Moneta Money Bank A.S.

Investor Presentation • Jul 25, 2024

1H 2024 Results

Published on 25 July 2024 at 07:00 CET According to IFRS, Consolidated, Unaudited

MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION

1H 2024 KEY HIGHLIGHTS

(in CZK)

• Operating income of CZK 6.2 billion (+6.0%) supported by stabilised net interest income and growth in net fee and commission income (+16.7%).
• Net profit of CZK 2.7 billion (+9.1%) in line with expectations and on track to meet or potentially exceed a full-year minimum profitability target of CZK 5.2 billion.
• Total assets reached CZK 483 billion (+14.0%), driven by the growth of the funding base (+15.0%) and returning to selective growth in the loan portfolio (+1.1%).

Operating	Net	Return on
income	profit	Tangible Equity
6.2	2.7	20.0
bn	bn	%
+6.0%	+9.1%	+1.1pp
Total	Funding	Net loan
assets	base	portfolio
483	443	271
bn	bn	bn
+14.0%	+15.0%	+1.1%

CONTENT

➢ Macroeconomic Environment

• ➢ Operating Platform
• ➢ Profit and Loss Development
• ➢ Balance Sheet Development
• ➢ Liquidity Development
• ➢ Capital Management
• ➢ Risk Metrics & Asset Quality
• ➢ 2024 – 2028 Market Guidance
• ➢ Appendix

Czech economy grew by 0.3%; unemployment remains stable; state budget deficit at CZK 179 billion as of June 2024

Note: (1) Source: GDP at constant prices of 2020 based on Czech Statistical Office (CZSO); GDP at current prices – 1Q 2023: CZK 1,879bn, 2Q 2023: CZK 1,908bn, 3Q 2023: CZK 1,913bn, 4Q 2023: CZK 1,926bn, 1Q 2024: CZK 1,959bn; GDP Y/Y % change: 1Q 2023 – 1Q 2024 actuals based on the CZSO seasonally adjusted and FY 2024 CNB forecast; (2) Euro area data: www.ec.europa.eu/eurostat as of 22 July 2024; (3) ILO methodology, 2024F based on the CNB forecast issued in May 2024; (4) Source: www.mfcr.cz.

4

Inflation on a rapidly descending trajectory; the key rate decreased to 4.75%, and the swap market indicates rate stabilisation

Contribution to inflation by item¹

	Dec'2023 % contribution	Jun'2024 % contribution	Jun'2024 Y/Y price change %
Food and beverages	0.4	(0.4)	(1.3)
Clothing and footwear	0.2	0.1	2.9
Housing, energy	4.7	0.8	3.0
Health	0.2	0.1	3.8
Transport, telecommunication	0.1	0.5	3.4
Recreation, culture, education	0.5	0.2	3.7
Restaurants and hotels	0.5	0.5	7.5
Other	0.3	0.2	2.9
Total	6.9	2.0	2.0

3.4% 1D 1W 2W 1M 2M 3M 6M 9M 12M 2Y 3Y 4Y 5Y 6Y 7Y 8Y 9Y 10Y 12Y 15Y 20Y 30Y

5

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.

The narrowing of the interest rate differential weakens CZK against major currencies

CZECH DEPOSIT MARKET

MONETA continued to successfully attract deposits during both the past twelve months and 2Q 2024

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.

2023 2024

Market lending growth slowed down; MONETA renewed its lending activities during 1H 2024 in both segments

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.

2023 2024

CONTENT

• ➢ Macroeconomic Environment
• ➢ Operating Platform
• ➢ Profit and Loss Development
• ➢ Balance Sheet Development
• ➢ Liquidity Development
• ➢ Capital Management
• ➢ Risk Metrics & Asset Quality
• ➢ 2024 – 2028 Market Guidance
• ➢ Appendix

MONETA 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.

Digital platform users1	Branch network	Contact centre - FTE
1.47m	134	199
+9.8%	(4.3)%	(3.4)%
Total number of employees	Own & shared ATM network	Total number of clients
2,498	1,978	1.6 m
(0.5)%	(3.9)%	+2.8%

DIGITAL PLATFORM

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 the presence on social media platforms.

Average daily visits1	Payment transactions	Servicing transactions
683 ths	35.97 m	11.19 m
+14.1%	+15.0%	+25.5%
Sales	Loan	Digital platform
transactions	applications	users1
0.34 m	172 ths	1.47 m
+4.9%	+33.9%	+9.8%

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

USAGE OF DIGITAL PLATFORM

Mobile banking users and transactions are continuing to grow rapidly; mobile platform has become the predominant sales and service channel

Note: Mobile = Smart Banka application. (1) Includes payment, servicing and sales transactions. ¹²

Our digital channels complement and increasingly enable product distribution, even for relatively complex products

Sold units in 1H 2024 (YtD)

Note: (1) Including commercial credit cards; (2) Number of transactions. ¹³

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

Branch visits1	Number of staff at branches2,3	Cash transactions 391 ths (22.2)%
851 ths (14.2)%	1,108 (2.2)%
Number of branches2	Loan applications	Number of unique client visits
134	255 ths	396 ths
(4.3)%	+18.4%	(10.4)%

Note: Visits, cash transactions and loan applications during 1H 2024. All numbers in units. The percentage represents the year-on-year change. (1) Cash and non-cash visits; (2) As of 30 June 2024; (3) Includes retail, SME and small business bankers.

RETAIL 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

15

Note: (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 clients served out of total incoming calls; (5) Abandon rate = % of missed calls out of total incoming calls; (6) Lifetime income estimate of all insurance units sold.

