Tatra banka a.s. · BSSE:1TAT01DE
Tatra banka a.s — Debt Investor Presentation (March 2026)
50 slides from Tatra banka a.s's debt investor presentation, March 2026
Slide 1: Tatra banka Investor Presentation
Tatra banka Member of RBI Group Investor Presentation March 2026
Slide 2: Disclaimer
Disclaimer IMPORTANT : You must read the following before continuing. The following applies to this document, the oral presentation of the informationin this document by Tatra banka, a.s. (the “Issuer”) or any person on behalf of the Issuer, and any question-and-answer session that follows the prese
Slide 3: Key Facts
Key Facts Slovakia • Highly competitive , service-oriented economy with • Slovak economy with 2.1% positive real GDP growth strong industrial sector in 2024, projections indicating a decrease to 0.8 % in • Rating A3 (stable) by Moody’s, A+ (negative) by S&P 2025 and A - (stable) by Fitch • Average I
Slide 4: Contents
Slovak Republic – Macroeconomic Overview Tatra banka Group Contents Tatra banka Financials Covered Notes &Cover Pool Sustainability Strategy Annex. Financial Statements 4
Slide 5: Slovak Republic – Macroeconomic Overview
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Slovak Republic – Macroeconomic Overview 5
Slide 6: Slovak economy structure
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Slovak economy structure GDP per segment in 2024 Employment structure Industry is the key segment of the Slovak economy Relative large % of population (22.6%) is
Slide 7: Fiscal Consolidation Overview
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Fiscal Consolidation Overview GOVERNMENT DEBT TO GDP RATIO, % Debt- to- GDP ratio should stabilize at levels below 64% • The government has approved a fiscal con
Slide 8: Economy to recover in 2026/2027 after impact of consolidation packages
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Economy to recover in 2026/2027 after impact of consolidation packages GDP Development, % yoy CPI inflation with main contributors, % yoy Nominal GDP more import
Slide 9: The labor market remains stable
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool The labor market remains stable Unemployment rate, % Nominal and Real Wage Growth, % yoy 12,0 12,0 9,7 10,0 Nominal Real 11,5 7,8 10,0 7,7 8,0 6,9 6,5 6,2 6,0 9,
Slide 10: Higher rates were normalizing the real estate market
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Higher rates were normalizing the real estate market, both in prices and transactions Real Estate Prices , % qoq Housing Affordability Index 12,0 180 Slovakia Lo
Slide 11: Tatra banka 3rd in Assets and Net Profit
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Tatra banka 3rd in Assets and Net Profit (on individual basis) Assets, EUR mn Net Profit, EUR mn 06/2025 06/2024 06.2025 06/2024 26 997 26 131 24 883 24 731 153
Slide 12: Tatra banka keeps the position of profitability leader in Slovak market
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Tatra banka keeps the position of profitability leader in Slovak market(on individual basis) Return on Equity (annualized), % Cost -to-Income Ratio, % 06/2025 06
Slide 13: NPLs remain relatively low. Loan growth is accelerating
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool NPLs remain relatively low. Loan growth is accelerating (on individual basis) Non -Performing Loans, % Mortgage Loans Development, yoy EUR mn and yoy % 06/2025 0
Slide 14: Tatra banka Group
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Tatra banka Group 14
Slide 15: Leading Banking Group in CEE
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Leading Banking 1 322 branches Group in CEE Leading regional player with CEE presence of over 30 years Covering Austria and 11 CEE markets , of 42 425 which five
Slide 16: RBI Group Key Financial Indicators
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Profit and loss account (in EUR mn) Profit after tax 1 371 1 157 RBI Group Key 1-12/2025 1-12/2024 Financial Balance sheet (in EUR mn) Indicators Loans to client
Slide 17: Tatra banka
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Bank established as greenfield First private bank in Slovakia company in 1990 Tatra banka The most awarded bank and one of the largest banks Part of the leading
Slide 18: Tatra banka Group at a glance – December 2025
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Tatra banka Group at a glance – December 2025 Strong brand Resilient operations and Balance sheet metrics recognition in the profitability remain stable region B
Slide 19: Our Mission, Values, Vision and Focus
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Our Mission Our Values We transform continuous innovation into superior We are creative, ambitious, courageous and we customer experience behave like partners Ou
Slide 20: Tatra banka – Innovation Leader
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Tatra banka – Innovation Leader Leading innovations over the past 17 years
Slide 21: Tatra banka Financials
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Tatra banka Financials 21
Slide 22: TBG Key Performance Indicators
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Profit and loss account (in EUR mn) Profit after tax 266 242 TBG Key 1-12/2025 1-12/2024 Performance Balance sheet Indicators Loans to clients (in EUR mn) Deposi
Slide 23: Continuous double digit RoE and strong Profit after tax
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Net Fee Income Net Interest Income & Net Interest Income Net Fee Income 184 (in EUR mn) 187 167 155 158 540 480 404 300 322 Continuous double 2021 2022 2023 2024
Slide 24: Profit & Loss Bridge – 2024 to 2025
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Profit & Loss Bridge – 2024 to 2025 (in EUR mn) Significant increase in operating result mainly due to higher net interest income Lower G&A Strong growth in 3 0
Slide 25: Low NPE ratio with stable trend continues in 2025
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool NPE Coverage (in %) NPE Coverage (in %) 70,9% 62,3% 57,5% 59,2% 58,3% Low NPE ratio with stable trend NPE Ratio* NPE Ratio (in(in%)%) continues in2025 1,25% 1,30
