Tatra banka a.s. · BSSE:1TAT01DE
Tatra banka a.s — Debt Investor Presentation (2026)
44 slides from Tatra banka a.s's debt investor presentation, Aug 13, 2026
Slide 1: Tatra banka Investor Presentation Q2 2026
Tatra banka Member of RBI Group Investor Presentation Q2 2026
Slide 2: Disclaimer
Disclaimer IMPORTANT: You must read the following before continuing. The following applies to this document, the oral presentation of the information in 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: Tatra banka Q2 2026 Executive Summary
Tatra banka Q2 2026 Executive Summary Profit after tax Return on equity Cost-to-Income ratio (annualised) (annualised) EUR 134 mn EUR 131 mn 16,1% 16,3% 43,4% 44,9% 1-6 2026 1-6 2025 1-6 2026 1-6 2025 1-6 2026 1-6 2025 2,7% y-o-y -0,2 pp y-o-y -1,5 pp y-o-y Balance sheet Loans to clients Deposits fr
Slide 4: Tatra banka Q2 2026 Executive Summary: Capital & Liquidity
Tatra banka Q2 2026 Executive Summary General Admin. Net Interest Income Net Fee Income Expenses EUR 289 mn EUR 260 mn EUR 102 mn EUR 89 mn EUR -179 mn EUR -167 mn 1-6 2026 1-6 2025 1-6 2026 1-6 2025 1-6 2026 1-6 2025 11,0% y-o-y 15,2% y-o-y 7,0% y-o-y Capital & Liquidity Risk-weighted assets Total
Slide 5: Contents
Slovak Republic – Macroeconomic Overview Tatra banka Group Contents Tatra banka Financials Covered Notes & Cover Pool Sustainability Strategy Annex. Financial Statements 5
Slide 6: 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
Slide 7: Slovak Republic: Macroeconomic Executive Summary
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Slovak Republic: Macroeconomic Executive Summary • Competitive EU economy: Highly competitive, service-oriented economy with a strong industrial base; population
Slide 8: A mild recovery in 2027 is expected after consolidation and energy shock
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool A mild recovery in 2027 is expected after consolidation and energy shock Budget deficit to GDP ratio, % Government debt to GDP ratio, % The budget deficit is pro
Slide 9: Labor market & real estate: stable employment, gradual housing recovery
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Labor market & real estate: stable employment, gradual housing recovery Unemployment rate, % Nominal & real wage growth, % yoy Unemployment remains low; gradual
Slide 10: Banking sector: Tatra banka is leader in profitability
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Banking sector: Tatra banka is leader in profitability • Solid sector profitability despite bank tax: The banking tax, introduced in 2024, continues to weigh on
Slide 11: 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 Return on Equity (annualized), % (on individual basis) Cost-to-Income Ratio, % (on individual basis) 15,9
Slide 12: Tatra banka Group
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Tatra banka Group
Slide 13: Leading Banking Group in CEE
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Leading Banking 1 304 branches Group in CEE Leading regional player with CEE presence of over 30 years Covering Austria and 11 CEE markets, of 41 704 which five
Slide 14: 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 Profit after tax EUR 1 256 mn RBI Group 1-6 2026 >100% y-o-y Key Financial Indicators Balance sheet Loans to clients Deposits from client
Slide 15: Tatra banka
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Bank established as First private bank in Slovakia greenfield company in 1990 Tatra banka The most awarded and one of the largest banks in Slovakia, Part of the
Slide 16: 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 16
Slide 17: Tatra banka Financials
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Tatra banka Financials 17
Slide 18: 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 Profit after tax EUR 134 mn EUR 131 mn TBG Key 1-6 2026 2,7% y-o-y 1-6 2025 Performance Indicators Balance sheet Loans to clients Deposit
Slide 19: Strong operating result supported by net interest income
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Profit & Loss Bridge – 1-6 2025 to 1-6 2026 (in EUR mn) Significant increase in operating result Increase in impairment allowances due mainly due to higher net i
Slide 20: 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) 187 167 155 158 102 89 480 540 404 300 322 260 289 Continuous double digi
