Česká spořitelna, a.s.

Česká spořitelna, a.s. is a Czech universal bank and a member of Erste Group Bank AG, operating under a license from the Czech National Bank and serving retail, SME, corporate, and public-sector clients. The bank provides current and savings accounts, domestic and international payments, cards, consumer loans, mortgages, overdrafts, and corporate lending, and distributes investment and insurance products through group and partner entities; investment and brokerage services are provided under MiFID II rules, with client asset segregation and participation in the Czech investor compensation scheme according to applicable law. Account packages are structured with bundled services and fee waivers tied to activity or balance criteria; pricing, limits, and interest rates are published in its tariff and may change. Digital banking is offered via the George web and mobile platforms with strong customer authentication, instant CZK payments where available, and support for major mobile wallets; service coverage and limits depend on device, network, and scheme availability. The bank maintains a nationwide branch and ATM network, supports cash deposits at selected machines, and operates 24/7 channels for card blocking and incident reporting; day-to-day service hours vary by location. Deposits are protected by the Czech deposit insurance scheme managed by Garanční systém finančního trhu up to the statutory limit per depositor per bank; investment products and structured solutions carry market, credit, and liquidity risks and are not covered by deposit insurance. Cross-border transfers are executed through SEPA and SWIFT with standard cut-off times and correspondent fees where applicable. Credit products are subject to affordability and collateral assessments, early-repayment rules under Czech law, and may involve fees; foreign-currency transactions are subject to exchange-rate spreads. The bank publishes annual and interim financial reports, risk disclosures, and product terms in Czech and, for key materials, in English.