Slide 26: Bond issuance, Funding Plan, Maturity profile
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Latest Issuance Amount Maturity Feb 2026 – Covered bond EUR 50 0mn 02.2031 Jan 2026 – Senior Preferred EUR 50mn 01.2032 Sep 2025 – Covered bond EUR 500mn 05.2031
Slide 27: One of the Best SREP Ratings in Slovakia due to Solid Capital Ratios
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool One of the Best SREP Ratings in Slovakia due to Solid Capital Ratios Regulatory Capital Requirements Commentary As of 12 /2025 • Tatra banka shall meet, on a sub
Slide 28: Increase in Loans to Customers, Securities and Debt issued
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Assets (in EUR mn) Liabilities and Equity (in EUR mn) 2025 vs 2025 vs 2024 2023 2024 2025 2023 2024 2025 2024 Assets 22,231 20,903 23,123 11% Liabilities and Equ
Slide 29: Growth in both Retail and Corporate assets
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Selected P&L and Balance Sheet Items by Reportable Segment (figures below exclude “Investment banking and treasury” segment and the effect of “equity investments
Slide 30: Low concentration risk and well diversified portfolio
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Financial assets by customer group (at amortised cost) Retail clients Corporate clients Public sector Banks 2025 44.8% 32.3% 21.0% 1.9% EUR 9 468 mn EUR 6 814 mn
Slide 31: Strong self-funding with Loans-to-Deposit ratio below 100%
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Strong self -funding with Loans -to-Deposit ratio below 100% Liquidity ratios Funding mix Commentary as of 12/2025 on individual basis as of 12/2025 Senior 27% 2
Slide 32: MREL requirement
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool RBI pursues a Multiple Point of Entry (MPE) resolution strategy, with each EU network unit forming a separate resolution group, in line with RBI’s group structur
Slide 33: No exposure to Russia; Risk to commercial R/E; Bank levy
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Conflict in Ukraine • Tatra banka has negligible exposure to entities from Russia, Belarus and Ukraine (approx. EUR 0.13 mn). • Situation of Raiffeisenbank Russi
Slide 34: Covered Notes & Cover Pool
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Covered Notes &Cover Pool 34
Slide 35: Cover pool structure
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Cover pool structure (as of 3 1.12.2025 ) Covered notes Cover pool Outstanding notes (nominal) EUR 4 010 000 000 EUR 452 000 000 Covered notes rating Aaa by Mood
Slide 36: Cover pool statistics
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Cover pool statistics (as of 31.12 .202 5) Distribution by Loan Purpose Distribution by LTV Other 13% Acquisition 70% to 80% 0% to 40% Maintenance 22% 25% 8% 40%
Slide 37: Covered Bond Directive implemented
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Main features of Slovak covered bond programme • Covered Bond Directive implemented into Slovak law effective since 08 July 2022 • All mortgages in the cover poo
Slide 38: Macroprudential policy of National Bank of Slovakia
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Close monitoring of financial sector Restricted Debt Service -to-Income : • Maximum debt service restricted to Verified Income deducted by Cost of living and Add
Slide 39: Sustainability Strategy
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Sustainability Strategy 39
Slide 40: Tatra banka's Sustainability Strategy
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool The Sustainability Strategy ✓ Tatra banka’s Sustainability strategy ensures long -term resilience, transparency and stakeholder value. It sets the sustainability
Slide 41: Sustainability measures in Tatra banka
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Sustainability measures in Tatra banka Environmental Social Governance Sustainable finance CO 2 reduction Social responsibility Compliance and engagement • Accou
Slide 42: Tatra banka's Carbon footprint
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Greenhouse gas emissions 2025 • Climate awareness is reflected in the Transition Plan for Climate Change Mitigation • Tatra banka calculates its own carbon footp
Slide 43: Sustainable Bond Framework
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Sustainable Bond Management of Framework proceeds Use of proceeds and An amount equivalent to the net proceeds raised by the issuance of Sustainable Bonds shall
Slide 44: Tatra banka's green bond portfolio
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Tatra banka’s green bond portfolio ✓ EUR 950 m and USD 20 m in outstanding green bonds as of 31/12/2024 ✓ The bank repaid the EUR 300 m green bond in February 20
Slide 45: Green bonds allocation reporting
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Allocation reporting as of 31.12.202 4 • As of December 202 5, close to EUR 1 bn of Eligible Green Loans allocated to the green bond portfolio Green bonds • Focu
Slide 46: Impact reporting
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Impact reporting as of 31.12.202 4 CO 2e savings per year in Asset Category CO 2e savings in % Allocated amount in % metric tons Over 31k CO 2e Green buildings 2
Slide 47: Annex
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Annex 47
Slide 48: Profit & Loss Account
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool (in EUR mn) 2025 2024 Y-o-Y Annex Net interest income 540 480 12% Net fee and commission income 184 187 -2% Profit & Loss Net trading income Other net operating
Slide 49: Balance Sheet
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool (in EUR mn) 12 /2025 12 /2024 YTD Assets 23,123 20,903 11% Annex Cash and other deposits payable on demand 225 253 -11% Cash balances at central banks 1 344 1,49
Slide 50: Thank you
Ďakujeme! Thank you! [email protected] www.tatrabanka.sk/en/about-bank/ Pavol Kiralvarga, CFA Head of Financial Analysis & Investor Relations [email protected] Milan Zvarik Head of Treasury [email protected]
Tatra banka, a.s. — Debt Investor Presentation (March 2026) on 6ix