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About PPF banka

We are an integral part of the PPF investment group and the centre of its financial activities. Our main shareholders, PPF Group and the City of Prague, give us a strong and stable backing. We are a purely Czech bank, with Czech owners, Czech management, and all decisions made in the Czech Republic. We provide a range of financial and investment services for the corporate, public and private sectors. We are very active in the market of Czech government bonds, thereby helping the Czech State to finance its requirements. The Czech Ministry of Finance ranks us among the best banks in the market of Czech government bonds on a regular basis.

About PPF Group

PPF is an international investment group firmly rooted in the Czech Republic. PPF Group operates in 24 countries on three continents. The PPF Group companies operate in various sectors such as financial services, telecommunications, biotechnology, real estate, and the engineering industry. PPF Group, represented by its subsidiary companies, is one of the top ten tax payers in the Czech Republic.


Shareholder structure

92.96% PPF Financial Holdings a.s. is the majority shareholder of PPF banka.
6.73%* The City of Prague holds a minority share. *Other less than 1%

History

1992 Founded under the name ROYAL BANKA CS, a. s.

1995 Renamed První městská banka, a. s.; the City of Prague becomes the bank’s majority shareholder

2002 Česká pojišťovna, a. s., a member of PPF Group, becomes a majority shareholder and strategic investor in the bank

2003 Fully integrated into PPF Group

2004 A new name, PPF banka a. s., is adopted


People

Bank Management
Petr Jirásko CEO (Chief Executive Officer)

Born in 1973, Petr Jirásko graduated from the University of Economics, Prague. Prior to graduating, he studied at the International College of Queensland in Brisbane for a year. During his university studies he gained practical experience at Budějovický Budvar n.p., Investa Příbram a. s., Credit Lyonnais Bank Praha a. s. and Tabák, a. s. In 1998, he started to work for Credit Lyonnais Bank Praha a. s. Between 2000 and 2002, he worked at Komerční banka, a. s., ultimately as the Head of the Derivatives Desk. He joined PPF Group in 2002; until 2004 he worked at PPF burzovní společnost a. s., and in April 2004 he switched to PPF banka a. s., starting out as the Managing Director of Financial Markets. He became the Chairman of the Board of Directors and Chief Executive Officer of PPF banka a. s. in October 2013.

Jaroslava Studenovská Director, Operations Division

Born in 1968, Jaroslava Studenovská graduated from the University of Economics, Prague with a degree in General Economic Theory. Between 1992 and 1998 she worked at Česká spořitelna a. s. in various investment banking roles. Between 1999 and 2001 Jaroslava worked as Director of Back Office at IPB/ČSOB a. s. From 2001 to 2005 she worked as the Director of Back Office Treasury at Raiffeisenbank a. s. Jaroslava joined PPF banka a. s. in January 2006, from May 2007 she has been the Managing Director of the Operations Division. She became a member of the Board of Directors in 2012, and was appointed Vice-Chair of the Board of Directors in December 2016.

Miroslav Hudec Director, Financial Management Division

Born in 1966, Miroslav Hudec graduated from the Institute of Chemical Technology in Pardubice, majoring in Industry Economics and Management. He worked as the head of finance departments at Monokrystaly Turnov a .s. and Šroubárna Turnov a. s. He later joined Česká spořitelna’s Fi­nance Division. Before joining PPF banka a. s., Miroslav worked as the Head of Controlling and Deputy Chief Financial Officer at Credit Lyonnais bank Praha and held the same position at the Credit Agricole bank Praha organisational unit. He has worked at PPF banka a. s. since September 2012 as an adviser to the Chief Executive Officer. He became Managing Director, Financial Management in January 2014 and in May 2016 he was appointed to the Board of Directors.

Luboš Prchal Director, Risk Management Division

Born in 1980. A Mathematical Statistics graduate from the Faculty of Mathematics and Physics at Charles University, he completed his doctoral studies at this institution concurrently with studies at the Paul Sabatier University in Toulouse, France. He gained extensive experience in the financial sector at Ernst & Young s.r.o. where he worked from 2007 to 2019, as a Partner from 2016 and as the CESA Financial Services Risk Management Leader from 2018. He joined PPF banka a.s. in November 2020 as an Advisor to the Chief Executive Officer, then as an Advisor to the Director of the Risk Management Division, and in November 2021 he became a member of the Board of Directors and was appointed the Director of the Risk Management Division.

