4

i
i
F
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0

Q
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9

A
d
i
p
p
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x		 2
3

Consolidated financial results

P
f
i
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L
S
t
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a
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s
a
e
m
e
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9
2
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1
2		 M
9
2
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2		 M
9
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1
3		 C
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Y
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Y
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N
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I
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O
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P
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G
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D
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O
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7
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G
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C
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N
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7
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7.		 8
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7.
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P
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I
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%
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M
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N
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1
2.
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-		 7.
7
%
-

Note: "Recurring" results have been adjusted for the following one-KB (impact on net profit CZK 39 mil.), amortisation of client acquisition commissions in PF KB (CZK participation in ČMZRB (CZK 830 mil.), sale of Greek and Portuguese government bonds ( CZK -off items: 9M 2013 - none, 9M 2012 – sale of bonds in PF 37 mil.), sale of -343 mil.)

Consolidated statement of financial position

B
l
S
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t
a
a
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c
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e
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C
(
Z
K
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t
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3
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Y
Y
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Y
D
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A
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7
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1
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5		 4.
2
%		 2.
2
%
C
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(
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L
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8		 8.
4
%
-		 8.
9
%
-
O
h
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s		 4
3,
8
5
3		 4
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3.
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%
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L
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A
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a.		 n.
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-		 6.
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7
-

Financial ratios

K
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Y
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T
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1
t
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T
l
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t
t
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c
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q
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m
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6		 2
9.
3		 2
8.
4		 4.
1
%
-
C
f
(
C
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d
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k
Z
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b
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q
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n
o
r
c
r
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r
s
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n		 2
5.
0		 2
4.
7		 2
3.
9		 4.
4
%
-
N
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i
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N
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I
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A
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b
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),
l
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t
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a
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a
s
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e
s
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n
n
a
s
e
v.
u		 3.
2
%		 3.
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%		 2.
9
%
(
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/
L
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i
i
t
t
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a
n
s
n
e
e
p
o
s
s
r
a
o		 8.
4
%
7		 8.
0
%
7		 1
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7
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8		 8,
6
1
8		 1.
8
%
-

* Adjusted ROAE is computed as net profit attributable to equity holders divided by equity, cash flow hedging and revaluation of AFS securities)(average Group shareholders' equity w/o minority

Shareholders' equity

Total shareholders' equityas of 31 December 2012

Total shareholders' equityas of 30 September 2013

S
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8
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4
6
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,		 8
2
7
5,
7

* Average Group shareholders' equity w/o minority equity, cash flow hedging and revaluation of AFS securities

Net interest income

  • NII in 9M 2013 down by 3.9% YoY. 3Q down by 0.6% QoQ
  • NII from loans – up thanks to growth of volumes. Average spread influenced by increased share of relatively lower-spread loans (mortgages, corporate loans) on the total portfolio
  • NII from deposits – volumes increased but spreads on deposits continued decline due to low yield from reinvestment of deposits. Pricing of deposits gradually adjusted to reflect market interest rates
  • NII from other – lower yield on reinvestment of capital due to low interest rates. Affected by payment of dividends at the end of May (CZK 8.7 billion) and divestments of government bonds from Southern Europe in 2012 and 2013

CZK million

Net fees and commissions

  • NFC in 9M 2013 up by 1.6% YoY due to low base reflecting 2012 pension fund client acquisition costs. NFC in 3Q down by 0.6% QoQ
  • Deposit product fees marketing initiatives to deepen client loyalty and attract new clients by extension of the reward programme MojeOdměny. Year 2012 base impacted by client acquisition costs in the pension fund
  • Loan fees – lower fees from loan origination and administration offset by higher income from fees for early repayment in MPSS
  • Fees from cross-selling – better income from life insurance and mutual funds driven by growth in the volume of client savings. Sales seasonally slow in 3Q
  • Transaction fees – declining average prices and continued clients' switch to cheaper payment means while the number of transactions rose slightly YoY
  • Other fees – solid fees for loan syndications

