Moneta Money Bank A.S.

Investor Presentation • Jan 31, 2025

FY 2024 Results

Published on 31 January 2025 at 07:00 CET According to IFRS, Consolidated, Unaudited

MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION

FY 2024 YTD KEY HIGHLIGHTS

(in CZK)

• Operating income of CZK 12.9 billion (+6.3%) supported by growth in net interest income (+4.0%) and net fee and commission income (+16.6%)
• Operating expenses maintained stable at CZK 5.7 billion despite persisting inflationary pressure in the labour market
• Net profit of CZK 5.8 billion (+11.7%) exceeds a full-year minimum profitability target of CZK 5.2 billion by CZK 0.6 billion
• Total assets reached CZK 495 billion (+8.0%), driven by the expansion of client deposits (+7.7%) and the successful issuance of MREL eligible bonds

FY 2024 YTD KEY HIGHLIGHTS

(in CZK)

• Capital adequacy ratio at 18.2%, which is 3.2% above management target and corresponding to excess capital of CZK 5.5 billion¹
• MREL ratio of 27.0% reinforced by EUR 300 million senior preferred bond issuance in September'24
• Return on Tangible Equity at 20.4% (+2.4pp) exceeds a full-year minimum target of 17% by 3.4pp
• Dividend proposal of CZK 10 per share (CZK 5.1 billion) ² to be decided by shareholders on 24 April 2025

Capital	Excess	MREL
adequacy ratio	capital1	ratio
18.2	5.5	27.0
%	bn	%
Excess 3.2%	CZK 10.8 per share	Excess 5.0%
Return on	Proposed	2024 Total
Tangible Equity	dividend2	shareholder return
20.4	5.1	48.0
%	bn	%
+2.4pp	CZK 10 per share	vs 35.7% in 2023

Note: (1) Excess capital above the capital management target of 15.05% as at 31 December 2024 and after proposed dividend of CZK 5.1 billion; (2) Subject to corporate, regulatory and regulator´s limitations and shareholders' approval at the General Meeting to be held on 24 April 2025.

MONETA outperformed its guidance across, on net profit by CZK 0.6 billion or 11.7% and operating income by CZK 0.5 billion or 4.1%

2024 market guidance versus final results

Metrics	2024 guidance1	2024 results		Variance guidance vs results
Total operating income (CZK bn)	12.4	12.9	4.1%	+0.5
Total operating expenses (CZK bn)	(5.8)	(5.7)	(1.3)%	+0.1
Operating profit (CZK bn)	6.6	7.2	8.9%	+0.6
Cost of risk (bps)	(10-30)	(14)	-	-
NET PROFIT (CZK bn)	5.2	5.8	11.7%	+0.6
Earnings per share (CZK)	10.2	11.4	11.7%	+1.2
Return on Tangible Equity	17.0%	20.4%	19.8%	+3.4pp

Q CONTENT

• Macroeconomic Environment
• Operating Platform
• Profit and Loss Development
• Balance Sheet Development
• Liquidity Development
• Capital Management
• Risk Metrics & Asset Quality
• 2025 – 2029 Market Guidance
• Appendix

Czech economy grew by 1.4%; unemployment remains stable; state budget deficit came at CZK 271 billion, lower than expected by CZK 11 billion

Note: (1) Source: GDP at constant prices of 2020 based on the Czech Statistical Office (CZSO); GDP at current prices – 3Q 2023: CZK 1,913bn, 4Q 2023: CZK 1,927bn, 1Q 2024: CZK 1,965bn, 2Q 2024: CZK 1,997bn, 3Q 2024: CZK 2,016bn; GDP Y/Y % change: 3Q 2023–3Q 2024 actuals based on the CZSO seasonally adjusted and FY 2024 CNB forecast; (2) Euro area data: www.ec.europa.eu/eurostat as at 22 January 2025; (3) ILO methodology, 2024F based on the CNB forecast issued in Autumn 2024; (4) Source: www.mfcr.cz. 6

Inflation on a descending trajectory towards the CNB inflation target of 2%; the key rate decreased to 4.0%

Contribution to inflation by item¹

	Dec'2023 % contribution	Dec'2024 % contribution	Dec'2024 Y/Y price change %
Food and beverages	0.4	0.7	2.7
Clothing and footwear	0.2	0.0	(0.7)
Housing, energy	4.7	1.1	3.4
Health	0.2	0.1	3.9
Transport, telecommunication	0.1	0.1	1.2
Recreation, culture, education	0.5	0.4	1.4
Restaurants and hotels	0.5	0.4	6.8
Other	0.3	0.2	3.5
Total	6.9	3.0	3.0

7

Source: CZSO, Bloomberg. Note: (1) Inflation rate as an increase in the average annual Consumer price index; (2) Consumer price index calculated as an increase in the CPI compared with the corresponding month of the preceding year; (3) Composed of short-term PRIBOR and swap market indication from 1 year and longer maturity.

CONTENT

• Macroeconomic Environment
• Operating Platform
• Profit and Loss Development
• Balance Sheet Development
• Liquidity Development
• Capital Management
• Risk Metrics & Asset Quality
• 2025 – 2029 Market Guidance
• Appendix

OVERALL BUSINESS PLATFORM

consists of three service and sales distribution pillars:

• Digital presence
• Branch network
• Contact centre

supported by own and shared ATM network, enabling deposits, withdrawals and service operations

Total number of clients	Branch network	Own & shared ATM network1
1.6 m	124	1,966
+1.4%	(7.5)%	(0.3)%
Total number of employees	Number of front line employees	Number of other employees2
2,490	1,352	1,138
(0.8)%	(4.0)%	+3.2%

Note: Numbers as at 31 December 2024. The percentage represents the year-on-year change. (1) Out of which 795 ATMs have a deposit function; (2) Includes control and enabling functions.

DIGITAL is a critical distribution and service channel consisting of four key pillars: • Web: www.moneta.cz • Web: www.hypoteka.cz • Mobile: Smart Banka • Internet: Internet Banka Additionally, it is supported by its presence on social media platforms: Sales transactions Loan applications Digital platform users¹ Payment transactions Average daily visits¹ Servicing transactions 23.1m +23.5% 73.2m +13.1% 684ths 355ths +26.2% 400ths 1.5m +7.3% +8.8% +12.3%

Note: Payment transactions, servicing transactions and sales transactions during the year 2024. All numbers in units. The percentage represents the year-on-year change. (1) Combination of Smart Banka and Internet Banka.

BRANCH NETWORK

continues to play an important role in product distribution and client service. The network is organised into six distinct front-office units:

• Retail banking
• Wealth management distribution
• Mortgage distribution
• Small business banking
• SME banking
• Structured finance for corporate clients

Note: Visits, cash transactions and loan applications during the year 2024. Cash transactions and loan applications in a number of units. The percentage represents the year-on-year change. (1) Cash and non-cash visits; (2) As at 31 December 2024; (3) Includes retail, SME and small business bankers.

CONTACT CENTRE

complements the service and sales of both the digital and physical branch network through a range of communication channels:

• Telephone
• Email
• Web
• Chats
• Social media

Note: Number of staff as at 31 December 2024, rest data cumulative during the year 2024 for retail and commercial clients. The percentage and percentage points represent the year-on-year change. (1) Inbound traffic = number of answered incoming calls; (2) Monthly average; (3) Email communication = number of answered emails or messages from Internet Banka, web forms, chats or social media; (4) Percentage of calls answered out of total incoming calls, including resolved customer requests from missed calls that were called back; (5) Abandon rate = % of missed calls out of total incoming calls; (6) Lifetime income estimate of all insurance units sold.

ATM NETWORK

provides 24/7 access to withdrawals, deposits and miscellaneous services through its own and shared network. ATM alliance partnership includes four banks:

• MONETA Money Bank
• Komerční banka
• Air Bank
• UniCredit Bank

Note: Withdrawals, deposits and service transactions on MONETA's ATMs in a number of units during the year 2024. The percentage represents the yearon-year change.

