Investor Relations

Annual Reports

Annual report 2023 – released 26. 4. 2024

Results

FY 2024 financial results of the ČSOB group

Presentation FY/4Q 2024

Presentations and press releases regarding consolidated results

Period	Date	Presentation	Press release
FY 2024	13 February 2025	Presentation FY/4Q 2024 Fact Sheet FY/4Q 2024	PR FY 2024
9M 2024	7 November 2024	Presentation 9M/3Q 2024	PR 9M/3Q 2024
1H 2024	8 August 2024	Presentation 1H/2Q 2024	PR 1H/2Q 2024
1Q 2024	16 May 2024	Presentation 1Q 2024	PR 1Q 2024
FY 2023	8 February 2024	Presentation FY/4Q 2023 Fact Sheet FY/4Q 2023	PR FY 2023
9M/3Q 2023	9 November 2023	Presentation 9M/3Q 2023	PR 9M/3Q 2023
1H/2Q 2023	10 August 2023	Presentation 1H/2Q 2023	PR 1H/2Q 2023
1Q 2023	16 May 2023	Presentation 1Q 2023	PR 1Q 2023
FY 2022	9 February 2023	Presentation FY/4Q 2022 Explanatory information FY/4Q 2022	PR FY 2022
9M 2022	9 November 2022	Presentation 9M/3Q 2022	PR 9M 2022
1H 2022	11 August 2022	Presentation 1H/1Q 2022	PR 1H 2022
1Q 2022	12 May 2022	Presentation 1Q 2022	PR 1Q 2022
FY 2021	10 February 2022	Presentation FY/4Q 2021	PR FY 2021
9M 2021	12 November 2021	Presentation 9M/3Q 2021	PR 9M 2021
1H 2021	5 August 2021	Presentation 1H/2Q 2021	PR 1H 2021
1Q 2021	11 May 2021	Presentation 1Q 2021	PR 1Q 2021
FY 2020	11 February 2021	Presentation FY/4Q 2020	PR FY 2020
9M 2020	12 November 2020	Presentation 9M/3Q 2020	PR 9M 2020
1H 2020	6 August 2020	Presentation 1H/2Q 2020	PR 1H 2020
1Q 2020	14 May 2020	Presentation 1Q 2020	PR 1Q 2020
FY 2019	13 February 2020	Presentation FY/4Q 2019	PR FY 2019
9M 2019	14 November 2019	Presentation 9M/3Q 2019	PR 9M 2019
1H 2019	8 August 2019	Presentation 1H/2Q 2019	PR 1H 2019
1Q 2019	16 May 2019	Presentation 1Q 2019	PR 1Q 2019
FY 2018	14 February 2019	Presentation FY/4Q 2018	PR FY 2018
9M 2018	15 November 2018	Presentation 9M/3Q 2018	PR 9M 2018
1H 2018	9 August 2018	Presentation 1H/2Q 2018	PR 1H 2018
1Q 2018	17 May 2018	Presentation 1Q 2018	PR 1Q 2018
FY 2017	22 February 2018	Presentation FY/4Q 2017	PR FY 2017
3Q 2017	16 November 2017	Presentation 9M/3Q 2017	PR 9M 2017
1H 2017	10 August 2017	Presentation 1H/2Q 2017	PR 1H 2017
1Q 2017	11 May 2017	Presentation 1Q 2017	PR 1Q 2017
FY 2016	9 February 2017	Presentation FY/4Q 2016	PR FY 2016
3Q 2016	17 November 2016	Presentation 9M/3Q 2016	PR 9M 2016
1H 2016	11 August 2016	Presentation 1H/2Q 2016	PR 1H 2016
1Q 2016	12 May 2016	Presentation 1Q 2016	PR 1Q 2016
FY 2015	18 February 2016	Presentation FY/4Q 2015	PR FY 2015
3Q 2015	16 November 2015	Presentation 9M/3Q 2015	PR 9M 2015
1H 2015	6 August 2015	Presentation 1H/2Q 2015	PR 1H 2015
1Q 2015	12 May 2015	Presentation 1Q 2015	PR 1Q 2015
FY 2014	12 February 2015	Presentation FY/4Q 2014	PR FY 2014
9M 2014	13 November 2014	Presentation 9M/3Q 2014	PR 9M 2014
1H 2014	7 August 2014	Presentation 1H/2Q 2014	PR 1H 2014
1Q 2014	15 May 2014	Presentation 1Q 2014	PR 1Q 2014
FY 2013	13 February 2014	Presentation FY 2013	PR FY 2013
3Q 2013	14 November 2013	Presentation 9M/3Q 2013	PR 9M 2013
1H 2013	8 August 2013	Presentation 1H/2Q 2013	PR 1H 2013
1Q 2013	16 May 2013	Presentation 1Q 2013	PR 1Q 2013
FY 2012	14 February 2013	Presentation FY 2012 for media Presentation 4Q 2012 for analysts	PR FY 2012
3Q 2012	8 November 2012	Presentation 9M 2012 for media (page 6 updated) Presentation 3Q 2012 for analysts	PR 9M 2012
1H 2012	7 August 2012	Presentation 1H 2012 for media Presentation 2Q 2012 for analysts	PR 1H 2012
1Q 2012	10 May 2012	Presentation 1Q 2012 for media Presentation 1Q 2012 for analysts	PR 1Q 2012
FY 2011	9 February 2012	Presentation FY 2011 for media Presentation 4Q 2011 for analysts	PR FY 2011
3Q 2011	10 November 2011	Presentation 9M 2011 for media Presentation 3Q 2011 for analysts	PR 9M 2011
1H 2011	9 August 2011	Presentation 1H 2011 for media Presentation 2Q 2011 for analysts	PR 1H 2011
1Q 2011	12 May 2011	Presentation 1Q 2011 for media Presentation 1Q 2011 for analysts	PR 1Q 2011
FY 2010	10 February 2011	Presentation FY 2010 for media Presentation 4Q 2010 for analysts	PR FY 2010
3Q 2010	10 November 2010	Presentation 9M 2010 for media Presentation 3Q 2011 for analysts	PR 9M 2010
1H 2010	5 August 2010	Presentation 1H 2010 for media Presentation 2Q 2010 for analysts	PR 1H 2010
1Q 2010	12 May 2010	Presentation 1Q 2010	PR 1Q 2010
FY 2009	11 February 2010	Presentation FY 2009	PR FY 2009
3Q 2009	13 November 2009	Presentation 3Q 2009	PR 3Q 2009
1H 2009	6 August 2009	Presentation 1H 2009	PR 1H 2009
1Q 2009	14 May 2009	Presentation 1Q 2009	PR 1Q 2009
FY 2008	12 February 2009	Presentation FY 2008	PR FY 2008
FY 2008 preliminary	22 January 2009	PR only	PR FY 2008 (preliminary results)
3Q 2008	6 November 2008	Presentation 3Q 2008	PR 3Q 2008
3Q 2008 preliminary	15 October 2008	PR only	PR 3Q 2008 (preliminary results)
1H 2008	8 August 2008	Presentation 1H 2008	PR 1H 2008
1Q 2008	15 May 2008	Presentation 1Q 2008	PR 1Q 2008
FY 2007	14 February 2008	Presentation FY 2007	PR FY 2007
3Q 2007	9 November 2007	Presentation 3Q 2007	PR 3Q 2007
1H 2007	10 August 2007	Presentation 1H 2007	PR 1H 2007
1Q 2007		Presentation 1Q 2007	PR 1Q 2007
FY 2006	26 February 2007	Presentation FY 2006	PR FY 2006
3Q 2006	23 November 2006	Presentation 3Q 2006	PR 3Q 2006
1H 2006	31 August 2006	Presentation 1H 2006	PR 1H 2006
1Q 2006	31 May 2006	Presentation 1Q 2006	PR 1Q 2006
FY 2005	21 March 2006	Presentation FY 2005	PR FY 2005
3Q 2005	31 October 2005	PR only	PR 3Q 2005 (non-cons.)
1H 2005	18 August 2005	Presentation 1H 2005	PR 1H 2005 (non-cons.)
1Q 2005	29 April 2005	PR only	PR 1Q 2005 (non-cons.)
FY 2004	21 March 2005	Presentation FZ 2004	PR FY 2004
1H 2004	7 September 2004	Presentation 1H 2004	presentation only