CONTENT

• ➢ Macroeconomic Environment
• ➢ Operating Platform
• ➢ Profit and Loss Development
• ➢ Balance Sheet Development
• ➢ Liquidity Development
• ➢ Capital Management
• ➢ Risk Metrics & Asset Quality
• ➢ 2024 – 2028 Market Guidance
• ➢ Appendix

Net profit of CZK 2.7 billion, driven by 6% growth in operating income and by 3% lower cost base; cost of risk remains benign at 18bps

PROFIT AND LOSS (CZK m, YtD)	1H 2023	1H 2024	CHANGE
Net interest income	4,198	4,185	(0.3)%
Net fee and commission income	1,279	1,492	16.7%
Other income	395	545	38.0%
OPERATING INCOME	5,872	6,222	6.0%
Operating expenses	(2,917)	(2,839)	(2.7)%
OPERATING PROFIT	2,955	3,383	14.5%
Cost of risk	(30)	(237)	>100%
PROFIT BEFORE TAX	2,925	3,146	7.6%
Income tax	(447)	(442)	(1.1)%
NET PROFIT	2,478	2,704	9.1%
Earnings per share	4.8	5.3	9.1%
Return on Tangible Equity	18.9%	20.0%	1.1pp
Effective tax rate	15.3%	14.0%	(1.3)pp

Net interest income stabilisation driven by balance sheet expansion offsetting temporary NIM erosion; NIM of 1.8% in 1H 2024 (1H 2023: 2.1%)

Net fee and commission income growth driven mainly by strong distribution of wealth management products (up by CZK 187 million).

Other income growth driven by derivatives revaluation, stable FX margin and extraordinary gain on a minor bond sale in 1Q 2024.

Cost base decreased 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 45.6%, adjusted¹ cost to income ratio at 43.9%.

Cost of risk of CZK 237 million or 18bps in line with provided guidance 10-30bps.

Note: (1) Contribution to regulatory charges of CZK 216 million equally spread into four quarters of 2024. ¹⁷

NII positively impacted by the repricing of both loans and deposits, accompanied by a declining margin on incremental deposits and hedging derivatives

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

Distribution of wealth management products drives the growth of commission income

Cross-selling of wealth management products has yielded a significant income increase during 1H 2024

Focus on insurance product distribution supports material contribution to overall net fee and commission income

Gain from bond sale, revaluation of derivatives and stable FX margin contributed to financial operations performance

Net income from financial operations (CZK m) 104 344 351 59 26 1H 2023 1H 2024 371 514 +38.6% Other FX margin Bond sale

• Bond sale: +CZK 59 million year-on-year gain accomplished through successful minor disposal from investment portfolio (one-off gain).
• Stable FX margin: improving margin on FX conversions of +CZK 16 million year-on-year, declining result from branch-based FX cash operations of CZK (9) million year-on-year.
• Other results: +CZK 78 million year-on-year, including hedging derivatives, funding FX swap and balance sheet revaluation to functional currency.

The cost base decrease of 2.7% primarily driven by lower regulatory charges, partially offset by wage inflation

CONTENT

• ➢ Macroeconomic Environment ➢ Operating Platform
• ➢ Profit and Loss Development
• ➢ Balance Sheet Development
• ➢ Liquidity Development
• ➢ Capital Management
• ➢ Risk Metrics & Asset Quality
• ➢ 2024 – 2028 Market Guidance
• ➢ Appendix

Lending returned to growth; continued deposit growth due to competitive rates, deposit repricing reflected in lower cost of funding

The balance sheet expanded to CZK 483 billion, driven by retail deposit growth placed at a positive spread with the CNB

Notes: (1) Including reverse repo operations with the CNB; (2) Including CSA from Due to customers in the amount of CZK 373m at the end of 2Q 2023, CZK 398m at the end of 3Q 2023, CZK 270m at the end of 4Q 2023, CZK 253m at the end of 1Q 2024 and CZK 253m at the end of 2Q 2024.

Loan portfolio stabilised and returned to growth in nearly all categories during the first semester of 2024

Gross performing loan portfolio (CZK bn)

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

Return to growth results from strong lending activity across both segments and product categories

1H 2023

1H 2024

Loan portfolio produces stable yield, slightly impacted by decreasing results from hedging derivatives due to short-term interest rate changes

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.

Although deposit rates decreased, overall funding base increased by CZK 28 billion or 6.6% since the beginning of this year

Customer deposits and wholesale funding¹ (CZK bn)

Notes: (1) Excludes opportunistic repo operations and CSA (CZK 2.9bn at the end of 2Q'23, CZK 2.9bn at the end of 3Q'23, CZK 0.8bn at the end of 4Q'23, CZK 0.7bn at the end of 1Q'24 and CZK 0.9bn at the end of 2Q'24); wholesale funding includes Issued bonds, Subordinated liabilities and Due to banks balances.

Our cost of customer deposits considerably decreased during the 2Q 2024, and it is expected to further decline

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

COST OF FUNDS

Lower cost of funding mainly driven by reduced rates paid on savings products, where headline rate decreased from 5.3% to 4.1%

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.

CONTENT

• ➢ Macroeconomic Environment
• ➢ Operating Platform
• ➢ Profit and Loss Development
• ➢ Balance Sheet Development
• ➢ Liquidity Development
• ➢ Capital Management
• ➢ Risk Metrics & Asset Quality
• ➢ 2024 – 2028 Market Guidance

➢ Appendix

KEY LIQUIDITY RATIOS

Strong liquidity position maintained in 1H 2024, accompanied by stable and solid ratios

Expanding liquid assets contribute to NII generation capacity, however at a decreasing spread

High-quality liquid assets (CZK bn)

Approximately 30% of the loan book will be repriced or repaid during the upcoming 12 months

Gross performing loan portfolio as of 30 June 2024 (CZK bn)

Additionally, 2/3 of all deposits are repriceable within 90 days, subject to market competition and other considerations

Customer deposit maturity and repricing profile as of 30 June 2024 (CZK bn)

37 Notes: Figures in tables represent cumulative values. (1) Excluding CZK 134.9bn of deposit balances, namely current and savings accounts bearing low interest rate and thus offering limited capacity for repricing down, building savings which are either before the end of the binding period or bear low interest rate and term deposits with maturity over 12 months.