Karel Tregler Director, Commercial and Investment Banking Division

Born in 1978. He graduated in engineering and later received his PhD in Finance from Prague University of Economics and Business. He successfully completed his studies at the Chartered Financial Analyst Institute in 2009. He joined PPF Group in 2000. He initially worked at PPF burzovní a. s. as a stock analyst and then joined PPF Asset Management as a Portfolio Manager in 2004. He worked at Generali PPF Asset Management as a Senior Portfolio Manager from 2008. In 2014 he started his career with PPF banka a.s. as the Director of the Financial Markets Division, and in November 2021 he was appointed member of the Board of Directors and the Director of the Commercial and Investment Banking Division.

Daniel Votápek Director, IT Division

Born 1974. Graduated in Computer Science and IT from the Faculty of Electrical Engineering and Computer Science, Czech Technical University in Prague. He subsequently went on to complete his Master of Business Administration at Sheffield Hallam University in the UK in 2008. Starting in 1999, he steadily built up experience of information technology and project management at Czech and international companies, initially at RadioMobil a.s., then at T-Mobile Czech Republic a.s., where he rose to become Vice President Information Technology. Besides being responsible for corporate IT systems and IT architecture, he also oversaw the development and security of the IT environment, including the roll-out of new technologies and the impact they had on the company’s business across multiple countries within Deutsche Telekom Group. In 2012, he moved to ČSOB as Director IT Development, later becoming IT DevOps Director for physical distribution, credit, financial markets, and Czech Post. He was responsible for IT strategy, core banking systems in the Czech Republic and Slovakia, IT applications and their architecture within ČSOB Group, and, ultimately, for transitioning the company and its IT processes to a more agile and efficient working model. In June 2022, he was appointed to head the IT division at PPF banka a.s.

Pavel Ditz Director, Internal Audit Department

Born in 1965, Pavel Ditz graduated from the Czech Technical University in Prague. In 1988–1991 he worked at Kovoprojekta Praha, s.p. He then joined Komerční banka, a. s., where he held several management roles until 2001. In 2001, he was appointed as the executive director of ENIT, a. s. In 2003, he joined PPF banka a. s. as the Director of the Receivables Department. He has been the director of Internal Audit since September 2005.

Václav Zelenka Director, Compliance Department

Born in 1972, Václav Zelenka graduated from the Faculty of Law of Charles University in Prague. After gaining professional experience at the Czech Ministry of the Interior and at Expandia Banka, a. s. for a year, he joined eBanka, a. s. in 2001, and from 2003 he served there as the Director of the Legal Department. He joined PPF banka a. s. in December 2006 as its Director of Compliance.

Marek Polák Director, Legal Department

Born in 1988, Marek Polák graduated in Law and Legal Science from the Faculty of Law of Charles University in Prague, having also gained experience at leading Czech law firms during his studies. From 2012 to 2014 he was engaged as a lawyer at Komerční banka, a.s., before coming to PPF banka a.s., initially as a lawyer and later rising to Senior Legal Counsel. Over his career he has accumulated a wealth of expertise spanning the whole banking industry and PPF Group, and has participated in numerous high-profile banking projects that have advanced his professional skills in this sector. In 2022 he was promoted to Director, Legal Department.

Martina Veselá Director, CEO’s Office and HR

Born in 1983, Martina gained her degree in Economics and Operations at the Czech University of Life Sciences Prague. She has worked in HR for 18 years, gaining experience in designing, fine tuning and implementing HR strategies in line with the strategic goals of various companies, including HR process management. She continues to grow in her field, currently pursuing a study programme at the Oxford Business Education Institute. She served as Head of HR at Equa bank a.s. from 2016 to March 2022, before joining PPF banka a.s. as Director of the CEO's Office and HR in April 2022.

Board of Directors
Petr Jirásko Chair of the Board of Directors

Born in 1973, Petr Jirásko graduated from the University of Economics, Prague. Prior to graduating, he studied at the International College of Queensland in Brisbane for a year. During his university studies he gained practical experience at Budějovický Budvar n.p., Investa Příbram a. s., Credit Lyonnais Bank Praha a. s. and Tabák, a. s. In 1998, he started to work for Credit Lyonnais Bank Praha a. s. Between 2000 and 2002, he worked at Komerční banka, a. s., ultimately as the Head of the Derivatives Desk. He joined PPF Group in 2002; until 2004 he worked at PPF burzovní společnost a. s., and in April 2004 he switched to PPF banka a. s., starting out as the Managing Director of Financial Markets. He became the Chairman of the Board of Directors and Chief Executive Officer of PPF banka a. s. in October 2013.