Net profit from financial operations

  • Net profit from financial operations in 9M 2013 down by 30.8% YoY affected by exceptional items booked in 2012
  • 3Q 2013 down 9.3% QoQ due to gain from sale of Italian GBs in 2Q, underlying trend stable
  • Improved client demand for exchange-rate hedging solutions reflected higher CZK volatility. Demand for IR hedging subdued in a low-yield environment with a limited volume of long-term financing transactions on the market
  • Result of treasury operations improved YoY on capturing developments on the CZK yield curve
  • Net gains from FX payments reflect lower average spreads

CZK million

Operating costs

  • OPEX in 9M 2013 down by 1.7% YoY. 3Q down by 0.8% QoQ
  • Personnel costs in 9M 2013 decreased by 0.6% YoY. Average number of employees down 1.8%
  • GAE dropped by 4.0% YoY
  • The main savings were achieved in mailing costs (relating to the switch to electronic account statements), marketing and telecommunications. Real estate expenses favourably influenced by the moving of certain functions into the new building
  • Higher expenditures related to rolling out of contactless payment cards and related infrastructure
  • Depreciation & Amortisation in 9M 2013 flat (+0.2% YoY) on higher amortisation of software applications offset by lower depreciation of buildings and IT hardware

Agenda


B
i
l
t
u
s
n
e
s
s
r
e
s
u
s		 4

F
i
i
l
l
t
n
a
n
c
a
r
e
s
u
s		 1
0

C
L
P
f
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Q
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t
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a
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u
a
y
a
n
o
s
o
s		 1
9

A
d
i
p
p
e
n
x		 2
3

Loan quality

  • Loan exposure +2.9% YoY, +0.1% QoQ
  • Share of Standard and Watch loan exposure stable at 94.2% (94.3% in 2Q 2013)
  • Share of LUSR exposure at 5.8% (5.7% in 2Q 2013)
  • Share of NPL exposure at 3.9% (3.9% in 2Q 2013). QoQ NPL exposure stable at CZK 18.7 billion (CZK 18.6 billion in 2Q 2013)
  • Provision coverage ratio for both LUSR and NPL portfolio flat QoQ at 64% resp. 75%

CZK million

Specific provisions

Cost of risk

  • 9M 2013 cost of risk stable YoY, 3Q 2013 cost of risk significantly lower by -23.1% QoQ
  • YoY total cost of risk flat in 3Q 2013. QoQ decrease in total cost of risk driven by both Retail and Corporate segments
  • 3Q 2013 contribution to cost of risk by KB group entities: KB 79%, SGEF 8%, ESSOX 8%, Modrá pyramida 4%, Factoring KB 1%

Commercial cost of risk zoom on client segments

  • 3Q 2013 QoQ decrease in cost of risk on Corporates influenced by prudential provisioning of Watch portfolio during 2Q 2013
  • 9M Corporate cost of risk up to 34 bps from 8 bps in 9M 2012 driven mainly by one-off releases in 2Q 2012 and prudential provisioning of Watch portfolio in 2Q 2013
  • 3Q 2013 QoQ decrease in Retail cost of risk thanks to lower cost of risk on Small business loans
  • 9M 2013 retail cost of risk down to 44 bps from 72 bps in 9M 2012 driven by Individuals (mainly by mortgages)

KB Group – Retail Segments

KB Group – Corporate Segments

Agenda


i
A
d
p
p
e
n
x		 2
3

L
P
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Q
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9

F
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u		 1
0

B
i
l
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s
s
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u		 4

Number of clients and distribution network

  • KB Group's 2.5 million clients, of which
  • KB bank 1,580,000 clients (-2%)
  • MPSS 575,000 clients (-7%)
  • KBPS 563,000 clients (+8%)
  • ESSOX 274,000 active clients (+1%)
  • Network
  • 398 branches for retail clients, 10 corporate divisions and 4 divisions for large corporate clients in CZ, 1 in Slovakia
  • 715 ATMs
  • MPSS: 205 points of sale; 984 sales agents (of which 568 full-time professionals)
  • SGEF: 7 branches in CZ, 2 in Slovakia
  • Direct Channels
  • 1,141,000 clients (i.e. 72% of KB client base) using direct banking channels
  • Two call centres, internet and mobile banking

Number of bank clients (ths., CZ)