CONTENT

• ➢ Macroeconomic Environment
• ➢ Operating Platform
• ➢ Profit and Loss Development
• ➢ Balance Sheet Development
• ➢ Liquidity Development
• ➢ Capital Management
• ➢ Risk Metrics & Asset Quality
• ➢ 2024 – 2028 Market Guidance
• ➢ Appendix

MONETA continues to command a strong capital position enabling dividend accrual at 90% of current earnings

Note: (1) Including 100bps of management buffer; (2) Including 75bps of management buffer, which is covered by Tier 1 capital; (3) Accrued dividend as of 30 June 2024 is subject to corporate, regulatory and regulator´s limitations; (4) Excess capital over Tier 1 management capital target, 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); excess capital and accrued dividend as of 30 June 2024 are subject to corporate, regulatory and regulator´s limitations.

39

Currently, we carry dividend accrual of CZK 2.4 billion and have additional excess capital of CZK 4.5 billion; in total, CZK 6.9 billion

Note: (1) Including 75bps of management buffer, which is covered by Tier 1 capital; (2) Excess capital and accrued dividend as of 30 June 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) 90% of 1H 2024 net profit.

40

MONETA enjoys stable and comfortable MREL position accompanied by slightly decreasing RWA density

CONTENT

• ➢ Macroeconomic Environment
• ➢ Operating Platform
• ➢ Profit and Loss Development
• ➢ Balance Sheet Development
• ➢ Liquidity Development
• ➢ Capital Management
• ➢ Risk Metrics & Asset Quality
• ➢ 2024 – 2028 Market Guidance
• ➢ Appendix

NPL ratio maintained at a very low level; gradual release of management overlays supports the cost of risk and reduces coverage

COST OF RISK

Continued good repayment performance of the credit portfolio, accompanied by NPL disposals, enabled the stable cost of risk

• 1H 2024 cost of risk at CZK 237m or 18 bps (1H 2023: CZK 30m or 2bps), supported by a gain on NPL disposals of CZK 43 million (1H 2023: CZK 251 million).¹

Note: Figures in the chart may not add up due to rounding differences.

(1) 1H 2024: impact into the cost of risk line at CZK 42m and into other operating income line at CZK 1m; 1H 2023: impact into the cost of risk line at CZK 249m and into other operating income line at CZK 2m.

Robust loan loss provision coverage maintained; NPL ratio remained low and stable throughout the year

Note: (1) Management overlays on expected credit losses; (2) NPLs include gross loan portfolio balance in Stage 3 and non-performing gross loan portfolio balance in Stage POCI. 45

Net NPL formation remains at a relatively low level and in line with the overall portfolio size

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.

Delinquency rates remained low, 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 90 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 - 2Q 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
• ➢ 2024 – 2028 Market Guidance
• ➢ Appendix

Branch office: Jilemnice

A cumulative net profit of CZK 27.7 billion in the next five years is by 32% higher compared to the past five years

2019 – 2028 Net profit¹ (CZK bn)

Note: Guidance is subject to change based on actual financial results of the Group in the years 2024 to 2028 and corporate, regulatory and regulator's limitations. Please see pages 51, 52 and 79 of this presentation for limitations of forward-looking statements and their assumptions. (1) 2019 – 2023 represents final data, and 2024 – 2028 represents guidance published on 2 February 2024.

MONETA remains committed to its guidance of cumulative net profit of CZK 27.7 billion, or CZK 54.2 per share, over the next five years

Guidance as published on 2 February 2024

Metrics	2024	2025	2026	2027	2028	CAGR 2024-2028
Total operating income (CZK bn)	≥12.4	≥12.8	≥13.5	≥14.0	≥14.5	4.0%
Total operating expenses (CZK bn)	≤5.8	≤5.9	≤6.0	≤6.2	≤6.3	2.1%
Operating profit (CZK bn)	≥6.6	≥6.9	≥7.5	≥7.8	≥8.2	5.6%
Cost of risk (bps)	10-30	15-35	25-45	25-45	25-45	n/a
Effective tax rate1	~14.0%	~15.0%	~15.0%	~15.0%	~15.0%	n/a
NET PROFIT (CZK bn)	≥5.2	≥5.3	≥5.5	≥5.7	≥6.0	3.6%
Earnings per share (CZK)	≥10.2	≥10.4	≥10.8	≥11.2	≥11.7	3.6%
Return on Tangible Equity	≥17.0%	≥17.0%	≥17.0%	≥17.0%	≥17.0%	n/a

Note: Please see pages 51, 52 and 79 of this presentation for limitations of forward-looking statements and their assumptions. (1) Assuming no changes in current tax regulation.

Macroeconomic assumptions for medium-term guidance

Assumptions for medium-term guidance published on 2 February 2024 – macroeconomic environment outlook

	2024	2025	2026	2027	2028
GDP growth	1.2%	2.8%	2.8%	2.7%	2.5%
Unemployment	3.0%	3.0%	2.9%	2.7%	2.5%
Inflation	2.6%	2.1%	2.0%	2.0%	2.0%
2W repo rate (annual average)	5.2%	3.3%	3.0%	3.0%	3.0%
1M Pribor (annual average)	5.4%	3.4%	3.1%	3.1%	3.1%
CZK/EUR	24.6	24.1	24.0	24.0	24.0

Note: Please see also pages 52 and 79 for limitations of forward-looking statements and their assumptions. Source 2024-2025: GDP, unemployment and inflation rates based on the CNB Forecast issued in autumn 2023; 2W repo rate and 1M Pribor based on internal assumptions. 2026 – 2028: all data based on internal assumptions.

