Jakub Cerný
Head of Investor Relations

Welcome from Komercni banka, and thank you for sharing your time with us today. It is the 30th of April 2026, and we are going to discuss the results of Komercni banka Group for the first quarter of this year 2026.

Please note that this call is being recorded. Our presentators today will be Jan Juchelka, Chairman of Management Board and CEO of Komercni banka; and Etienne Loulergue, Chief Financial Officer. We also have ready to answer your questions Anne Kouchkovsky, Chief Risk Officer; Miroslav Hirsl, Head of Retail Banking; Katarina Kurucova, Head of Corporate and Investment Banking; Jitka Haubova, Chief Operations Officer; and Margus Simson, Chief Digital Officer.

As always, we will begin with the presentation of results, which will be later followed by a questions and answer session. [Operator Instructions] So that's it from me.

Now I would like to hand over to Jan Juchelka to begin the presentation. Thank you.

Jan Juchelka
Chairman of the Board & CEO

All right. Thank you for being with us. Welcome, everyone. It's my pleasure together with the team to guide you through the presentation of Q1 2026 results.

Before we start flipping the pages, let me say that the first quarter of 2026 was framed by the fact that back in 2025, we finalized the