ARCHIVE: Semi-annual Reports

1H 2019 CSOB Activity Report – released 29. 8. 2019

1H 2018 CSOB Activity Report – released 29. 8. 2018

1H 2017 CSOB Activity Report – released 29. 8. 2017

1H 2016 CSOB Activity Report – released 29. 8. 2016

1H 2015 CSOB Activity Report – released 28. 8. 2015

1H 2014 CSOB Activity Report – released 29. 8. 2014

1H 2013 CSOB Activity Report – released 29. 8 .2013

1H 2012 CSOB Activity Report – released 30. 8. 2012

1H 2011 CSOB Activity Report – released 30. 8. 2011

1H 2010 CSOB Activity Report – released 31. 8. 2010

Financial Calendar

ČSOB Group Unaudited Financial Results Releases (according to EU IFRS).

Results		Date of Release
as at 30 September 2024	3Q / 9M 2024	7 November 2024
as at 31 December 2024	4Q / FY 2024	13 February 2025
as at 31 March 2025	1Q 2025	15 May 2025
as at 30 June 2025	2Q / 1H 2025	7 August 2025
as at 30 September 2025	3Q / 9M 2025	13 November 2025
as at 31 December 2025	4Q / FY 2025	12 February 2026

This schedule is indicative only; terms might be subject to change during the year.

Ratings

Ratings	Moody’s		S&P
	ČSOB	KBC Bank	ČSOB	KBC Bank
Long-term	A1	A1	A+	A+
Short-term	Prime-1	Prime-1	A-1	A-1

Rating definitions and descriptions of rating methodologies can be found on the web sites of Moody´s and S&P.

Contacts

Irena Židová

Head of Investor Relations

izidova@csob.cz

+420 224 114 106

Sandra Jelínková

Financial Analyst

sjelinkova@csob.cz

Tereza Siuda

Financial Analyst

tsiuda@csob.cz

ČSOB – Investor Relations

Address: Radlická 333/150, 150 57 Prague 5
E-mail: investor.relations@csob.cz
Web: www.csob.cz/ir

KBC - Investor Relations

Address: KBC Group Investor Relations Office, Havenlaan 2 – IRO, B-1080, BELGIUM
E-mail: IR4U@kbc.be
Web: https://www.kbc.com