Projected loans and deposits growth

Assumptions for medium-term guidance published on 2 February 2024 – loans and deposits projection (CZK bn)

	2023	2024	2025	2026	2027	2028	CAGR 2023-2028
Gross performing loans development	263.9	266.4	272.2	278.9	293.8	311.9	3.4%
Retail	179.5	178.8	180.9	183.2	192.1	206.1	2.8%
Commercial	84.4	87.5	91.3	95.7	101.7	105.9	4.6%
Customer deposits development	399.2	415.3	431.5	454.9	476.7	499.4	4.6%
Retail	313.2	321.3	333.9	353.7	372.1	391.1	4.5%
Commercial	86.1	94.0	97.6	101.1	104.7	108.3	4.7%

Note: Please see also pages 51 and 79 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
• ➢ 2024 – 2028 Market Guidance
• ➢ Appendix

APPENDIX

➢ Events with Investors

• ➢ Capital Requirements
• ➢ Distributed Dividends and Total Shareholder Return
• ➢ Gross Performing Loan Portfolio Development
• ➢ Funding Base Development
• ➢ Financial Statements & Key Performance Ratios
• ➢ Glossary of Terms

Calendar for 2H 2024

Erste Finest CEElection Investor Conference Vienna

8 October 2024

3Q 2024 Earnings

24 October 2024

APPENDIX

➢ Events with Investors

➢ Capital Requirements

• ➢ Distributed Dividends and Total Shareholder Return
• ➢ Gross Performing Loan Portfolio Development
• ➢ Funding Base Development
• ➢ Financial Statements & Key Performance Ratios
• ➢ Glossary of Terms

Capital requirements are expected to remain unchanged despite the implementation of a systemic risk buffer by the CNB by the end of this year

31/12 2023	01/01 2024	30/06 2024	01/07 2024	01/01 2025
8.0%	8.0%	8.0%	8.0%	8.0%
2.6%	2.3%	2.3%	2.3%	2.3%
2.5%	2.5%	2.5%	2.5%	2.5%
2.0%	2.0%	1.75%	1.25%	1.25%
-	-	-	-	0.5%
15.1%	14.8%	14.55%	14.05%	14.55%
1.0%	1.0%	1.0%	1.0%	1.0%
16.1%	15.8%	15.55%	15.05%	15.55%

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
8.0%	8.0%	8.0%	8.0%	8.0%	MREL – loss absorption amount	10.6%	10.3%	10.3%	10.3%	10.3%
2.6%	2.3%	2.3%	2.3%	2.3%	MREL - recapitalisation amount	6.6%	6.9%	6.9%	6.9%	6.9%
2.5%	2.5%	2.5%	2.5%	2.5%	CRR capital conservation buffer	2.5%	2.5%	2.5%	2.5%	2.5%
2.0%	2.0%	1.75%	1.25%	1.25%	CRR countercyclical buffer	2.0%	2.0%	1.75%	1.25%	1.25%
-	-	-	-	0.5%	Systemic risk buffer	-	-	-	-	0.5%
15.1%	14.8%	14.55%	14.05%	14.55%	Total requirement	21.7%	21.7%	21.45%	20.95%	21.45%
1.0%	1.0%	1.0%	1.0%	1.0%	Management capital buffer	1.0%	1.0%	1.0%	1.0%	1.0%
16.1%						22.7%	22.7%			22.45%
						MANAGEMENT TARGET 15.8% 15.55% 15.05% 15.55%				22.45% 21.95%

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

• ➢ Gross Performing Loan Portfolio Development
• ➢ Funding Base Development
• ➢ Financial Statements & Key Performance Ratios
• ➢ Glossary of Terms

Between 2016 and 2023, we generated a cumulative net profit of CZK 33.2 billion with a pay-out ratio at 84%

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) In March 2020, the CNB instructed the banking sector to suspend their dividend policies. This recommendation stayed in place until 30 September 2021; (2) CZK 3.30 per share represents the interim dividend distributed on 17 December 2019; (3) Calculated as the ratio of cumulative dividend for the years 2016-2023 and an average share price during the same period.

59

MONETA delivered a total shareholder return of 62%, above average European banks

Total shareholders return¹ as of 30 June 2024 (%)

Source: Company information, Bloomberg as of 30 June 2024; Note: (1) Calculated as the sum of share price performance as of 30 June 2024 vs 31 December 2022 and reinvested dividends paid in 2023 and 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
• ➢ Gross Performing Loan Portfolio Development
• ➢ Funding Base Development
• ➢ Financial Statements & Key Performance Ratios
• ➢ Glossary of Terms

Decline in retail loan book due to lower demand during 2023; renewed credit demand visible during 1H 2024

Notes: (1) Loan to value ratio on performing mortgage portfolio at 57.5% as of 30 June 2024; (2) Consumer loan portfolio includes also supplementary housing loans, which represent 21% of the balance as at the end of 2Q'24.

Growth in the commercial portfolio across all product categories

Notes: (1) Commercial loan portfolio includes leasing portfolio in the amount of CZK 2.8bn as at the end of 2Q'23, CZK 2.5bn as at the end of 3Q'23, CZK 2.2bn as at the end of 4Q'23, CZK 1.9bn as at the end of 1Q'24 and CZK 1.6bn as at the end of 2Q'24; (2) Investment loan portfolio includes supplementary housing loans; (3) Includes gross performing receivables and undrawn working capital limits.

