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PPF Financial Holdings

Financial services and banking are among PPF Group’s core business lines. A strong focus on customer needs, investment in innovation and digital technology, and an ever-evolving portfolio of modern financial services continue to drive growth across PPF Financial Holdings’ brands – PPF banka, Air Bank, Home Credit, ClearBank, and Yettel Bank.

PPF Financial Holdings a.s. is subject to consolidated prudential requirements under Regulation (EU) No 575/2013 of the European Parliament and of the Council and operates under the consolidated supervision of the Czech National Bank. In the Czech Republic, the Czech National Bank classifies PPF Financial Holdings a.s. as an “other systemically important institution”.

The financing and debt structure of PPF Financial Holdings a.s. saw no significant changes in 2024. The company drew on cash flow from its most significant subsidiaries – PPF banka and Home Credit – and distributed a dividend of EUR 121 million.

The shareholding in MONETA Money Bank, a.s., acquired in 2021 and held via Tanemo a.s. (an affiliate), remained unchanged in 2024.

PPF GATE

People

Board of Directors
Supervisory Board

Kateřina Jirásková

Chairman of the Board of Directors

Lubomír Král

Member of the Board of Directors

Radek Pluhař

Member of the Board of Directors

Petr Přecechtěl

Member of the Board of Directors

Zdeněk Šperka

Member of the Board of Directors

Securities

Terms and Conditions of Securities: PPF FIN.H. 3,6/28 (ISIN: CZ0000001078) – repaid

Prospectus PPF FIN.H. VAR/27 (ISIN: CZ0000001011) – repaid

Obligatory Published Information

Financial Statements, Annual, and Semi-Annual Reports

PPF Financial Holdings a.s. – Annual Accounts 2023 in pdf format (in Czech language only, published on 29. 8. 2024)

PPF Financial Holdings a.s. – Half-year report 2023 (in Czech language only, published 6. 11. 2023)

PPF Financial Holdings a.s. – Annual Accounts 2022 in pdf format (in Czech language only, published on 27. 6. 2023)

PPF Financial Holdings a.s. – Half-year report 2022 (published 30. 9. 2022)

PPF Financial Holdings a.s. – Annual Accounts 2021 in ESEF format (published on 2. 5. 2022), Annual Accounts 2021 in PDF format (published on 9. 5. 2022)

PPF Financial Holdings a.s. – Half-year report 2021 (published 30. 9. 2021)

PPF Financial Holdings B.V. – Annual Accounts in ESEF format, Annual Accounts 2020 in PDF format (published on 23. 4. 2021)

PPF Financial Holdings B.V. – Half-year report 2020 (published on 30. 9. 2020

PPF Financial Holdings B.V. – Annual Accounts 2019 (published on 30. 4. 2020)

PPF Financial Holdings B.V. – Half-year report 2019 (published on 01. 10. 2019)

PPF Financial Holdings B.V. – Annual Accounts 2018 (published on 30. 4. 2019)

PPF Financial Holdings B.V. – Half-year report 2018 (published on 01. 10. 2018)

PPF Financial Holdings B.V. – Annual Accounts 2017

PPF Financial Holdings B.V. – Consolidated special purpose financial statements for the year ended 31 December 2016

Obligatory Published Inside Information

PPF Financial Holdings a.s. – call option exercise notice (published on 30. 9. 2022)

PPF Financial Holdings a.s. – information on H1 2022 consolidated result (published on 30. 9. 2022)

PPF Financial Holdings a.s. – information on FY 2021 consolidated profit (published on 2. 5. 2022)

PPF Financial Holdings a.s. – information on H1 2021 consolidated profit
(published on 24. 9. 2021)

PPF Financial Holdings B.V. – information on H2 2020 consolidated profit
(published on 18. 3. 2021)

PPF Financial Holdings B.V. – information on Q2 2020 consolidated profit
(published on 25. 9. 2020)

PPF Financial Holdings B.V. – information on Q1 2020 consolidated profit
(published on 29. 5. 2020)

PPF Financial Holdings B.V. – information on Q4 2019 consolidated profit
(published on 17. 3. 2020)

PPF Financial Holdings B.V. – information on Q3 2019 consolidated profit
(published on 13. 11. 2019)

PPF Financial Holdings B.V. – information on Q2 2019 consolidated profit
(published on 2. 9. 2019)

PPF Financial Holdings B.V. – Home Credit B.V.: submission of application for listing on Hong Kong Stock Exchange (published on 15. 7. 2019)

PPF Financial Holdings B.V. – information on Q1 2019 consolidated profit (published on 2. 7. 2019)

PPF Financial Holdings B.V. – information on Q4 2018 consolidated profit (published on 8. 3. 2019)