We are constantly improving our product offering to better meet our clients' needs 2024 Achievements 2025 Priorities

Daily Banking

Credit Distribution

Fee Income Products

• Streamlined deposit repricing including fully digital communication and real-time digital retention program
• Launched 24/7 online FX for EUR and USD
• Introduced new premium current account offer with enhanced daily banking and travel-related benefits
• Launched a fully online unsecured loan consolidation process including price optimisation model
• Rolled out omni-channel mortgage platform seamlessly integrating online and branch processes
• Closed all 3rd party distribution to focus on distribution through owned channels
• Extension of licence to offer investment securities and a customer asset management service
• Successful launch of investment certificate with capital protection for investors with low risk appetite

• New family insurance package for personal belongings and also for selected cyber risks

• Enhance loyalty rewards program in collaboration with new outsourcing partner

• Launch travel focused credit card proposition to drive international transactions and FX income
• Expanded card management functionality in digital channels

• Introduction of new unsecured housing loan

• Launch fully online non-purpose mortgage proposition
• Introduction of payment holiday as a standard feature for consumer loans and mortgages
• Launch of asset management service for retail clients via Irish domiciled ICAV structure (in cooperation with partner)
• Introduction of alternative investment products for qualified investors.
• Upgrade of credit protection and travel insurance propositions

CONTENT

• Macroeconomic Environment
• Operating Platform
• Profit and Loss Development
• Balance Sheet Development
• Liquidity Development
• Capital Management
• Risk Metrics & Asset Quality
• 2025 – 2029 Market Guidance
• Appendix

Net profit of CZK 5.8 billion driven by operating income growth, stable cost base and cost of risk below the midpoint of the guided range

PROFIT AND LOSS (CZK m)	2023	2024	CHANGE YoY
Net interest income	8,577	8,919	4.0%	+342
Net fee and commission income	2,624	3,060	16.6%	+436
Other income	946	932	(1.5)%	(14)
OPERATING INCOME	12,147	12,911	6.3%	+764
Operating expenses	(5,730)	(5,722)	(0.1)%	+8
OPERATING PROFIT	6,417	7,189	12.0%	+772
Cost of risk	(305)	(386)	26.6%	(81)
PROFIT BEFORE TAX	6,112	6,803	11.3%	+691
Income tax	(912)	(995)	9.1%	(83)
NET PROFIT	5,200	5,808	11.7%	+608
Earnings per share	10.2	11.4	11.7%	+1.2
Return on Tangible Equity	18.0%	20.4%	13.1%	2.4pp
Effective tax rate	14.9%	14.6%	(2.0)%	(0.3)pp

Net interest income growth driven by balance sheet expansion; repricing activity translated into further improved NIM to 2.0% in 4Q 2024 compared to 1.9% in 3Q 2024 (2023 YtD: 2.1%)

Net fee and commission income growth driven mainly by strong distribution of wealth management products (up by CZK 408 million)

Cost base remained stable due to lower contribution to regulatory funds (down by 29.6%) and lower administrative expenses partially offset by higher personnel expenses. Cost to income ratio at 44.3%

Cost of risk of CZK 386 million or 14bps, below the midpoint of the guided range 10-30bps

Net profit of CZK 5.8 billion, up by 11.7% with RoTE at 20.4%, enabled to propose a dividend of CZK 10 per share

Net interest income growth driven by higher lending income and lower deposit expense due to repricing activities, offsetting lower treasury income

Note: (1) Treasury and other net interest income composed of money market operations, investment portfolio, wholesale funding and issued bonds. ¹⁷

Commission income significantly improved due to strong performance in wealth management product distribution

Cross-selling of wealth management products more than doubled income originated from this category

Overall growth in recurrent income mainly driven by the distribution of life and other insurance products

	2023	2024	Change
Life insurance
Annual premium equivalent (CZK m)	142	169	+19.1%
Commissions earned (CZK m)	208	281	+34.6%
Pension insurance
Units sold (ths)	37	32	(13.5)%
Commissions earned (CZK m)	78	73	(7.0)%
Payment protection insurance
Gross written premium (CZK m)	720	757	+5.1%
Commissions earned (CZK m)	346	358	+3.7%
One-offs (CZK m)1	224	51	(77.0)%
Number of licensed staff (IDD)2	682	675	(1.0)%

Note: (1) One-offs excluding recurring bonuses; (2) As at 31 December of the relevant year. ²⁰

Gain on bond sale and improved client FX margin offset the negative impact from hedging derivatives

Net income from financial operations (CZK m)

Key highlights

• Bond sale: +CZK 32 million year-on-year higher income accomplished through successful minor disposal from the investment portfolio in 1Q 2024.
• FX margin: +CZK 27 million year-on-year driven by improved margin on client FX conversions.
• Other results: CZK (88) million year-on-year, includes the impact from hedging derivatives, FX swaps and balance sheet revaluation to functional currency.

Persistent inflationary pressure on salaries was offset by savings achieved across other cost categories

Operating expenses (CZK m)

CONTENT

• Macroeconomic Environment
• Operating Platform
• Profit and Loss Development
• Balance Sheet Development
• Liquidity Development
• Capital Management
• Risk Metrics & Asset Quality
• 2025 – 2029 Market Guidance
• Appendix

KEY BALANCE SHEET METRICS

Lending returned to growth; funding base expansion driven by continued deposit gathering despite significant repricing

The balance sheet expanded to CZK 495 billion through deposit base growth and MREL bond issuance

Assets (CZK bn) Liabilities and equity (CZK bn) Cash and cash balances at CNB1 +14.6% YoY Investment securities +11.8% YoY Net customer loans +4.7% YoY 263.1 266.7 271.0 270.4 275.4 104.4 103.2 102.0 106.0 116.7 77.6 82.1 96.4 95.4 88.9 13.2 4Q 16.0 1Q 13.9 2Q 16.4 3Q 458.2 468.0 483.3 488.2 4Q 495.0 14.0 +8.0% Other assets 2023 2024 2023 2024

Notes: (1) Including reverse repo operations with the CNB; (2) Including CSA from Due to customers in the amount of CZK 270m at the end of 4Q 2023, CZK 253m at the end of 1Q 2024, CZK 253m at the end of 2Q 2024, CZK 197m at the end of 3Q 2024 and CZK 215m at the end of 4Q 2024. ²⁵

NEW LENDING VOLUMES

MONETA renewed lending activity in both retail and commercial segments during 2024

2023

2024

Loan portfolio returned to growth mainly in small business and SME

Gross performing loan portfolio (CZK bn)

Note: (1) Includes investment loans, working capital and commercial auto loans and leasing portfolio. ²⁷

Retail loans returned to growth since the beginning of the year, mainly through mortgage lending

Notes: (1) Loan to value ratio on the performing mortgage portfolio at 53.4% as at 31 December 2024; (2) Supplementary housing loans represent 80% of the balance as at the end of 4Q 2024. ²⁸

Commercial loan book produced fairly strong growth across all product categories

Notes: (1) Commercial loan portfolio includes portfolio of MONETA Leasing in the amount of CZK 2.2bn as at the end of 4Q 2023, CZK 1.9bn as at the end of 1Q 2024, CZK 1.6bn as at the end of 2Q 2024, CZK 1.4bn as at the end of 3Q 2024 and CZK 1.2bn as at the end of 4Q 2024; (2) Investment loan portfolio includes supplementary housing loans.

Loan portfolio yield remained stable; hedged yield declined in line with short-term interest rate reduction

Note: For more details, please see the explanation in the glossary. (1) A significant portion of the commercial loan portfolio bears interest at floating rates and only longer maturities with fixed interest rates are hedged; therefore, the impact of the hedging results on the yield of the commercial loan portfolio is only marginal.

Customer deposit base grew by 7.7%, despite repricing activities during 2024; wholesale funding growth supported by MREL bond issuance

Customer deposits and wholesale funding¹ (CZK bn)

Notes: (1) Excludes opportunistic repo operations and CSA (CZK 0.8bn at the end of 4Q 2023, CZK 0.7bn at the end of 1Q 2024 and CZK 0.9bn at the end of 2Q 2024, CZK 0.4bn at the end of 3Q 2024 and CZK 0.6bn at the end of 4Q 2024); wholesale funding includes Issued bonds, Subordinated liabilities and Due to banks balances.