APPENDIX

• ➢ Events with Investors
• ➢ Capital Requirements
• ➢ Distributed Dividends and Total Shareholder Return
• ➢ Gross Performing Loan Portfolio Development

➢ Funding Base Development

• ➢ Financial Statements & Key Performance Ratios
• ➢ Glossary of Terms

Retail deposit growth continued in 2Q 2024 mainly through savings and term deposit accounts

The commercial segment recorded deposit growth across all categories

Notes: (1) Including building savings accounts. ⁶⁶

Wholesale funding complements the overall funding base and remained broadly stable year-on-year

Notes: (1) Excluding opportunistic repo operations and CSA in the amount of CZK 2.5bn as at the end of 2Q'23, CZK 2.5bn as at the end of 3Q'23, CZK 0.6bn as at the end of 4Q'23, CZK 0.5bn as at the end of 1Q'24 and CZK 0.6bn as at the end of 2Q'24. ⁶⁷

APPENDIX

• ➢ Events with Investors
• ➢ Capital Requirements
• ➢ Distributed Dividends and Total Shareholder Return
• ➢ Gross Performing Loan Portfolio Development
• ➢ Funding Base Development
• ➢ Financial Statements & Key Performance Ratios
• ➢ Glossary of Terms

Consolidated statement of financial position

CZK m	30/06/2024	1 31/12/2023	% Change
Cash and balances with the central bank	9,468	10,871	(12.9)%
Derivative financial instruments with positive fair values	575	544	5.7%
Investment securities	101,967	104,353	(2.3)%
Hedging derivatives with positive fair values	2,669	2,701	(1.2)%
Change in fair value of items hedged on portfolio basis	74	122	(39.3)%
Loans and receivables to banks	90,581	69,632	30.1%
Loans and receivables to customers	271,010	263,064	3.0%
Intangible assets	3,285	3,332	(1.4)%
Property and equipment	2,315	2,400	(3.5)%
Investments in associates	4	3	33.3%
Current tax assets	184	76	142.1%
Deferred tax assets	8	0	n/a
Other assets	1,123	1,086	3.4%
TOTAL ASSETS	483,263	458,184	5.5%
Due to banks	6,427	5,423	18.5%
Due to customers	426,073	399,497	6.7%
Derivative financial instruments with negative fair values	528	523	1.0%
Hedging derivatives with negative fair values	3,691	4,548	(18.8)%
Change in fair value of items hedged on portfolio basis	66	63	4.8%
Issued bonds	3,874	3,808	1.7%
Subordinated liabilities	7,591	7,604	(0.2)%
Provisions	260	266	(2.3)%
Current tax liabilities	48	54	(11.1)%
Deferred tax liabilities	394	462	(14.7)%
Other liabilities	4,003	3,733	7.2%
Total Liabilities	452,955	425,981	6.3%
Share capital	10,220	10,220	0.0%
Statutory reserve	102	102	0.0%
Other reserves	1	1	0.0%
Retained earnings	19,985	21,880	(8.7)%
Total Equity	30,308	32,203	(5.9)%
TOTAL LIABILITIES & EQUITY	483,263	458,184	5.5%

Consolidated statement of financial position – quarterly development

CZK m	30/06/2022	30/09/2022	31/12/20221	31/03/2023	30/06/2023	30/09/2023	31/12/20231	31/03/2024	30/06/2024
Cash and balances with the central bank	12,080	10,035	12,467	7,441	10,303	13,365	10,871	12,226	9,468
Derivative financial instruments with positive fair values	749	768	761	726	652	690	544	560	575
Investment securities	52,639	53,808	57,951	80,195	80,483	88,056	104,353	103,215	101,967
Hedging derivatives with positive fair values	5,333	5,380	4,942	4,345	3,731	3,991	2,701	2,681	2,669
Change in fair value of items hedged on portfolio basis	(2,576)	(2,484)	(2,090)	(1,597)	(1,147)	(989)	122	244	74
Loans and receivables to banks	26,372	28,495	37,886	40,638	55,109	68,120	69,632	75,327	90,581
Loans and receivables to customers	265,860	268,766	268,752	266,012	268,027	268,987	263,064	266,731	271,010
Intangible assets	3,313	3,315	3,379	3,324	3,280	3,252	3,332	3,323	3,285
Property and equipment	2,416	2,297	2,318	2,360	2,361	2,443	2,400	2,392	2,315
Investments in associates	4	2	3	4	4	2	3	3	4
Current tax assets	9	14	6	8	23	33	76	66	184
Deferred tax assets	0	0	0	0	0	0	0	8	8
Other assets	896	940	1,135	1,129	1,003	1,113	1,086	1,250	1,123
TOTAL ASSETS	367,095	371,336	387,510	404,585	423,829	449,063	458,184	468,026	483,263
Due to banks	21,117	6,569	5,953	5,439	7,707	7,379	5,423	6,441	6,427
Due to customers	302,199	320,610	334,251	350,329	368,177	393,012	399,497	405,920	426,073
Derivative financial instruments with negative fair values	752	747	747	719	631	674	523	516	528
Hedging derivatives with negative fair values	931	934	845	935	1,545	1,502	4,548	4,497	3,691
Change in fair value of items hedged on portfolio basis	(749)	(595)	(438)	(287)	(169)	(113)	63	81	66
Issued bonds	4,729	4,096	5,520	5,479	4,909	3,740	3,808	3,856	3,874
Subordinated liabilities	4,669	4,645	4,687	4,630	7,501	7,561	7,604	7,548	7,591
Provisions	256	267	306	250	238	308	266	263	260
Current tax liabilities	398	490	482	515	163	146	54	79	48
Deferred tax liabilities	369	406	496	476	408	418	462	357	394
Other liabilities	3,648	3,140	3,570	3,794	3,238	3,461	3,733	4,979	4,003
Total Liabilities	338,319	341,309	356,419	372,279	394,348	418,088	425,981	434,537	452,955
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	18,453	19,704	20,768	21,983	19,158	20,652	21,880	23,166	19,985
Total Equity	28,776	30,027	31,091	32,306	29,481	30,975	32,203	33,489	30,308
TOTAL LIABILITIES & EQUITY	367,095	371,336	387,510	404,585	423,829	449,063	458,184	468,026	483,263