Consolidated financial results

f
S
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7
%
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D
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1
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-
O
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s		 3,
3
2
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6
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8
%
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8
%
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G
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4
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0
8		 0.
8
%		 2.
0
%
-
C
f
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8
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1
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N
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5
%		 0.
5
%
f
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%
5
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1
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6
4.
5
%		 1
0.
3
%
-
P
f
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0
3
8		 1.
6
%
-		 0.
4
%
I
t
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a
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1
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5
3		 -7
1
0		 1.
3
%
-		 -5
7
%
f
N
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r
o		 3,
3
8
7		 3,
2
6
9		 3,
3
2
8		 1.
7
%
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8
%
M
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(
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t
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p
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s
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1.
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3.
8
%
-
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s
u
u
y		 5
3,
3
1		 3,
1
6
4		 3,
2
4
8		 2.
0
%
-		 2.
7
%

KB consolidated group

P
i
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n
s
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n
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n
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e		 K
B
P
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s
(
)
1
0
0
%		 f
f
(
f
)
f
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6
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0
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(
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1
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y.
n
o
n-
a
n
c
o
n
s
u
m
e
r
o
a
n
p
r
o
v
e
r
C
i
h
h
R
b
l
i
t
n
e
z
e
c
e
p
u
c
I
n
s
r
a
n
c
e
u		 K
č
í
o
m
e
r
n
š
(
)
j
i
ť
4
9
%
p
o
o
n
a
v		 f
f
U
i
l
i
d
l
i
i
n
e
r
s
a
n
s
r
a
n
c
e
c
o
m
p
a
n
o
c
s
e
o
n
e
n
s
r
a
n
c
e
v
u
y
u
u
C
t
o
r
p
o
r
a
e
i
s
e
r
c
e
s
v		 K
B,
b
h
i
r
a
n
c
n
S
l
k
i
o
a
a
v		 T
h
S
l
k
b
i
d
i
i
i
f
i
l
l
i
t
t
e
o
a
s
n
e
s
s
s
o
n
o
c
s
e
s
o
n
s
e
r
n
g
a
r
g
e
c
o
r
p
o
r
a
e
c
e
n
s
v
u
v
u
v
F
i
K
B
t
a
c
o
r
n
g
(
)
1
0
0
%		 h
C
h
f
i
k
f
f
i
d
i
f
i
d
f
i
#
3
t
t
t,
t
t
o
n
e
z
e
c
a
c
o
r
n
g
m
a
r
e
o
e
r
n
g
o
m
e
s
c,
o
r
e
g
n
a
n
r
e
v
e
r
s
e
a
c
o
r
n
g
S
G
E
F
C
h
z
e
c
R
b
l
i
(
)
5
0.
1
%
e
p
u
c		 L
d
i
i
d
f
b
k
d
f
i
i
i
h
C
h
R
b
l
i
d
l
i
t-
t
t
e
a
n
g
p
r
o
v
e
r
o
a
s
s
e
a
c
e
n
a
n
c
n
g
n
e
z
e
c
e
p
u
c
a
n
a
s
o
a
c
v
e
i
S
l
k
i
n
o
v
a
a