31

Cost of funding reduced by 141bps or almost 40% through several repricing actions; NIM returned to growth and closed the year at 2.1%

Monthly development of costs and balances of customer deposits (%, CZK bn)

Net interest margin development over 12 months

Retail deposit growth achieved mainly through savings and term deposit accounts

Commercial deposits substantially expanded throughout 2024

Savings, term and other deposits1 (CZK bn)

WHOLESALE FUNDING DEVELOPMENT

Wholesale funding strengthened by EUR 300 million bond issuance in September 2024

Notes: (1) Excluding opportunistic repo operations and CSA in the amount of CZK 0.6bn as at the end of 4Q 2023, CZK 0.5bn as at the end of 1Q 2024, CZK 0.6bn as at the end of 2Q 2024, CZK 0.2bn as at the end of 3Q 2024 and CZK 0.4bn as at the end of 4Q 2024. 35

COST OF FUNDS

Quarterly average cost of funding decreased from a peak of 3.6% to 2.4%, supporting improvement in net interest income and NIM

Notes: (1) Excluding opportunistic repo operations and CSA; (2) Wholesale includes Issued bonds, Subordinated liabilities and Due to banks balances and excludes opportunistic repo operations and CSA. ³⁶

CONTENT

• Macroeconomic Environment
• Operating Platform
• Profit and Loss Development
• Balance Sheet Development
• Liquidity Development
• Capital Management
• Risk Metrics & Asset Quality
• 2025 – 2029 Market Guidance
• Appendix

KEY LIQUIDITY RATIOS

Liquidity related ratios remained solid and strong

High-quality liquid assets constitute 38% of the balance sheet and are at the highest level since the IPO in 2016

High-quality liquid assets (CZK bn)

CONTENT

• Macroeconomic Environment
• Operating Platform
• Profit and Loss Development
• Balance Sheet Development
• Liquidity Development
• Capital Management
• Risk Metrics & Asset Quality
• 2025 – 2029 Market Guidance
• Appendix

Capital position remains solid and sufficient; in 2024, MONETA paid dividends of CZK 6.1 billion and will propose a 2024 dividend of CZK 5.1 billion

Note: (1) Including 100bps of management buffer; (2) Including 75bps of management buffer, which is covered by Tier 1 capital; (3) Proposed dividend is subject to corporate, regulatory and regulator's limitation and subject to shareholders' approval at the General Meeting to be held on 24 April 2025; (4) Excess capital over the management capital target of 16.1% as at 31 December 2023 and 15.05% as at 31 December 2024, 2023 excess capital does not include 2023 dividend in the amount of CZK 4.6bn (which was approved at the General Meeting on 23 April 2024 and paid on 21 May 2024); 2024 excess capital does not include 2024 accrued dividend of CZK 5.1bn; (5) Excess capital over Tier 1 management capital target of 13.20% as at 31 December 2023 and 12.23% as at 31 December 2024.

41

On a consolidated level, we maintain excess capital of CZK 5.5 billion on top of CZK 5.1 billion dividend accrual

Note: (1) Including 100bps of management buffer; (2) Excess capital and proposed dividend as at 31 December 2024 are subject to corporate, regulatory and regulator´s limitations; (3) Based on Article 473a of Regulation (EU) No. 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and amending Regulation (EU) No. 648/2012; (4) 88% of 2024 net profit. 42

On an individual basis, we maintained a strong MREL ratio, more than 5 percentage points above our target

CONTENT

• Macroeconomic Environment
• Operating Platform
• Profit and Loss Development
• Balance Sheet Development
• Liquidity Development
• Capital Management
• Risk Metrics & Asset Quality
• 2025 – 2029 Market Guidance
• Appendix

KEY RISK RATIOS

Cost of risk in line with expectations at 14bps; NPL ratio at a historically low level

COST OF RISK

Cost of risk in 2024 benefited from solid core portfolio performance supported by an improved macroeconomic environment and releases of overlays

• FY 2024 cost of risk at CZK 386 million or 14bps (FY 2023: CZK 305 million or 11bps), supported by a gain on NPL disposals of CZK 132 million (FY 2023: CZK 307 million).1

Note: (1) FY 2024: impact into the cost of risk line at CZK 127m and into other operating income line at CZK 5m; FY 2023: impact into the cost of risk line at CZK 304m and into other operating income line at CZK 3m. ⁴⁶

The drop in NPL portfolio and NPL coverage largely driven by significant NPL disposals in 4Q 2024

Note: (1) Management overlays on expected credit losses reflecting potential risks associated with an environment of high inflation and high interest rates; (2) NPLs include gross loan portfolio balance in Stage 3 and non-performing gross loan portfolio balance in Stage POCI.

47

In 2024, net NPL formation was positively impacted by good portfolio performance and successful NPL disposals, particularly in 4Q 2024

NPL balance and net formation (CZK m)

Note: NPL balance excluding loan loss provision. (1) Includes also repayment and classification upgrades of loans where the concessions were provided; (2) Write-off includes the unrecovered part of sold receivables. The recovered part obtained within the debt sale is included in Cured. ⁴⁸

Delinquency rates remained low and stable, supported by solid core performance and an efficient collection strategy

Share of past due exposures on total gross portfolio balance (%)

Note: 30+ delinquency represents due exposures in the range between 30 and 60 days past due, 60+ delinquency represents due exposures in the range between 60 and 90 days past due, 90+ delinquency represents due exposures more than 90 days past due, 2Q 2020 - 4Q 2024 data includes the Acquired entities.

CONTENT

• Macroeconomic Environment
• Operating Platform
• Profit and Loss Development
• Balance Sheet Development
• Liquidity Development
• Capital Management
• Risk Metrics & Asset Quality
• 2025 – 2029 Market Guidance
• Appendix

In the next five years we seek to deliver a minimum cumulative net profit of CZK 33.3 billion or CZK 65.1 per share

Metrics	2025	2026	2027	2028	2029	CAGR 2025-2029
Total operating income (CZK bn)	13.6	14.6	15.1	15.8	16.5	5.0%
Total operating expenses (CZK bn)	(5.9)	(6.1)	(6.2)	(6.4)	(6.6)	2.8%
Operating profit (CZK bn)	7.7	8.5	8.9	9.4	9.9	6.5%
Cost of risk (bps)	(15-35)	(25-45)	(25-45)	(25-45)	(25-45)	-
Effective tax rate1	15.5%	15.5%	15.5%	15.5%	15.5%	-
NET PROFIT (CZK bn)	6.0	6.3	6.6	7.0	7.4	5.4%
Earnings per share (CZK)	11.7	12.3	12.9	13.7	14.5	5.4%
Return on Tangible Equity	20%	20%	21%	21%	22%	-

Note: Please see pages 54, 55 and 78 of this presentation for limitations of forward-looking statements and their assumptions. (1) Assuming no changes in current tax regulation.

A cumulative net profit of CZK 33.3 billion in the next five years is by 46% higher compared to the past five years

2.6 4.0 5.2 5.2 5.8 6.0 6.3 6.6 7.0 7.4 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 CZK 22.8bn +46.2% CZK 33.3bn

2020 – 2029 Net profit¹ (CZK bn)

2020 – 2029 Operating income¹ (CZK bn)

Note: Guidance is subject to change based on actual financial results of the Group in the years 2025 to 2029 and corporate, regulatory and regulator's limitations. Please see pages 54, 55 and 78 of this presentation for limitations of forward-looking statements and their assumptions. (1) 2020 – 2024 represents final data, 2025 – 2029 represents guidance.

MONETA targets a 90% pay-out ratio from consolidated net profit in next five years, implying a cumulative dividend of CZK 58.6 per share

2020 – 2029 Dividend per share¹ (CZK)

Note: The dividend policy remains valid as long as MONETA operates with a capital adequacy ratio at least 100 basis points above the regulatory capital requirement and is subject to various other factors and conditions. The guidance is subject to change based on the actual financial results of the Group in the years 2025 to 2029, as well as corporate, regulatory, and Czech National Bank limitations. Please refer to pages 54, 55, and 78 of this presentation for the limitations and assumptions underlying forward-looking statements. (1) Dividends for 2020–2023 represent those already paid. For 2024, this includes CZK 3 as an extraordinary dividend paid on 17 December 2024, and CZK 10 as a proposed dividend, which remains subject to shareholder approval at the General Meeting scheduled for 24 April 2025. Dividends for 2025–2029 represent estimates and are subject to corporate, regulatory, and regulatory authority limitations, as well as approval by the relevant General Meeting.