Home Credit Group B.V., subsidiary of PPF Financial Holdings B.V., ends its discussions with MONETA Money Bank, a.s. (published on 27. 02. 2019)

PPF Financial Holdings B.V. – information on Q3 2018 consolidated profit
(published on 27. 11. 2018)

Home Credit Group B.V., subsidiary of PPF Financial Holdings B.V., entered into preliminary agreement with MONETA Money Bank, a.s. (published on 08. 10. 2018)

Other Obligatory Information

Information on interest payment and principal repayment of bond PPF FIN.H. VAR/27 on 19 December 2022 (published on 16. 12. 2022)

Information on interest payment of bond PPF FIN.H. VAR/27 on 20 June 2022 (published on 17. 6. 2022)

Information on interest payment of bond PPF FIN.H. VAR/27 on 20 December 2021 (published on 16. 12. 2021)

Information on interest payment of bond PPF FIN.H. VAR/27 on 18 June 2021
(published on 16. 6. 2021)

Information on interest payment of bond PPF FIN.H. VAR/27 on 18 December 2020 (published on 16. 12. 2020)

Information on interest payment of bond PPF FIN.H. VAR/27 on 18 June 2020
(published on 17. 6. 2020)

Information on interest payment of bond PPF FIN.H. VAR/27 on 18 December 2019
(published on 18. 12. 2019)

Information on interest payment of bond PPF FIN.H. VAR/27 on 18 December 2018
(published on 28. 1. 2019)

Information about the choice of a Member State of the European Union pursuant to Section 123 of the Capital Market Undertakings Act (published on 24. 09. 2018)

Obligatory Information Pursuant to CRR and CNB Decree

4Q2024 Information pursuant to CNB Decree consolidated (published on 30. 4. 2025)

4Q2024 Information pursuant to CRR consolidated (published on 30. 4. 2025)

2Q2024 Information pursuant to CRR consolidated (published on 12. 8. 2024)

4Q2023 Information pursuant to CRR consolidated (published on 30. 4. 2024)

4Q2023 Information pursuant to CNB Decree consolidated (published on 30. 4. 2024)

2Q2023 Information pursuant to CRR consolidated (published on 14. 8. 2023)

4Q2022 Information pursuant to CRR consolidated – based on the audited financial statements (published on 11. 7. 2023)

4Q2022 Information pursuant to CNB Decree consolidated – based on the audited financial statements (published on 24. 8. 2023)

4Q2022 Information pursuant to CRR consolidated (published on 2. 5. 2023)

4Q2022 Information pursuant to CNB Decree consolidated (published on 2. 5. 2023)

3Q2022 Information pursuant to CRR consolidated (published on 14. 11. 2022)

2Q2022 Information pursuant to CRR consolidated (published on 12. 8. 2022)

1Q2022 Information pursuant to CRR consolidated (published on 13. 5. 2022)

4Q2021 Information pursuant to CRR consolidated (published on 2. 5. 2022)

4Q2021 Information pursuant to CNB Decree consolidated (published on 2. 5. 2022)

Other Published Information

PPF Financial Holdings a.s. – call option exercise notice (published on 7. 9. 2023)

Information on the interest rate of the bond PPF FIN.H. VAR/27 for the eighth interest period from 18 June 2022 to 18 December 2022 (published on 17. 6. 2022)

Information on the interest rate of the bond PPF FIN.H. VAR/27 for the seventh interest period from 18 December 2021 to 18 June 2022 (published on 16. 12. 2021)

Information on the interest rate of the bond PPF FIN.H. VAR/27 for the sixth interest period from 18 June 2021 to 18 December 2021 (published on 16. 6. 2021)

Information on change of legal registered office (published on 1. 6. 2021)

Information on the interest rate of the bond PPF FIN.H. VAR/27 for the fifth interest period from 18 December 2020 to 18 June 2021 (published on 16. 12. 2020)

Information on the interest rate of the bond PPF FIN.H. VAR/27 for the fourth interest period from 18 June 2020 to 18 December 2020 (published on 17. 6. 2020)

Information on the interest rate of the bond PPF FIN.H. VAR/27 for the third interest period from 18 December 2019 to 18 June 2020 (published on 18. 12. 2019)

Condensed consolidated interim financial statements for the six months ended 30 June 2019 reviewed by auditor (published on 11. 11. 2019)

“In 2024, the companies under PPF Financial Holdings once again made a significant contribution to the stable profitability of PPF Group, driven in particular by the strong performance of Air Bank and PPF banka. Financial services remain a key asset and a source of competitive advantage for our innovative ventures, including the Unity ecosystem.”

Kateřina Jirásková

Chief Financial Officer, PPF Group

Contacts

PPF Financial Holdings a.s.

www.ppffinancialholdings.eu

Evropská 2690/17
160 00 Prague 6
Czech Republic

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