FINANCIAL STATEMENTS

Consolidated statement of profit or loss and other comprehensive income

CZK m	1H 2024 YtD	1H 2023 YtD	% Change
Interest and similar income	11,715	10,229	14.5%
Interest expense and similar charges	(7,530)	(6,031)	24.9%
Net interest income	4,185	4,198	(0.3%)
Fee and commission income	1,798	1,559	15.3%
Fee and commission expense	(306)	(280)	9.3%
Net fee and commission income	1,492	1,279	16.7%
Dividend income	0	1	(100.0%)
Net income from financial operations	514	371	38.5%
Other operating income	31	23	34.8%
Total operating income	6,222	5,872	6.0%
Personnel expenses	(1,245)	(1,173)	6.1%
Administrative expenses	(735)	(780)	(5.8%)
Depreciation and amortisation	(604)	(635)	(4.9%)
Regulatory charges	(216)	(307)	(29.6%)
Other operating expenses	(39)	(22)	77.3%
Total operating expenses	(2,839)	(2,917)	(2.7%)
Profit for the period before tax and net impairment of financial assets	3,383	2,955	14.5%
Net impairment of financial assets	(237)	(30)	690.0%
Profit for the period before tax	3,146	2,925	7.6%
Taxes on income	(442)	(447)	(1.1%)
Profit for the period after tax	2,704	2,478	9.1%
Total comprehensive income attributable to the equity holders	2,704	2,478	9.1%

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

CZK m	2Q 2022	3Q 2022	4Q 2022	1Q 2023	2Q 2023	3Q 2023	4Q 2023	1Q 2024	2Q 2024
Interest and similar income	3,704	4,002	4,534	4,855	5,374	5,769	6,048	5,964	5,751
Interest expense and similar charges	(1,246)	(1,675)	(2,431)	(2,824)	(3,207)	(3,571)	(3,867)	(3,889)	(3,641)
Net interest income	2,458	2,327	2,103	2,031	2,167	2,198	2,181	2,075	2,110
Fee and commission income	667	675	753	760	799	836	822	881	917
Fee and commission expense	(122)	(132)	(59)	(144)	(136)	(154)	(159)	(141)	(165)
Net fee and commission income	545	543	694	616	663	682	663	740	752
Dividend income	1	1	1	1	0	1	1	0	0
Net income from financial operations	14	139	134	183	188	278	240	285	229
Other operating income	48	12	72	13	10	21	10	17	14
Total operating income	3,066	3,022	3,004	2,844	3,028	3,180	3,095	3,117	3,105
Personnel expenses	(611)	(657)	(674)	(578)	(595)	(593)	(738)	(620)	(625)
Administrative expenses	(325)	(378)	(429)	(365)	(415)	(367)	(486)	(330)	(405)
Depreciation and amortisation	(311)	(311)	(315)	(323)	(312)	(304)	(294)	(301)	(303)
Regulatory charges	(11)	0	0	(267)	(40)	0	0	(228)	12
Other operating expenses	(17)	(10)	(25)	(12)	(10)	(12)	(19)	(7)	(32)
Total operating expenses	(1,275)	(1,356)	(1,443)	(1,545)	(1,372)	(1,276)	(1,537)	(1,486)	(1,353)
Profit for the period before tax and net impairment of financial assets	1,791	1,666	1,561	1,299	1,656	1,904	1,558	1,631	1,752
Net impairment of financial assets	155	(124)	(216)	116	(146)	(142)	(133)	(135)	(102)
Profit for the period before tax	1,946	1,542	1,345	1,415	1,510	1,762	1,425	1,496	1,650
Taxes on income	(364)	(291)	(281)	(200)	(247)	(268)	(197)	(210)	(232)
Profit for the period after tax	1,582	1,251	1,064	1,215	1,263	1,494	1,228	1,286	1,418
Total comprehensive income attributable to the equity holders	1,582	1,251	1,064	1,215	1,263	1,494	1,228	1,286	1,418

Key performance ratios

Profitability	1H 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)	3.42%	3.33%	0.09
Cost of funds on customer deposits (% avg deposits)	3.38%	3.30%	0.08
2,3,4 NIM (% avg int earning assets)	1.8%	2.1%	(0.3)
Cost of risk (% avg net customer loans)	0.18%	0.11%	0.07
Risk-adj. yield (% avg net customer loans)	4.7%	4.6%	0.1
Net fee & commission income / Operating income (%)	24.0%	21.6%	2.4
Net non-interest income / Operating income (%)	32.7%	29.4%	3.3
Cost to income ratio	45.6%	47.2%	(1.6)
RoTE	20.0%	18.0%	2.0
RoE	17.8%	16.1%	1.7
RoAA2	1.1%	1.2%	(0.1)
Liquidity / Leverage
Loan to deposit ratio	63.6%	65.9%	(2.3)
Total equity / Total assets	6.3%	7.0%	(0.7)
High-quality liquid assets / Customer deposits	41.9%	40.0%	1.9
Liquidity coverage ratio	339.5%	354.4%	(14.9)
Capital Adequacy
RWA density	35.4%	36.4%	(1.0)
Regulatory leverage	5.4%	5.7%	(0.3)
Total CAR (%)	19.4%	20.1%	(0.7)
Tier 1 ratio (%)	15.4%	15.7%	(0.3)
Asset Quality
Non-performing loan ratio (%)	1.4%	1.4%	0.0
Core non-performing loan coverage (%)	47.2%	47.9%	(0.7)
Total NPL coverage (%)	116.1%	121.6%	(5.5)
Loan to value ratio (%)5	57.5%	58.8%	(1.3)
Loan to value ratio on new volumes (%, weighted average)	59.9%	58.4%	1.5
Operating platform
Branch network	134	134	0.0%
ATMs6 Own & shared	1,978	1,971	0.4%
Total employees7	2,498	2,511	(0.5)%