Slide 21: Stable NPE Coverage, Low NPE Ratio, Prudent provisioning
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool NPE Coverage (in %) 62,3% 59,2% 58,9% 58,3% 57,5% Stable NPE Coverage NPE Ratio* Low NPE Ratio (in %) 1,3% 1,2% 1,3% 1,1% 1,1% Prudent provisioning One off impai
Slide 22: 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 30.6.2026 • Tatra banka shall meet, on a su
Slide 23: Meeting MREL Targets with comfortable buffers
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Multiple Point of Entry (MPE) resolution strategy • RBI pursues a Multiple Point of Entry (MPE) resolution strategy, with each EU network unit forming a separate
Slide 24: 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 30.6.2026 on individual basis Senior as of 30.6.2026 • 8
Slide 25: 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 May 2026 – Green Senior Preferred EUR 250mn 05 - 2032 Feb 2026 – Covered bond EUR 500mn 02 - 2031 Jan 2026 – Senior Preferred EUR
Slide 26: 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) 06/2026 06/2026 2024 2025 06/2026 vs 2025 2024 2025 06/2026 vs 2025 Assets 20 903 23 123 23 369 1,1% Liabil
Slide 27: Financial assets by customer group and loan portfolio by industry
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 06/2026 44,8% 31,8% 22,5% 1,0% EUR 10 028 mn EUR 7 11
Slide 28: 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
Slide 29: Cover pool structure (as of 30.6.2026)
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Cover pool structure (as of 30.6.2026) Covered notes Cover pool Outstanding notes (nominal) EUR 4 010 000 000 Supplementary Liquid Assets (nominal) EUR 232 000 0
Slide 30: Cover pool statistics (as of 30.6.2026)
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Cover pool statistics (as of 30.6.2026) Distribution by Loan Purpose Distribution by LTV Other 10% 70% to 80% Construction 23% 0% to 40% 25% 9% Maintenance 1% 48
Slide 31: 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 32: 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 Addit
Slide 33: Sustainability Strategy
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Sustainability Strategy
Slide 34: The Sustainability strategy
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool The Sustainability strategy ✓ Tatra banka Group’s Sustainability strategy ensures long-term resilience, transparency and stakeholder value. It sets the sustainab
Slide 35: Greenhouse gas emissions 2025
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 Group calculates its own carbon
Slide 36: Green Bond Portfolio
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Green Bond Portfolio ✓ EUR 650m and USD 20m in outstanding green bonds as of 31/12/2025 Portfolio Details ✓ The net proceeds from the issuance of the green bonds
Slide 37: Allocation and Impact
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Allocation and Impact as of 31.12.2025 Green Bond • As of December 2025, EUR 891 mn Eligible Green Reporting Loans were allocated into green bond portfolio • Gre
Slide 38: Annex
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool Annex
Slide 39: Profit & Loss Account
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool (in EUR mn) 1-6 2026 1-6 2025 Y-o-Y Net interest income 289 260 11,0% Net fee and commission income 102 89 15,2% Profit & Loss Net trading income 22 22 -1,4% Acc
Slide 40: Balance Sheet
Slovak Republic – Tatra banka Group Tatra banka Financials Covered Notes & Sustainability Strategy Annex Macroeconomic Overview Cover Pool (in EUR mn) 06/2026 2025 YTD Assets 23 369 23 123 1,1% Cash and other deposits payable on demand 188 225 -16,2% Cash balances at central banks 288 1 344 -78,5% B
Slide 41: 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 42: No exposure to Russia, Risk to commercial R/E under control, 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 0.14 mn). • Situation of Raiffeisenbank Russi
Slide 43: 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 Yo
Slide 44: Thank you!
Ďakujeme! Thank you! [email protected] www.tatrabanka.sk/en/about-bank/ Pavol Kiralvarga, CFA Milan Zvarik Head of Financial Analysis & Investor Relations Head of Treasury [email protected] [email protected]
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