Business performance of subsidiaries1/2

9
M
2
0
1
2		 9
M
2
0
1
3		 C
h
a
n
g
e
Y
Y
o
S
S
M
P		 V
l
f
l
(
C
Z
K
i
l
l
i
)
o
u
m
e
o
n
e
w
o
a
n
s
m
o
n		 3
2
4
4
,		 2
4
2
2
,		 2
5
%
-
V
l
f
l
l
(
C
Z
K
i
l
l
i
)
t
t
o
u
m
e
o
o
a
o
a
n
s
g
r
o
s
s
m
o
n
,		 4
9
8
4
8
,		 4
5
1
8
0
,		 9
%
-
T
l
f
(
C
Z
K
i
l
l
i
)
t
t
t
a
r
g
e
o
m
e
o
n
e
c
o
n
r
a
c
s
m
o
n
v
u
w		 1
6
5
6
3
,		 1
9
7
7
9
,		 1
9
%
V
l
f
d
i
(
C
Z
K
i
l
l
i
)
t
o
m
e
o
e
p
o
s
s
m
o
n
u		 7
3
8
3
6
,		 7
2
0
9
2
,		 2
%
-
f
A
b
F
T
E
e
r
a
g
e
n
m
e
r
o
s
v
u		 3
6
0		 3
4
1		 5
%
-
f
f
N
b
i
l
t
m
e
r
o
p
o
n
s
o
s
a
e
u		 2
2
5		 2
0
5		 9
%
-
S
K
B
P		 N
b
f
t
t
m
e
r
o
n
e
c
o
n
r
a
c
s
u
w		 6
5
2
5
6
,		 2
6
3
7
7
,		 *
n.
m
f
N
b
l
i
t
m
e
r
o
c
e
n
s
u		 2
0
8
1
5
5
,		 6
3
0
2
2
5
,		 8
%
(
C
)
A
d
Z
K
i
l
l
i
t
t
s
s
e
s
n
e
r
m
a
n
a
g
e
m
e
n
m
o
n
u		 3
1,
2
7
7		 3
3
9
5
7
,		 1
2
%
f
f
f
h
i
h
i
d
d
t
o
c
n
r
a
n
s
o
r
m
e
n
w
u		 n.
a		 3
2
6
5
5
,		 *
n.
m
A
b
f
F
T
E
v
e
r
a
g
e
n
u
m
e
r
o
s		 5
5		 5
4		 2
%
-
E
S
S
O
X		 f
(
C
)
V
l
Z
K
i
l
l
i
t
t
o
m
e
o
n
e
c
o
n
r
a
c
s
m
o
n
u
w		 2
0
1
2
,		 2
6
4
7
,		 3
%
7
C
V
l
f
l
l
(
Z
K
i
l
l
i
)
t
t
o
u
m
e
o
o
a
o
a
n
s
g
r
o
s
s
m
o
n
,		 9
4
4
5
,		 9
6
2
8
,		 2
%
A
b
f
F
T
E
v
e
r
a
g
e
n
u
m
e
r
o
s		 3
4
4		 3
4
5		 0
%

* As part of the pension reform, entry into the old pension funds was possible until November 2012. Since January 2013, the clients may join the new funds of Individual savings (2nd pillar) and/or Supplemental pension savings (3rd pillar)

Business performance of subsidiaries2/2

9
M
2
0
1
2		 9
M
2
0
1
3		 C
h
a
n
g
e
Y
Y
o
F
i
t
a
c
o
r
n
g		 F
i
(
C
Z
K
i
l
l
i
)
t
t
a
c
o
r
n
g
u
r
n
o
v
e
r
m
o
n		 1
3
8
7
7
,		 1
8
7
4
9
,		 3
5
%
K
B		 V
l
f
l
f
i
i
(
C
Z
K
i
l
l
i
)
t
t
o
u
m
e
o
o
a
n
a
n
c
n
g
g
r
o
s
s
m
o
n
,		 2
8
1
2
,		 3
9
8
4
,		 4
2
%
f
A
b
F
T
E
e
r
a
g
e
n
m
e
r
o
s
v
u		 4
0		 4
3		 8
%
K
P		 (
)
N
l
l
d
d
l
i
i
b
e
c
o
n
c
e
p
o
c
e
s
n
m
e
r
w
y
u
u		 6
4
4
1
1
2
,		 9
1,
0
3
9
5		 8
%
-
f
f
h
i
h
i
l
i
i
o
c
n
e
n
s
r
a
n
c
e
w
u		 8
9
4
4
4
,		 8
1,
6
2
7		 9
%
-
f
f
h
i
h
i
l
i
i
o
c
n
n
o
n-
e
n
s
r
a
n
c
e
w
u		 4
6
6
8
5
5
,		 0
9
3
6
5
7
,		 8
%
-
P
i
i
(
C
Z
K
i
l
l
i
)
t
t
r
e
m
u
m
w
r
e
n
m
o
n		 4
8
3
8
,		 6
3
7
3
,		 3
2
%
f
h
i
h
i
l
i
f
i
o
w
c
n
e
n
s
u
r
a
n
c
e		 4
5
8
8
,		 6
1
0
8
,		 3
3
%
f
h
i
h
i
l
i
f
i
o
w
c
n
n
o
n-
e
n
s
u
r
a
n
c
e		 2
5
0		 2
6
5		 6
%
f
A
b
F
T
E
e
r
a
g
e
n
m
e
r
o
s
v
u		 1
4
5		 1
5
5		 0
%
S
G
E
F		 V
l
f
l
(
C
Z
K
i
l
l
i
)
o
u
m
e
o
n
e
w
o
a
n
s
m
o
n		 7
1
8
8
,		 5
6
0
5
,		 2
2
%
-
(
C
)
V
l
f
l
l
Z
K
i
l
l
i
t
t
o
m
e
o
o
a
o
a
n
s
g
r
o
s
s
m
o
n
u
,		 1
9
8
9
1
,		 2
0
3
1
4
,		 2
%
f
A
b
F
T
E
e
r
a
g
e
n
m
e
r
o
s
v
u		 1
1
8		 1
1
8		 0
%