Jaroslava Studenovská Vice-Chair of the Board of Directors

Born in 1968, Jaroslava Studenovská graduated from the University of Economics, Prague with a degree in General Economic Theory. Between 1992 and 1998 she worked at Česká spořitelna a. s. in various investment banking roles. Between 1999 and 2001 Jaroslava worked as Director of Back Office at IPB/ČSOB a. s. From 2001 to 2005 she worked as the Director of Back Office Treasury at Raiffeisenbank a. s. Jaroslava joined PPF banka a. s. in January 2006, from May 2007 she has been the Managing Director of the Operations Division. She became a member of the Board of Directors in 2012, and was appointed Vice-Chair of the Board of Directors in December 2016.

Miroslav Hudec Member of the Board of Directors

Born in 1966, Miroslav Hudec graduated from the Institute of Chemical Technology in Pardubice, majoring in Industry Economics and Management. He worked as the head of finance departments at Monokrystaly Turnov a .s. and Šroubárna Turnov a. s. He later joined Česká spořitelna’s Fi­nance Division. Before joining PPF banka a. s., Miroslav worked as the Head of Controlling and Deputy Chief Financial Officer at Credit Lyonnais bank Praha and held the same position at the Credit Agricole bank Praha organisational unit. He has worked at PPF banka a. s. since September 2012 as an adviser to the Chief Executive Officer. He became Managing Director, Financial Management in January 2014 and in May 2016 he was appointed to the Board of Directors.

Luboš Prchal Member of the Board of Directors

Born in 1980. A Mathematical Statistics graduate from the Faculty of Mathematics and Physics at Charles University, he completed his doctoral studies at this institution concurrently with studies at the Paul Sabatier University in Toulouse, France. He gained extensive experience in the financial sector at Ernst & Young s.r.o. where he worked from 2007 to 2019, as a Partner from 2016 and as the CESA Financial Services Risk Management Leader from 2018. He joined PPF banka a.s. in November 2020 as an Advisor to the Chief Executive Officer, then as an Advisor to the Director of the Risk Management Division, and in November 2021 he became a member of the Board of Directors and was appointed the Director of the Risk Management Division.

Karel Tregler Member of the Board of Directors

Born in 1978. He graduated in engineering and later received his PhD in Finance from Prague University of Economics and Business. He successfully completed his studies at the Chartered Financial Analyst Institute in 2009. He joined PPF Group in 2000. He initially worked at PPF burzovní a. s. as a stock analyst and then joined PPF Asset Management as a Portfolio Manager in 2004. He worked at Generali PPF Asset Management as a Senior Portfolio Manager from 2008. In 2014 he started his career with PPF banka a.s. as the Director of the Financial Markets Division, and in November 2021 he was appointed member of the Board of Directors and the Director of the Commercial and Investment Banking Division.

Supervisory Board
Ladislav Chvátal - Chair of the Supervisory Board

Born in 1963, Ladislav Chvátal graduated from the University of Economics, Prague, majoring in Automated Control Systems in Economics. He joined PPF Group in 1994. Within PPF Group, he has held a number of key managerial positions. Between 1998 and 2007, he managed Home Credit Group’s development and international expansion as its CEO while serving as PPF Group’s Executive Director for Retail Banking and Consumer Finance with responsibility for the strategic management of eBanka a. s. and ČP Leasing a. s. Between 2009 and 2014 he was part of the management team at PPF Partners.

Lenka Baramová - Member of the Supervisory Board

Born in 1965, Lenka Baramová graduated from the University of Economics in Prague and joined Komerční banka, a. s. (an SBCS branch at the time) in 1987. In 1993 and 1994 she worked in the Credit Risk Department of ABN AMRO Bank N.V. in Prague. Between 1994 and 2000 she worked at Calyon (then known as Credit Lyonnais Bank Praha a. s.), initially in the Corporate Banking Department and then in Corporate Finance. Between 2000 and 2002, she worked for the consultancy Celestis Finance s.r.o. Since 2002 she has worked for PPF banka a. s. and is currently Senior Relationship Manager.

Bohuslav Samec - Member of the Supervisory Board

Born in 1959, Bohuslav Samec graduated from a two-semester Monetary Economics and Banking course at the Prague University of Economics and Business. Between 1985 and 1993, he held managerial positions in the tertiary sector. He has worked for PPF Group in various managerial positions since 1994. For ten years, he served as a member of the Board of Directors of PPF burzovní společnost a.s. and sat on the Supervisory Boards of Slezan Frýdek-Místek a.s. and Gramofonové závody, a.s. He currently works for Česká pošta, s.p. in the CEO’s Section. He is also a member of the Audit Committee of PPF banka a. s.