Macroeconomic assumptions for medium-term guidance

	2025	2026	2027	2028	2029
GDP growth	2.4%	2.4%	2.4%	2.5%	2.5%
Unemployment	2.9%	3.0%	2.9%	2.8%	2.7%
Inflation	2.6%	2.2%	2.0%	2.0%	2.0%
2W repo rate (annual average)	3.3%	3.0%	3.0%	3.0%	3.0%
1M Pribor (annual average)	3.3%	3.1%	3.1%	3.1%	3.1%
CZK/EUR	25.4	25.5	25.4	25.4	25.4

Note: Please see also pages 55 and 78 for limitations of forward-looking statements and their assumptions. Source 2025-2026: GDP, unemployment and inflation rates based on the CNB Forecast issued in autumn 2024; 2W repo rate and 1M Pribor based on internal assumptions. 2027 – 2029: all data based on internal assumptions.

Projected loans and deposits growth

	2024	2025	2026	2027	2028	2029	CAGR 2024-2029
Gross performing loans development	275.9	288.3	298.6	314.8	334.8	354.7	5.2%
Retail	183.1	188.6	193.0	201.4	213.8	226.7	4.4%
Commercial	92.8	99.8	105.7	113.4	121.0	128.0	6.6%
Customer deposits development	429.8	435.0	445.9	458.0	474.1	490.8	2.7%
Retail	324.0	331.2	340.5	351.0	365.4	380.4	3.3%
Commercial	105.8	103.8	105.4	107.0	108.6	110.3	0.8%

Note: Please see also pages 54 and 78 for limitations of forward-looking statements and their assumptions.

CONTENT

• Macroeconomic Environment
• Operating Platform
• Profit and Loss Development
• Balance Sheet Development
• Liquidity Development
• Capital Management
• Risk Metrics & Asset Quality
• 2025 – 2029 Market Guidance
• Appendix

APPENDIX

Events with Investors

• Capital Requirements
• Distributed Dividends and Total Shareholder Return
• Deposit and Lending Market
• Financial Statements & Key Performance Ratios
• Glossary of Terms

REPORTING DATES AND INVESTOR MEETINGS

Calendar for 1H 2025

Annual General Meeting

24 April 2025

1Q 2025 Earnings

25 April 2025

APPENDIX

Events with Investors

Capital Requirements

• Distributed Dividends and Total Shareholder Return
• Deposit and Lending Market
• Financial Statements & Key Performance Ratios
• Glossary of Terms

2025 capital requirement will increase by 20bps due to the introduction of a systemic risk buffer of 50bps offset by a lower SREP requirement by 30bps

	31/12 2023	01/01 2024	30/06 2024	01/07 2024	01/01 2025
Pillar I – CRR requirement	8.0%	8.0%	8.0%	8.0%	8.0%
SREP requirement1 Pillar II –	2.6%	2.3%	2.3%	2.3%	2.0%
CRR capital conservation buffer	2.5%	2.5%	2.5%	2.5%	2.5%
CRR countercyclical buffer	2.0%	2.0%	1.75%	1.25%	1.25%
Systemic risk buffer	-	-	-	-	0.5%
Total requirement	15.1%	14.8%	14.55%	14.05%	14.25%
Management capital buffer	1.0%	1.0%	1.0%	1.0%	1.0%
MANAGEMENT TARGET	16.1%	15.8%	15.55%	15.05%	15.25%

Capital requirement on a consolidated basis				Capital requirement on an individual basis
	31/12 2023	01/01 2024	30/06 2024	01/07 2024	01/01 2025		31/12 2023	31/03 2024	30/06 2024	01/07 2024	01/01 2025
Pillar I – CRR requirement	8.0%	8.0%	8.0%	8.0%	8.0%	MREL – loss absorption amount	10.6%	10.3%	10.3%	10.3%	10.3%
SREP requirement1 Pillar II –	2.6%	2.3%	2.3%	2.3%	2.0%	MREL - recapitalisation amount	6.6%	6.9%	6.9%	6.9%	6.9%
CRR capital conservation buffer	2.5%	2.5%	2.5%	2.5%	2.5%	CRR capital conservation buffer	2.5%	2.5%	2.5%	2.5%	2.5%
CRR countercyclical buffer	2.0%	2.0%	1.75%	1.25%	1.25%	CRR countercyclical buffer	2.0%	2.0%	1.75%	1.25%	1.25%
Systemic risk buffer	-	-	-	-	0.5%	Systemic risk buffer	-	-	-	-	0.5%
Total requirement	15.1%	14.8%	14.55%	14.05%	14.25%	Total requirement	21.7%	21.7%	21.45%	20.95%	21.45%
Management capital buffer	1.0%	1.0%	1.0%	1.0%	1.0%	Management capital buffer	1.0%	1.0%	1.0%	1.0%	1.0%
MANAGEMENT TARGET	16.1%	15.8%	15.55%	15.05%	15.25%	MANAGEMENT TARGET	22.7%	22.7%	22.45%	21.95%	22.45%

Note: The CNB usually re-assesses the above SREP capital requirements annually. The CNB may also launch an ad-hoc extraordinary SREP process, for example, in case of a change of the Bank's consolidated unit. (1) Although Pillar II capital requirement was set only on a consolidated basis, its value is used with a delay in setting the MREL requirement on an individual basis.

APPENDIX

• Events with Investors
• Capital Requirements

Distributed Dividends and Total Shareholder Return

• Deposit and Lending Market
• Financial Statements & Key Performance Ratios
• Glossary of Terms

Between 2016 and 2024, we generated a cumulative net profit of CZK 39 billion with a pay-out ratio at 88%

4,054 3,923 4,200 4,019 2,601 3,984 5,187 5,200 5,808 5,008 4,088 3,143 1,686 1,533 3,577 4,088 4,599 1,533 Net profit 5,110 Dividend ^{2016 2017 2018 2019 2020 2021 2022 2023} Extraordinary dividend 2024E1 2016-2024E cumulative Pay-out ratio 124% 104% 75% 42%2 59% 90% 79% 88% n/a 88% 88% Dividend per share (CZK) 9.80 8.00 6.15 3.303 3.00 7.00 8.00 9.00 3.00 10.00 67.25 Share price – end of period (CZK) 82.80 82.40 72.50 85.00 68.00 93.75 76.00 93.60 122.44 123.80 n/a Dividend yield 11.8% 9.7% 8.5% 3.9% 4.4% 7.5% 10.5% 9.6% 2.5% 8.1% 74.7%5

Net profit and dividend distribution (CZK m)

Note: Dividend policy remains valid as long as MONETA operates at a capital adequacy ratio at a minimum of 100bps above the regulatory capital requirement and is subject to variety of other factors and conditions. (1) Subject to corporate, regulatory and regulator's limitations and approval of the Annual General Meeting; (2) In March 2020, the CNB instructed the banking sector to suspend their dividend policies. This recommendation stayed in place until 30 September 2021; (3) CZK 3.30 per share represents the interim dividend distributed on 17 December 2019; (4) Share price as at 25 November 2024 – the record date for the dividend; (5) Calculated as the ratio of cumulative dividend for the years 2016-2024 and an average share price during the same period. 62

MONETA delivered a total shareholder return of 48%, above European banks' average

Total shareholders return1 as at 31 December 2024 (%)

Source: Company information, Bloomberg as at 31 December 2024; Note: (1) Calculated as the sum of share price performance as at 31 December 2024 vs 31 December 2023 and reinvested dividends paid in 2024; (2) EuroStoxx incl. 42 banks from the SX7P STOXX Europe 600 Banks Index.