Standalone results of KB group companies and associated undertakings

C
Z
K
i
l
l
i
m
o
n		 A
t.
c
c
o
n
u
d
d
t
s
a
n
a
r
s		 S
h
f
a
r
e
o
K
B		 N
t
e
P
f
i
t
r
o		 Y
Y
o		 E
i
t
q
u
y		 Y
Y
o		 A
t
s
s
e
s		 Y
Y
o
K
B		 I
F
R
S		 1
0
0
%		 1
0,
7
0
0		 1
0.
7
%		 8
1,
8
2
9		 1.
3
%
-		 7
1
4,
8
8
8		 5.
5
%
/
S
K
B
b
h
i
l
k
i
o
w
r
a
n
c
n
o
v
a
a
-		 S
I
F
R		 1
0
0
%		 2
9		 3.
1
%
7
-		 1
8		 n.
a.		 1
9,
9
9
3		 2
2.
4
%
E
S
S
O
X
s.
r.
o.
,		 I
F
R
S		 5
0.
9
3
%		 3
9
9		 2
6.
3
%		 3,
1
9
0		 4.
2
%		 9,
9
9
8		 4.
1
%
F
i
K
B
t
a
c
o
r
n
g
a.
s.
,		 C
A
S		 1
0
0
%		 5
5		 1
7
5.
0
%		 1,
6
1
5		 2.
5
%		 5,
2
3
1		 2
7.
0
%
K
B
P
i
j
í
l
č
t,
e
n
z
n
s
p
o
e
n
o
s
a.
s.		 C
S
A		 1
0
0
%		 7
-		 n.
a.		 6
7
7		 n.
a.		 9
9
2		 n.
a.
B
i
E
I
S
A
t
t
t
a
s
o
n
u
r
o
p
e
a
n
n
v
e
s
m
e
n
s		 I
F
R
S		 1
0
0
%		 6
4		 7.
2
%
-		 3,
1
3
7		 1.
0
%		 6,
2
8
0		 1.
2
%
K
č
í
j
i
š
ť
o
m
e
r
n
p
o
o
n
a,
a.
s.
v		 I
F
R
S		 4
9
%		 1
9
9		 8.
2
%		 1,
9
8
4		 6.
2
%		 3
8,
7
4
9		 2
0.
8
%
á
S
S
M
d
i
d
o
r
p
y
r
a
m
a
a.
s.
,		 S
I
F
R		 1
0
0
%		 8
4
9		 3.
1
%
-		 6
9
7,
5		 2.
6
%
-		 8
0,
4
9
5		 2.
%
7
-
Č
S
G
E
i
F
i
R
t
q
u
p
m
e
n
n
a
n
c
e
s.
r.
o.		 I
F
R
S		 5
0.
1
%		 2
0
7		 1
6.
9
%		 2,
2
6
9		 6.
4
%		 2
4,
0
4
7		 9.
0
%
K
B
R
l
E
t
t
e
a
s
a
e,
s.
r.
o.		 S
I
F
R		 1
0
0
%		 1
-		 n.
a.		 4
9
4		 n.
a.		 1,
0
9
6		 n.
a.
P
t
r
o
o
s		 S
I
F
R		 9
0
%		 1
9
3		 1
1.
9
%
-		 1
3,
1
6
7		 0.
%
7
-		 1
3,
1
7
7		 0.
6
%
-
C
h
B
k
i
C
d
i
B
t
e
c
a
n
n
g
r
e
r
e
a
z
u
u		 C
A
S		 2
0
%		 1
6		 3
3.
3
%		 1
8		 3
8.
5
%		 4
5		 1
5.
4
%