Martin Hýbl - Member of the Supervisory Board

Born in 1974, Martin Hýbl graduated from the Trade and Business Faculty of the Silesian University, Karviná, majoring in Business Economics. In 1998, he joined ČP Leasing a. s. and progressively held the positions of a financial analyst, head of financial management, Chief Financial Officer and Member of the Board of Directors. Between 2003 and 2005, he worked at PPF Group in various financial management positions. Since 2005, he has been with PPF banka a. s., initially heading the HC Treasury Department and the head of Investment Services Department. He currently serves as the Head of Investment and Transaction Services Department.

Aleš Kozelský - Member of the Supervisory Board

Born in 1967, Aleš Kozelský earned his master’s degree in automated control systems in economics and then pursued a business PhD at the Faculty of Economics of the VSB – Technical University of Ostrava. He worked as a stockbroker and portfolio manager for a number of financial institutions (Moravia Banka, Creditanstalt Securities, Guttmann & Cie, Delta Securities, and QUORUM Pro), before putting his hands-on experience of the capital market to use at institutions responsible for capital market supervision (Securities Commission, Czech National Bank).

Štěpán Křeček - Member of the Supervisory Board

Born in 1989, Štěpán Křeček graduated in economics and business administration from the Prague University of Economics and Business, Štěpán Křeček began working as an economic analyst in 2012. He has held the position of chief economist at BH Securities, a licensed securities trader and member of the Prague Stock Exchange, since 2017. In 2022, he joined the Advisory Panel of the Prime Minister of the Czech Republic. In the past, he has served on a regional public procurement commission and on municipal commissions responsible for furnishings, tendering and asset disposals.

Audit Commitee
Valdemar Linek - Chair of the Audit Committee
  • Date of birth: 29 May 1971
  • Residential address: Zdická 1387/19, Praha 5 – Radotín
  • Member since: 10 December 2009, Chair of the Audit Committee since 1 October 2021

Valdemar Linek graduated from the Prague University of Economics and Business, majoring in Corporate Economics, Accounting and Corporate Financial Management. He also completed a postgraduate two-semester course in Internationally Accepted Accounting Standards and is a certified balance sheet accountant and registered assistant auditor. In 1997–2003, he worked for HZ Praha, spol. s r.o. as auditing division director, where he was responsible for audit engagements, economic consulting, due diligence and forensic investigation. Since 1999, he has been a managing director of PRAGUE ACCOUNTING SERVICES s.r.o. (an expert institute in the field of economics), where he is responsible for the preparation of expert opinions on business combinations, accounting, taxes and valuations of assets and companies. Since 2005, he has been a director at PRAGUE TAX SERVICES a.s., where he is responsible for economic, accounting and tax consulting. Since 2003, he has been the board chairman, a director and a partner at NEXIA AP a.s., where he is responsible for forensic engagements and project consultancy contracts. In 2011–2018, he was a member of the audit committee of Air Bank a.s.

Jitka Mašátová - Vice-Chair of the Audit Committee
  • Date of birth: 21 January 1978
  • Residential address: Heinemannova 2698/11, Praha 6 – Dejvice
  • Member since: 29 April 2013, Vice-Chair of the Audit Committee since 1 October 2021

Jitka Mašátová graduated from the Prague University of Economics and Business, where she studied Monetary and Economic Policy at the Faculty of Finance and Accounting. While still studying, she joined the Banking Supervision Section of the Czech National Bank, where she held various positions over the course of four years. Since 2005, she has worked for PPF a.s.’s Group Internal Audit Department, which she has headed since 2007. In 2011, she was a member of the Supervisory Board of SAZKA sázková kancelář, a.s. Since 2018, she has been a member of the Supervisory Board of PPF banka a.s. Since 2021, she has also served as Chief Internal Audit Officer at PPF Financial Holdings a.s.

Bohuslav Samec - Member of the Audit Committee
  • Date of birth: 29 July 1959
  • Residential address: Řehníkova 2175, Hostivice
  • Member since: 10 December 2009

Bohuslav Samec graduated from a two-semester Monetary Economics and Banking course at the Prague University of Economics and Business. Between 1985 and 1993, he held managerial positions in the tertiary sector. He has worked for PPF Group in various managerial positions since 1994. For ten years, he served as a member of the Board of Directors of PPF burzovní společnost a.s. and sat on the Supervisory Boards of Slezan Frýdek-Místek a.s. and Gramofonové závody, a.s. He currently works for Česká pošta, s.p. in the CEO’s Section. Since 2006, he has been a member of the Supervisory Board of PPF banka a.s.


Financial results

Basic information
File name Added Effective from Size Format
PPF banka 2022 30.04.2023 30.04.2023 1.43 MB PDF
Annual Reports
File name Added Effective from Size Format
PPF banka - Annual Report 2022 28.04.2023 28.04.2023 6.21 MB PDF

Documents and other information

Pricelists and Terms and Conditions for investment services

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