APPENDIX

• Events with Investors
• Capital Requirements
• Distributed Dividends and Total Shareholder Return

Deposit and Lending Market

• Financial Statements & Key Performance Ratios
• Glossary of Terms

CZECH DEPOSIT MARKET

In 2024, we focused our deposit strategy on repricing which resulted in below-the-market growth

Note: Source: Market: Czech National Bank ARAD; Deposits include building savings deposits and further deposits of residents only, i.e. excluding nonresidents, MONETA: Deposits include residents and non-residents including building savings deposits, excluding CSA and repo operations. ⁶⁵

2023 2024

CZECH LENDING MARKET

Overall, our lending growth was almost in line with the market and outperformed in the commercial segment

Source: Market: Czech National Bank ARAD; Market gross loans include building savings loans and further residents' loans only, i.e. excluding nonresidents; MONETA: gross loans include residents and non-residents including building savings loans, principal, interests and fees. ⁶⁶

2023 2024

APPENDIX

• Events with Investors
• Capital Requirements
• Distributed Dividends and Total Shareholder Return
• Deposit and Lending Market
• Financial Statements & Key Performance Ratios
• Glossary of Terms

Consolidated statement of financial position

CZK m	31/12/2024	31/12/20231	% Change
Cash and cash balances at central bank	13,541	10,871	24.6%
Derivative financial instruments with positive fair values	596	544	9.6%
Investment securities	116,664	104,353	11.8%
Hedging derivatives with positive fair values	2,314	2,701	(14.3)%
Change in fair value of items hedged on portfolio basis	200	122	63.9%
Loans and receivables to banks	79,206	69,632	13.7%
Loans and receivables to customers	275,383	263,064	4.7%
Intangible assets	3,365	3,332	1.0%
Property and equipment	2,260	2,400	(5.8)%
Investments in associates	3	3	0.0%
Current tax assets	70	76	(7.9)%
Deferred tax assets	0	0	n/a
Other assets	1,380	1,086	27.1%
TOTAL ASSETS	494,982	458,184	8.0%
Due to banks	3,834	5,423	(29.3)%
Due to customers	430,021	399,497	7.6%
Derivative financial instruments with negative fair values	532	523	1.7%
Hedging derivatives with negative fair values	4,259	4,548	(6.4)%
Change in fair value of items hedged on portfolio basis	78	63	23.8%
Issued bonds	11,562	3,808	203.6%
Subordinated liabilities	7,622	7,604	0.2%
Provisions	263	266	(1.1)%
Current tax liabilities	47	54	(13.0)%
Deferred tax liabilities	469	462	1.5%
Other liabilities	4,416	3,733	18.3%
Total Liabilities	463,103	425,981	8.7%
Share capital	10,220	10,220	0.0%
Statutory reserve	102	102	0.0%
Other reserves	1	1	0.0%
Retained earnings	21,556	21,880	(1.5)%
Total Equity	31,879	32,203	(1.0)%
TOTAL LIABILITIES & EQUITY	494,982	458,184	8.0%

Consolidated statement of financial position – quarterly development

CZK m	31/12/20221	31/03/2023	30/06/2023	30/09/2023	31/12/20231	31/03/2024	30/06/2024	30/09/2024	31/12/2024
Cash and cash balances at central bank	12,467	7,441	10,303	13,365	10,871	12,226	9,468	11,816	13,541
Derivative financial instruments with positive fair values	761	726	652	690	544	560	575	504	596
Investment securities	57,951	80,195	80,483	88,056	104,353	103,215	101,967	106,040	116,664
Hedging derivatives with positive fair values	4,942	4,345	3,731	3,991	2,701	2,681	2,669	2,011	2,314
Change in fair value of items hedged on portfolio basis	(2,090)	(1,597)	(1,147)	(989)	122	244	74	864	200
Loans and receivables to banks	37,886	40,638	55,109	68,120	69,632	75,327	90,581	89,755	79,206
Loans and receivables to customers	268,752	266,012	268,027	268,987	263,064	266,731	271,010	270,364	275,383
Intangible assets	3,379	3,324	3,280	3,252	3,332	3,323	3,285	3,287	3,365
Property and equipment	2,318	2,360	2,361	2,443	2,400	2,392	2,315	2,236	2,260
Investments in associates	3	4	4	2	3	3	4	2	3
Current tax assets	6	8	23	33	76	66	184	92	70
Deferred tax assets	0	0	0	0	0	8	8	7	0
Other assets	1,135	1,129	1,003	1,113	1,086	1,250	1,123	1,241	1,380
TOTAL ASSETS	387,510	404,585	423,829	449,063	458,184	468,026	483,263	488,219	494,982
Due to banks	5,953	5,439	7,707	7,379	5,423	6,441	6,427	3,740	3,834
Due to customers	334,251	350,329	368,177	393,012	399,497	405,920	426,073	421,621	430,021
Derivative financial instruments with negative fair values	747	719	631	674	523	516	528	467	532
Hedging derivatives with negative fair values	845	935	1,545	1,502	4,548	4,497	3,691	5,964	4,259
Change in fair value of items hedged on portfolio basis	(438)	(287)	(169)	(113)	63	81	66	135	78
Issued bonds	5,520	5,479	4,909	3,740	3,808	3,856	3,874	11,545	11,562
Subordinated liabilities	4,687	4,630	7,501	7,561	7,604	7,548	7,591	7,568	7,622
Provisions	306	250	238	308	266	263	260	266	263
Current tax liabilities	482	515	163	146	54	79	48	63	47
Deferred tax liabilities	496	476	408	418	462	357	394	418	469
Other liabilities	3,570	3,794	3,238	3,461	3,733	4,979	4,003	4,592	4,416
Total Liabilities	356,419	372,279	394,348	418,088	425,981	434,537	452,955	456,379	463,103
Share capital	10,220	10,220	10,220	10,220	10,220	10,220	10,220	10,220	10,220
Statutory reserve	102	102	102	102	102	102	102	102	102
Other reserves	1	1	1	1	1	1	1	1	1
Retained earnings	20,768	21,983	19,158	20,652	21,880	23,166	19,985	21,517	21,556
Total Equity	31,091	32,306	29,481	30,975	32,203	33,489	30,308	31,840	31,879
TOTAL LIABILITIES & EQUITY	387,510	404,585	423,829	449,063	458,184	468,026	483,263	488,219	494,982

FINANCIAL STATEMENTS

Consolidated statement of profit or loss and other comprehensive income

CZK m	2024	20231	% Change
Interest and similar income	22,207	22,046	0.7%
Interest expense and similar charges	(13,288)	(13,469)	(1.3%)
Net interest income	8,919	8,577	4.0%
Fee and commission income	3,725	3,217	15.8%
Fee and commission expense	(665)	(593)	12.1%
Net fee and commission income	3,060	2,624	16.6%
Dividend income	0	3	(100.0%)
Net income from financial operations	860	889	(3.3%)
Other operating income	72	54	33.3%
Total operating income	12,911	12,147	6.3%
Personnel expenses	(2,664)	(2,504)	6.4%
Administrative expenses	(1,552)	(1,633)	(5.0%)
Depreciation and amortisation	(1,225)	(1,233)	(0.6%)
Regulatory charges	(216)	(307)	(29.6%)
Other operating expenses	(65)	(53)	22.6%
Total operating expenses	(5,722)	(5,730)	(0.1%)
Profit for the period before tax and net impairment of financial assets	7,189	6,417	12.0%
Net impairment of financial assets	(386)	(305)	26.6%
Profit for the period before tax	6,803	6,112	11.3%
Taxes on income	(995)	(912)	9.1%
Profit for the period after tax	5,808	5,200	11.7%
Total comprehensive income attributable to the equity holders	5,808	5,200	11.7%

Consolidated statement of profit or loss and other comprehensive income - quarterly development