Note: Fully consolidated companies are: Essox, Factoring, KB PS, Bastion, Modra pyramida, SGEF CR, KB Real Estate and Protos. CBCB is not consolidated. In August 2013, NP 33, s.r.o. and VN 42, s.r.o. were established by KB as its 100% subsidiary. The objects of the companies are facility management and real estate activities.

Securities portfolio in the banking book

CZK billion

29

Foreign sovereign exposure

Measurement at [1] fair value; [2] amortized cost

Macroeconomic environment – Czech Republic

M
i
I
d
i
t
a
c
r
o
e
c
o
n
o
m
c
n
c
a
o
r
s		 2
0
0
9		 2
0
1
0		 2
0
1
1		 2
0
1
2		 *
2
0
1
3		 *
2
0
1
4
R
l
G
D
P
(
)
%
e
a
a
e
r
a
g
e
v
,		 4
3
-		 2
3		 1
8		 0
9
-		 0
9
-		 1
8
(
)
I
f
l
i
%
t
n
a
o
n
a
e
r
a
g
e
v
,		 1
0		 1
5		 1
9		 3
3		 1
4		 0
1
(
)
H
h
l
d
i
%
t
o
s
e
o
c
o
n
s
m
p
o
n
a
e
r
a
g
e
u
u
v
,		 0
3		 0
9		 0
5		 2
1
-		 0
1		 1
6
(
S
)
U
l
%
M
L
A
h.
t
t
n
e
m
p
o
y
m
e
n
a
v.
m
e
,
,		 6
4		 0
7		 6
6		 6
8		 8
7		 9
7
(
)
M
2
%
a
v
e
r
a
g
e
,		 6
2		 4
0		 3
4		 6
0		 4
6		 4
7
M
P
R
I
B
O
R
(
)
3
%
a
v
e
r
a
g
e
,		 2
2		 1
3		 1
2		 1
0		 0
5		 0
5
P
i
l
f
h
k
**
t
t
t
t
o
e
n
a
o
e
m
a
r
e		 2
0
0
9		 2
0
1
0		 2
0
1
1		 2
0
1
2		 2
0
1
3
*		 2
0
1
4
*
/
G
(
)
L
D
P
d
o
a
n
s
e
a
r-
e
n
y		 5
5
9		 5
7
4		 6
0
3		 6
1
4		 6
4
3		 6
5
8
/
G
(
)
R
l
l
D
P
d
t
t
e
a
e
s
a
e
o
a
n
s
e
a
r-
e
n
y		 1
8
2		 1
9
2		 2
0
2		 2
1
1		 2
2
0		 2
2
6
/
G
(
)
D
i
D
P
d
t
e
p
o
s
s
y
e
a
r-
e
n		 1
7
7		 3
6
7		 6
3
7		 8
1
3		 8
3
8		 8
3
2
H
h
l
d
l
/
G
D
P
(
d
)
o
u
s
e
o
o
a
n
s
y
e
a
r-
e
n		 2
4
3		 2
5
8		 2
6
8		 2
7
6		 2
8
6		 2
9
3

* KB estimate

** Banking sector

Interest rates evolution

(for the period 1 January 2005 31 October 2013)

Development of KB's share price and PX Index

(for the period 1 October 2001 31 October 2013)

KB shareholders

As of 30 September 2013

Shares on registered capital according to excerpt from the Securities centre

As of 30 September 2013, KB held 238,672 own shares in treasury, representing 0.63% stake on registered capital.

Investor Relations

Jakub Černý, Georgina OlegrováTel.: +420 955 532 156, 955 532 734E-mail: [email protected] Olegrová, Robert Janeček734, 955 532 155mail: - Internet: www.kb.cz

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