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, Komercni banka ATMs, AirBank 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	2Q 2022	3Q 2022	4Q 2022	1Q 2023	2Q 2023	3Q 2023	4Q 2023	1Q 2024	2Q 2024
Yield (% Avg Net Customer Loans)	4.1%	4.3%	4.4%	4.4%	4.6%	4.7%	4.9%	4.9%	4.9%
1 Cost of Funds (% Avg Deposits and Received Loans)	1.23%	1.81%	2.65%	2.94%	3.21%	3.42%	3.58%	3.60%	3.31%
Cost of Funds on Customer Deposits (% Avg Deposits)	1.18%	1.76%	2.63%	2.91%	3.19%	3.39%	3.55%	3.58%	3.24%
2,3,4 NIM (% Avg Int Earning Assets)	2.7%	2.6%	2.3%	2.1%	2.1%	2.1%	2.0%	1.8%	1.8%
Cost of Risk (% Avg Net Customer Loans)	(0.24)%	0.19%	0.32%	(0.17)%	0.22%	0.21%	0.20%	0.20%	0.15%
Risk-adj. Yield (% Avg Net Customer Loans)	4.3%	4.1%	4.1%	4.6%	4.4%	4.5%	4.7%	4.7%	4.8%
Net Fee & Commission Income / Operating Income (%)	17.8%	18.0%	23.1%	21.7%	21.9%	21.4%	21.4%	23.7%	24.2%
Net Non-Interest Income / Operating Income (%)	19.8%	23.0%	30.0%	28.6%	28.4%	30.9%	29.5%	33.4%	32.0%
Cost to Income Ratio	41.6%	44.9%	48.0%	54.3%	45.3%	40.1%	49.7%	47.7%	43.6%
RoTE	24.9%	18.7%	15.4%	16.8%	19.3%	21.6%	17.0%	17.1%	21.0%
RoE	22.0%	16.7%	13.7%	15.0%	17.1%	19.3%	15.3%	15.4%	18.7%
RoAA2	1.7%	1.4%	1.1%	1.2%	1.2%	1.4%	1.1%	1.1%	1.2%
Liquidity / Leverage
Loan to Deposit ratio	89.7%	84.0%	80.5%	76.0%	72.9%	68.5%	65.9%	65.8%	63.6%
Total Equity / Total Assets	7.8%	8.1%	8.0%	8.0%	7.0%	6.9%	7.0%	7.2%	6.3%
High-Quality Liquid Assets / Customer Deposits	18.4%	22.1%	25.7%	30.8%	32.7%	36.3%	40.0%	40.5%	41.9%
Liquidity Coverage Ratio	149.3%	197.7%	213.7%	273.9%	284.8%	312.1%	354.4%	359.5%	339.5%
Capital Adequacy
RWA density	45.6%	45.4%	43.4%	41.4%	39.9%	37.6%	36.4%	36.3%	35.4%
Regulatory leverage	6.4%	6.5%	6.7%	6.4%	6.1%	5.8%	5.7%	5.6%	5.4%
Total CAR (%)	16.8%	17.0%	18.0%	18.1%	19.7%	19.9%	20.1%	19.6%	19.4%
Tier 1 Ratio (%)	14.1%	14.3%	15.3%	15.4%	15.4%	15.5%	15.7%	15.4%	15.4%
Asset Quality
Non-Performing Loan Ratio (%)	1.4%	1.4%	1.4%	1.3%	1.3%	1.3%	1.4%	1.4%	1.4%
Core Non-Performing Loan Coverage (%)	56.8%	56.8%	53.4%	51.4%	49.7%	48.2%	47.9%	46.6%	47.2%
Total NPL Coverage (%)	133.8%	137.3%	134.8%	137.1%	133.4%	130.8%	121.6%	118.5%	116.1%
Loan to value ratio (%)5	61.5%	61.0%	60.4%	60.1%	59.8%	59.5%	58.8%	57.8%	57.5%
Loan to value ratio on new volumes (%, weighted average)	56.3%	61.2%	55.6%	59.3%	60.0%	57.2%	57.8%	59.5%	60.3%
Operating platform
Branch network	154	154	153	140	140	140	134	134	134
ATMs6 Own & shared	1,421	1,415	1,413	2,047	2,058	2,009	1,971	1,976	1,978
Total employees7	2,876	2,794	2,689	2,550	2,510	2,520	2,511	2,510	2,498

Note: (1) Deposits include issued bonds and exclude opportunistic repo operations 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, Komercni banka ATMs since 2Q'22, AirBank 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.