CZK m	4Q 2022	1Q 2023	2Q 2023	3Q 2023	4Q 2023	1Q 2024	2Q 2024	3Q 2024	4Q 2024
Interest and similar income	4,534	4,855	5,374	5,769	6,048	5,964	5,751	5,345	5,147
Interest expense and similar charges	(2,431)	(2,824)	(3,207)	(3,571)	(3,867)	(3,889)	(3,641)	(3,040)	(2,718)
Net interest income	2,103	2,031	2,167	2,198	2,181	2,075	2,110	2,305	2,429
Fee and commission income	753	760	799	836	822	881	917	919	1,008
Fee and commission expense	(59)	(144)	(136)	(154)	(159)	(141)	(165)	(165)	(194)
Net fee and commission income	694	616	663	682	663	740	752	754	814
Dividend income	1	1	0	1	1	0	0	0	0
Net income from financial operations	134	183	188	278	240	285	229	164	182
Other operating income	72	13	10	21	10	17	14	22	19
Total operating income	3,004	2,844	3,028	3,180	3,095	3,117	3,105	3,245	3,444
Personnel expenses	(674)	(578)	(595)	(593)	(738)	(620)	(625)	(632)	(787)
Administrative expenses	(429)	(365)	(415)	(367)	(486)	(330)	(405)	(380)	(437)
Depreciation and amortisation	(315)	(323)	(312)	(304)	(294)	(301)	(303)	(307)	(314)
Regulatory charges	0	(267)	(40)	0	0	(228)	12	0	0
Other operating expenses	(25)	(12)	(10)	(12)	(19)	(7)	(32)	(11)	(15)
Total operating expenses	(1,443)	(1,545)	(1,372)	(1,276)	(1,537)	(1,486)	(1,353)	(1,330)	(1,553)
Profit for the period before tax and net impairment of financial assets	1,561	1,299	1,656	1,904	1,558	1,631	1,752	1,915	1,891
Net impairment of financial assets	(216)	116	(146)	(142)	(133)	(135)	(102)	(114)	(35)
Profit for the period before tax	1,345	1,415	1,510	1,762	1,425	1,496	1,650	1,801	1,856
Taxes on income	(281)	(200)	(247)	(268)	(197)	(210)	(232)	(269)	(284)
Profit for the period after tax	1,064	1,215	1,263	1,494	1,228	1,286	1,418	1,532	1,572
Total comprehensive income attributable to the equity holders	1,064	1,215	1,263	1,494	1,228	1,286	1,418	1,532	1,572

Key performance ratios

Profitability	FY 2024	FY 2023	Change in pp
Yield (% avg net customer loans)	4.9%	4.7%	0.2
1 Cost of funds (% avg deposits and received loans)	2.99%	3.33%	(0.34)
Cost of funds on customer deposits (% avg deposits)	2.93%	3.30%	(0.37)
2,3,4 NIM (% avg int earning assets)	1.9%	2.1%	(0.2)
Cost of risk (% avg net customer loans)	0.14%	0.11%	0.03
Risk-adj. yield (% avg net customer loans)	4.8%	4.6%	0.2
Net fee & commission income / Operating income (%)	23.7%	21.6%	2.1
Net non-interest income / Operating income (%)	30.9%	29.4%	1.5
Cost to income ratio	44.3%	47.2%	(2.9)
RoTE	20.4%	18.0%	2.4
RoE	18.2%	16.1%	2.1
RoAA2	1.2%	1.2%	0.0
Liquidity / Leverage
Loan to deposit ratio	64.1%	65.9%	(1.8)
Total equity / Total assets	6.4%	7.0%	(0.6)
High-quality liquid assets / Customer deposits	43.5%	40.0%	3.5
Liquidity coverage ratio	357.2%	354.4%	2.8
Capital Adequacy
RWA density	35.0%	36.4%	(1.4)
Regulatory leverage	5.1%	5.7%	(0.6)
Total CAR (%)	18.2%	20.1%	(1.9)
Tier 1 ratio (%)	14.5%	15.7%	(1.2)
Asset Quality
Non-performing loan ratio (%)	1.3%	1.4%	(0.1)
Core non-performing loan coverage (%)	39.5%	47.9%	(8.4)
Total NPL coverage (%)	113.6%	121.6%	(8.0)
Loan to value ratio (%)5	53.4%	58.8%	(5.4)
Loan to value ratio on new volumes (%, weighted average)	56.9%	58.4%	(1.5)
Operating platform
Branch network	124	134	(7.5)%
ATMs6 Own & shared	1,966	1,971	(0.3)%
Total employees7	2,490	2,511	(0.8)%

Note: (1) Deposits include issued bonds and exclude opportunistic repo transactions and CSA; (2) Including opportunistic repo operations; (3) Interest earning assets include encumbered assets; (4) Hedging derivatives are excluded from the calculation of interest earning assets; (5) On performing retail mortgage loans only; (6) ATM network including MONETA ATMs, Komerční banka ATMs, Air Bank ATMs and UniCredit Bank ATMs; (7) Number of employees as of the last day of the reported period, excluding members of the Supervisory Board and the Audit Committee. Data restated due to change of methodology calculation.

Key performance ratios – quarterly development

Profitability	4Q 2022	1Q 2023	2Q 2023	3Q 2023	4Q 2023	1Q 2024	2Q 2024	3Q 2024	4Q 2024
Yield (% Avg Net Customer Loans)	4.4%	4.4%	4.6%	4.7%	4.9%	4.9%	4.9%	4.9%	4.9%
1 Cost of Funds (% Avg Deposits and Received Loans)	2.65%	2.94%	3.21%	3.42%	3.58%	3.60%	3.29%	2.70%	2.37%
Cost of Funds on Customer Deposits (% Avg Deposits)	2.63%	2.91%	3.19%	3.39%	3.55%	3.58%	3.24%	2.63%	2.25%
2,3,4 NIM (% Avg Int Earning Assets)	2.3%	2.1%	2.1%	2.1%	2.0%	1.8%	1.8%	1.9%	2.0%
Cost of Risk (% Avg Net Customer Loans)	0.32%	(0.17)%	0.22%	0.21%	0.20%	0.20%	0.15%	0.17%	0.05%
Risk-adj. Yield (% Avg Net Customer Loans)	4.1%	4.6%	4.4%	4.5%	4.7%	4.7%	4.8%	4.7%	4.8%
Net Fee & Commission Income / Operating Income (%)	23.1%	21.7%	21.9%	21.4%	21.4%	23.7%	24.2%	23.2%	23.6%
Net Non-Interest Income / Operating Income (%)	30.0%	28.6%	28.4%	30.9%	29.5%	33.4%	32.0%	29.0%	29.5%
Cost to Income Ratio	48.0%	54.3%	45.3%	40.1%	49.7%	47.7%	43.6%	41.0%	45.1%
RoTE	15.4%	16.8%	19.3%	21.6%	17.0%	17.1%	21.0%	21.5%	22.1%
RoE	13.7%	15.0%	17.1%	19.3%	15.3%	15.4%	18.7%	19.2%	19.7%
RoAA2	1.1%	1.2%	1.2%	1.4%	1.1%	1.1%	1.2%	1.3%	1.3%
Liquidity / Leverage
Loan to Deposit ratio	80.5%	76.0%	72.9%	68.5%	65.9%	65.8%	63.6%	64.2%	64.1%
Total Equity / Total Assets	8.0%	8.0%	7.0%	6.9%	7.0%	7.2%	6.3%	6.5%	6.4%
High-Quality Liquid Assets / Customer Deposits	25.7%	30.8%	32.7%	36.3%	40.0%	40.5%	41.9%	43.5%	43.5%
Liquidity Coverage Ratio	213.7%	273.9%	284.8%	312.1%	354.4%	359.5%	339.5%	340.1%	357.2%
Capital Adequacy
RWA density	43.4%	41.4%	39.9%	37.6%	36.4%	36.3%	35.4%	35.6%	35.0%
Regulatory leverage	6.7%	6.4%	6.1%	5.8%	5.7%	5.6%	5.4%	5.5%	5.1%
Total CAR (%)	18.0%	18.1%	19.7%	19.9%	20.1%	19.6%	19.4%	19.2%	18.2%
Tier 1 Ratio (%)	15.3%	15.4%	15.4%	15.5%	15.7%	15.4%	15.4%	15.3%	14.5%
Asset Quality
Non-Performing Loan Ratio (%)	1.4%	1.3%	1.3%	1.3%	1.4%	1.4%	1.4%	1.4%	1.3%
Core Non-Performing Loan Coverage (%)	53.4%	51.4%	49.7%	48.2%	47.9%	46.6%	47.2%	46.4%	39.5%
Total NPL Coverage (%)	134.8%	137.1%	133.4%	130.8%	121.6%	118.5%	116.1%	112.0%	113.6%
Loan to value ratio (%)5	60.4%	60.1%	59.8%	59.5%	58.8%	57.8%	57.5%	56.1%	53.4%
Loan to value ratio on new volumes (%, weighted average)	55.6%	59.3%	60.0%	57.2%	57.8%	59.5%	60.3%	56.0%	54.1%
Operating platform
Branch network	153	140	140	140	134	134	134	134	124
ATMs6 Own & shared	1,413	2,047	2,058	2,009	1,971	1,976	1,978	1,981	1,966
Total employees7	2,689	2,550	2,510	2,520	2,511	2,510	2,498	2,525	2,490

Note: (1) Deposits include issued bonds and exclude opportunistic repo operations and CSA. Data restated in 2Q 2024 and 3Q 2024; (2) Including opportunistic repo operations; (3) Interest earning assets include encumbered assets; (4) Hedging derivatives are excluded from the calculation of interest earning assets; (5) On performing retail mortgage loans only; (6) ATM network including MONETA ATMs, Komerční banka ATMs since 2Q'22, Air Bank ATMs and UniCredit Bank ATMs since 1Q'23; (7) Number of employees as of the last day of the reported period, excluding members of the Supervisory Board and the Audit Committee. Data restated due to change of methodology calculation.

73

APPENDIX

• Events with Investors
• Capital Requirements
• Distributed Dividends and Total Shareholder Return
• Deposit and Lending Market
• Financial Statements & Key Performance Ratios
• Glossary of Terms

GLOSSARY 1/3

Acquired entities	Means MONETA Stavební Spořitelna, a.s. (formerly Wüstenrot – stavební spořitelna, a.s.) and Wüstenrot hypoteční banka, a.s.	Cost of Funds on Customer Deposits	Interest expense and similar charges on customer deposits for the period divided by the
Acquisition	Means the purchase of the Acquired entities	(% Avg Deposits)	average balance of customer deposits
Annual premium equivalent	Annual premium equivalent is an equivalent of twelve months written premium on all contracts originated during the period.	CoR or cost of risk or cost of risk (%	Net impairment of financial assets divided by the average balance of net loans to customers since 2018 based on IFRS 9. If cost of risk is shown in CZK, then it corresponds to "Net
Annualised	Adjusted so as to reflect the relevant rate on the full-year basis	Avg Net Customer Loans)	impairment of financial assets"
ARAD	ARAD is a public database that is part of the information service of the Czech National Bank. It is a uniform system of presenting time series of aggregated data for individual statistics and financial market areas	Cost to income ratio (C/I)	Ratio (expressed as a percentage) of total operating expenses for the period to total operating income for the period
Auto	MONETA Auto, s.r.o.		Regulation (EU) No. 575/2013 of the European Parliament and of the Council of 26 June 2013 on
Average balance of net interest earning assets	Two-point average of the beginning and ending balances of Net Interest Earning Assets for the period	CRR	prudential requirements for credit institutions and investment firms and amending Regulation (EU) No. 648/2012, as amended
Average balance of net loans to customers	Average of the beginning and ending balances of Loans and receivables to customers for the period	CSA	Credit Support Annex is a legal document which regulates credit support (collateral) for derivative transactions
Average balance of total assets	Two-point average of the beginning and ending balances of Total Assets for the period	Customer deposits	Due to customers excluding repo operations, subordinated liabilities and CSA
Bank	MONETA Money Bank, a.s.
bn	Billions	CZSO	Czech Statistical Office
bps	Basis points	Drawn limit / Overdraft drawn	Loans and receivables to customer balance
Building savings/Building savings deposits	Saving product, typical for building savings banks. The Bank undertakes clients' deposits determined for housing financing. This act is supported by a financial contribution from the state.	ETR / Effective Tax Rate	Effective Tax Rate – calculated as taxes on income divided by profit for the period before tax
Building saving loans/Bridging loans	Building savings loan provided based on a building savings product. The bridging loan is exclusively in the area of building savings, tied only to housing needs. Bridging loans are used to bridge the period during which the conditions for negotiating a building savings loan are not met.		The impairment model that measures credit loss allowances using a three-stage approach based on the extent of credit deterioration of financial assets since origination; Stage 1 –
CAR / Capital Adequacy Ratio	Ratio calculated as regulatory capital as a percentage of risk-weighted assets	Expected credit loss model	financial assets with no significant increase in credit risk since initial recognition, Stage 2 - financial assets with significant increase in credit risk since initial recognition but not in default, Stage 3 – financial assets in default
CET1 ratio	CET 1 capital as a percentage of RWA (calculated pursuant to CRR)
CNB	Czech National Bank	FTE	Figure states full time equivalents in the last month of the quarter
Cost Base / OPEX	Total operating expenses	FVTOCI	Financial assets measured at Fair Value Through Other Comprehensive Income
Cost of Funds (% Avg Deposits)	Interest expense and similar charges for the period (excl. deposit interest rate swaps and opportunistic repo interest expenses) divided by the average balance of Due to banks, Due to customers and issued bonds and subordinated liabilities, excl. opportunistic repo operations and CSA	FVTPL	Financial assets measured at Fair Value Through Profit or Loss

GLOSSARY 2/3

Funding Base	Sum of Due to customers, Due to Banks, Issued Bonds and subordinated liabilities and excluding opportunistic repo operations and CSA	Net Non-Interest Income	Total operating income less net interest and similar income for the period
FY	Financial year	New volume / New production	Aggregate of loan principal disbursed in the period for non-revolving loans
GDP	Gross domestic product	New volume yield / New production yield	Instalment products: model output of yield expected to be generated on newly originated loans based on inputs combining actual contractual terms and expected behaviour of the loan for the specific type of the loan product. Revolving products (credit cards and working capital): weighted average of contractual rate on newly originated loans (credit limit)
Group	The Bank and its subsidiaries
Gross performing loans	Performing loans and receivables to customers as determined in accordance with the MONETA's loan receivables categorisation rules (Standard, Watch)	NPL / Non-performing loans	Non-performing loans as determined in accordance with the MONETA´s loan receivables categorisation rules (substandard, doubtful, loss), Stage 3 according to IFRS 9
Gross written premium	Gross written premium is the sum of all monthly premiums collected during the period	NPL Ratio	Ratio (expressed as a percentage) of NPL to gross loans and receivables to customers
IDD	Insurance Distribution Directive	NPL Coverage / Coverage / Total NPL Coverage	Ratio (expressed as a percentage) of loss allowances for loans and advances to customers to NPL
IFRS	International Financial Reporting Standards	Operating profit	Operating profit represents profit for the period before tax and Cost of Risk
Investment securities	Equity and debt securities in the Group´s portfolio, consist of securities measured at amortised cost, fair value through other comprehensive income (FVTOCI) and fair value through profit or	Opportunistic repo operations	Repo transactions with counterparties which are closed on a back-to-back basis by reverse repo transactions with the CNB
k/ths	loss (FVTPL) Thousands	POCI	POCI means purchased or originated financial asset(s) that are credit-impaired on initial recognition and indicates that a financial asset is credit-impaired when one or more events that have a detrimental impact on the estimated future cash flows of that financial asset have occurred
Leasing	MONETA Leasing, s.r.o.
Liquid Assets	Liquid assets comprise cash and balances with central banks, investment securities (not transferred as collateral in repurchase agreements), loans and receivables to banks	Portfolio yield	Please refer to the definition of yield
LCR/Liquidity Coverage Ratio	Liquidity Coverage Ratio measures the ratio (expressed as a percentage) of MONETA's buffer of high quality liquid assets to its projected net liquidity outflows over a 30-day stress period, as calculated in accordance with EU Regulation 2015/61	pp	Percentage points
		Q	Quarter
LtD ratio or Loan to Deposit ratio	Loan to deposit ratio calculated as net loans and receivables to customers divided by customer deposits, excluding subordinated liabilities, CSA and repos	QtD	Quarter-to-date
M / m	Millions	QtQ	Quarter-to-quarter
Management overlay	Increment to expected credit loss estimate which compensates insufficient sensitivity of core IFRS 9 model to specific macroeconomic conditions	RAOI	All interest and non-interest income generated by each lending product within the segment, minus Cost of Funds allocated to each lending product (by using average Group core Cost of Funds and leverage), minus cost of IR hedging allocated to each lending product and minus credit losses booked on each lending product for the period
MONETA	MONETA has the same meaning as the Group
MREL	Minimum Requirement of Own Funds and Eligible Liabilities	Regulatory Capital	Mainly consists of paid-up registered share capital, share premium, retained profits, disclosed reserves and reserves for general banking risks, which must be netted off against accumulated losses, certain deferred tax assets, certain intangible assets and treasury shares held by the Company (calculated pursuant to CRR)
MSS	MONETA Stavební Spořitelna, a.s. (formerly Wüstenrot – stavební spořitelna, a.s.)
Net Income/Net Profit	Profit for the period after tax	Regulatory Leverage	Relative size of an institution's assets, off-balance sheet obligations and contingent obligations to pay or to deliver or to provide collateral, including obligations from received funding, made
Net Interest Earning Assets	Cash and balances with the central bank, investment securities, loans and receivables to banks, loans and receivables to customers and prior to the transition to IFRS 9 also financial assets at fair value through profit or loss, financial assets available for sale, financial assets held to		commitments, derivates or repurchase agreements, but excluding obligations which can only be enforced during the liquidation of an institution, compared to that institution's own funds
	maturity	Return on Tangible Equity or RoTE	Return on tangible equity calculated as annualised profit after tax for the period divided by tangible equity
Net Interest Margin or NIM	Net interest and similar income divided by the average balance of net interest earning assets	Retail clients	Clients/individuals who have their product signed using their personal identification number