74

APPENDIX

• ➢ Events with Investors
• ➢ Capital Requirements
• ➢ Distributed Dividends and Total Shareholder Return
• ➢ Gross Performing Loan Portfolio Development
• ➢ Funding Base Development
• ➢ 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) / Cost of Funds	average balance of customer deposits
AFS	Available for sale	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 impairment of financial assets"
Annualised	Adjusted so as to reflect the relevant rate on the full-year basis	Avg Net Customer Loans)
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 prudential requirements for credit institutions and investment firms and amending Regulation (EU) No. 648/2012, as amended
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
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.	CZK	Czech Koruna
BB forecast	Bloomberg forecast
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.	ESG	Environmental, Social and Corporate Governance
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.	ETR / Effective Tax Rate	Effective Tax Rate – calculated as taxes on income divided by profit for the period before tax
CAR / Capital Adequacy Ratio	Ratio calculated as regulatory capital as a percentage of risk-weighted assets		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 –
CET1 ratio	CET 1 capital as a percentage of RWA (calculated pursuant to CRR)	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,
CNB	Czech National Bank		Stage 3 – financial assets in default
Cost Base / OPEX	Total operating expenses	FTE	Figure states full time equivalents in the last month of the quarter
	Interest expense and similar charges for the period (excl. deposit interest rate swaps and	FVTOCI	Financial assets measured at Fair Value Through Other Comprehensive Income
opportunistic repo interest expenses) divided by the average balance of Due to banks, Due to Cost of Funds (% Avg Deposits) 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	MREL	Minimum Requirement of Own Funds and Eligible Liabilities
	opportunistic repo operations and CSA	MSS	MONETA Stavební Spořitelna, a.s. (formerly Wüstenrot – stavební spořitelna, a.s.)
FY	Financial year	Net Income/Net Profit	Profit for the period after tax
GDP	Gross domestic product		Cash and balances with the central bank, investment securities, loans and receivables to banks,
Group	The Bank and its subsidiaries	Net Interest Earning Assets	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 maturity
Gross performing loans	Performing loans and receivables to customers as determined in accordance with the MONETA's loan receivables categorisation rules (Standard, Watch)	Net Interest Margin or NIM	Net interest and similar income divided by the average balance of net interest earning assets
IFRS	International Financial Reporting Standards	Net Non-Interest Income	Total operating income less net interest and similar income for the period
	All interest and non-interest income generated by each lending product within the segment,	New volume / New production	Aggregate of loan principal disbursed in the period for non-revolving loans
Incremental ROE	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 (=RAOI), divided by average equity allocated to each lending product by using leverage (=Equity)	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)
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
	loss (FVTPL)	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
Issued securities	Issued bonds and Subordinated liabilities	NPL Ratio	Ratio (expressed as a percentage) of NPL to gross loans and receivables to customers
k/ths	Thousands	NPL Coverage / Coverage / Total NPL Coverage	Ratio (expressed as a percentage) of loss allowances for loans and advances to customers to NPL
Leasing	MONETA Leasing, s.r.o.	Online Origination	Represents new volume originated from online applications and leads (client with contact details)
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	Operating profit	Operating profit represents profit for the period before tax and Cost of Risk
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	Operational liquidity	Includes unencumbered bond portfolio and the CNB bills at market value, MONETA's and MSS clearing accounts at the CNB, foreign exchange nostro accounts, interbank deposits, cash and cash in transit
LtD ratio or Loan to Deposit ratio	Loan to deposit ratio calculated as net loans and receivables to customers divided by customer	Opportunistic repo operations	Repo transactions with counterparties which are closed on a back-to-back basis by reverse repo transactions with the CNB
M / m	deposits, excluding subordinated liabilities, CSA and repos Millions	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
Management overlay	Increment to expected credit loss estimate which compensates insufficient sensitivity of core IFRS 9 model to specific macroeconomic conditions	Portfolio yield	occurred Please refer to the definition of yield
Market share – consumer loans	Consumer loans = Non-purposed and purposed consumer loans, debt consolidations, additional loans and American mortgages. Source: the CNB ARAD, MMB in IFRS unconsolidated according to the CNB definitions, gross loans excluding non-residents and loans in foreign currency, the CNB annualised average	pp	Percentage points
		Q	Quarter
		QtD	Quarter-to-date
	weighted rate	QtQ	Quarter-to-quarter
Market interest rates	Based on the CNB ARAD	RAOI	All interest and non-interest income generated by each lending product within the segment,
MPSV	Ministry of Labour and Social Affairs		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
MONETA	MONETA has the same meaning as the Group		credit losses booked on each lending product for the period

GLOSSARY 3/3

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)	Small Business (new) production	New volume of unsecured instalment loans and receivables to Small Business customers
		SME / SME clients	Clients or enterprises who have their product on an identification number with an annual turnover above CZK 60 million
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 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	SREP	Supervisory Review and Evaluation Process, when the supervisor regularly assesses and measures the risks for each bank
		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 Tangible Equity or RoTE	Return on tangible equity calculated as annualised profit after tax for the period divided by tangible equity	Supplementary housing loans	MSS portfolio – retail bridging loans and building savings loans.
Retail clients	Clients/individuals who have their product signed using their personal identification number	Tangible Equity	Calculated as total equity less intangible assets and goodwill
			The aggregate of Common equity tier 1 (CET1 Capital) and Additional Tier 1 which mainly
Retail unsecured instalment loans/ Consumer loans/Unsecured consumer loans	Non-purpose, unsecured and revolving loans to retail clients; including building savings and bridging loans	Tier 1 Capital	consists of capital instruments and other items (including certain unsecured subordinated debt instruments without a maturity date) provided in Art. 51 of CRR
		Tier 1 Capital Ratio	Tier 1 Capital as a percentage of risk-weighted assets
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	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
Return on Equity or RoE	Return on equity calculated as annualised profit after tax for the period divided by total equity		in Art. 62 of CRR
RWA	Risk-Weighted Assets calculated pursuant to CRR	Total Capital Ratio	Tier 1 Capital and Tier 2 Capital as a percentage of risk-weighted assets
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 Counterparty Credit Risk RWA. It is defined as the Leverage Ratio to the Tier 1 Adequacy Ratio	Total NPL Coverage	Ratio (expressed as a percentage) of individual and portfolio provisions for loans and receivables to total non-performing loans and receivables
		Total Shareholder Return/TSR	Total Shareholder Return based on the Bloomberg methodology including reinvested dividend
RWA portfolio density	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	Wealth management	Distributed wealth management products
		Y	Year
Small Business clients	Clients or enterprises with an annual turnover of up to 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
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	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 51 and 52.

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