GLOSSARY 3/3

Retail unsecured instalment loans/ Consumer loans/Unsecured consumer loans	Non-purpose, unsecured and revolving loans to retail clients; including building savings and bridging loans	Stage 1, Stage 2, Stage 3	Stage 1 – financial assets with no significant increase in credit risk since initial recognition, Stage 2 - financial assets with significant increase in credit risk since initial recognition but not in default, Stage 3 – financial assets in default
Return on Average Assets or RoAA	Return on average assets calculated as annualised profit after tax for the period divided by the average balance of total assets	Supplementary housing loans	MSS portfolio – retail bridging loans and building savings loans.
Return on Equity or RoE	Return on equity calculated as annualised profit after tax for the period divided by total equity	Tangible Equity	Calculated as total equity less intangible assets and goodwill
RWA	Risk-Weighted Assets calculated pursuant to CRR	Tier 1 Capital	The aggregate of Common equity tier 1 (CET1 Capital) and Additional Tier 1 which mainly consists of capital instruments and other items (including certain unsecured subordinated debt instruments without a maturity date) provided in Art. 51 of CRR
RWA density	Calculates the weighted average risk weight for the entire banking and trading book (incl. Off balance & On-balance sheet) plus considering also Operational Risk, Market Risk and	Tier 1 Capital Ratio	Tier 1 Capital as a percentage of risk-weighted assets
RWA portfolio density	Counterparty Credit Risk RWA. It is defined as the Leverage Ratio to the Tier 1 Adequacy Ratio Calculates the weighted average risk weight of the loan portfolio only (incl. Off-balance & On balance sheet) considering credit conversion factor effects per unit of exposure (zero credit conversion factors are substituted by 10%). It is defined as the ratio of RWA to the Net Financing Receivables, i.e. utilising Specific Credit Risk Adjustments	Tier 2 Capital, T2	Regulatory Capital which consists of capital instruments, subordinated loans and other items (including certain unsecured subordinated debt obligations with payment restrictions) provided in Art. 62 of CRR
		Total Capital Ratio	Tier 1 Capital and Tier 2 Capital as a percentage of risk-weighted assets
Small Business clients	Clients or enterprises with an annual turnover of up to CZK 60 million	Total NPL Coverage	Ratio (expressed as a percentage) of individual and portfolio provisions for loans and receivables to total non-performing loans and receivables
Small Business loan portfolio	Loans and receivables of unsecured instalment loans, commercial credit cards and unsecured overdrafts provided to an enterprise with an annual turnover of up to CZK 60 million	Total Shareholder Return/TSR	Total Shareholder Return based on the Bloomberg methodology including reinvested dividend
Small Business (new) production	New volume of unsecured instalment loans and receivables to Small Business customers	Wealth management	Distributed wealth management products
		Y	Year
SME / SME clients	Clients or enterprises who have their product on an identification number with an annual turnover above CZK 60 million	Yield (% Avg. Net Customer Loans)	Interest and similar income from loans to customers divided by the average balance of net loans to customers
SREP	Supervisory Review and Evaluation Process, when the supervisor regularly assesses and measures the risks for each bank	YoY	Year-on-year
		YtD	Year to date

Disclaimer and other information

• THIS PRESENTATION IS NOT AN OFFER OR A SOLICITATION OF OFFERS TO SELL, PURCHASE OR SUBSCRIBE FOR SHARES OF MONETA MONEY BANK, A.S. (THE "COMPANY"), OTHER SECURITIES OR OTHER FINANCIAL INSTRUMENTS.
• Copies of this presentation may not be sent to countries, or distributed in or sent from countries, in which this is barred or prohibited by law. Persons into whose possession this presentation comes should inform themselves about and observe all such restrictions. Any failure to comply with these restrictions may constitute a violation of the laws of any such jurisdiction. This document does not constitute a recommendation regarding any securities.
• The Company is under no obligation to update or keep current the information contained in this presentation, to correct any inaccuracies which may become apparent, or to publicly announce the result of any revision to the statements made herein, except to the extent it would be required to do so under applicable law or regulation.
• Certain industry and market information in this presentation has been obtained by the Company from third-party sources. The Company has not independently verified such information and neither the Company nor any of its representatives provide any assurance as to and shall not be liable in any respect whatsoever (whether in negligence or otherwise) for the correctness, accuracy, fairness or completeness of such information or opinions contained in this presentation.
• The Company was rated A2 with a stable outlook by Moody's Deutschland GmbH ("Moody's"). Moody's was established in the European Union and is registered under Regulation (EC) No. 1060/2009, as amended (the "CRA Regulation"). As such, Moody's is included in the list of credit rating agencies published by the European Securities and Markets Authority on its website (https://www.esma.europa.eu/supervision/credit-rating-agencies/risk) in accordance with the CRA Regulation. When selecting the rating agency, the Company proceeded in accordance with the obligations laid down in Article 8d of the CRA Regulation.
• Figures in charts and tables may not add up due to rounding differences.

Forward-looking statements

• This presentation and subsequent discussion may contain projections, estimates, forecasts, targets, opinions, prospects, results, returns and forward-looking statements with respect to the management's medium-term guidance, profitability, costs, assets, capital position, financial condition, results of operations, dividend and business of the Group (together, "forward-looking statements"). The forward-looking statements assume purely organic growth without regard to any potential acquisition.
• Any forward-looking statements involve material assumptions and subjective judgements which may or may not prove to be correct and there can be no assurance that any of the matters set out in forward-looking statements will actually occur or will be realised or that such matters are complete or accurate. The assumptions may prove to be incorrect and involve known and unknown risks, uncertainties, contingencies and other important factors, many of which are outside the control of the Group. Actual achievements, results, performance or other future events or conditions may differ materially from those stated, implied and/or reflected in any forward-looking statements due to a variety of risks, uncertainties and other factors. Any forward-looking statement contained in this presentation is made as of the date of this presentation. MONETA Money Bank, a.s. does not assume, and hereby disclaims, any obligation or duty to update forward-looking statements if circumstances or management's assumptions, beliefs, expectations or opinions should change, unless it would be required to do so under applicable law or regulation. For these reasons, recipients should not place reliance on, and are cautioned about relying on, any forward-looking statements.

Material assumptions for forward-looking statements

• See slide "Material assumptions for medium-term guidance" on pages 54 and 55.

INVESTOR RELATIONS

Contacts

Linda Kavanová Jarmila Valentová Dana Laštovková

MONETA Money Bank, a.s. BB Centrum, Vyskočilova 1442/1b 140 28 Praha 4 – Michle Tel: +420 224 442 549 investors@moneta.cz www.moneta.cz Identification number: 25672720

Bloomberg: MONET CP ISIN: CZ0008040318

Reuters: MONET.PR SEDOL: BD3CQ16

www.moneta.cz