Moneta Money Bank A.S.

Investor Presentation • Apr 25, 2024

1Q 2024 Results

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

MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION

1Q 2024 KEY HIGHLIGHTS

(in CZK)

• • Operating income of CZK 3.1 billion (+9.6%) supported by growth in both net interest income (+2.2%) and net fee and commission income (+20.1%).
• • Net profit of CZK 1.3 billion (+5.8%) in line with expectations and remains on track to deliver a full-year minimum target of CZK 5.2 billion.
• • Total assets reached CZK 468 billion (+15.7%),driven predominantly by the growth of funding base (+16.8%), with notable slowdown during 1Q 2024.

Note: Percentage change represents movement compared to 1Q 2023.

ANNUAL GENERAL MEETING SUMMARY

Shareholders approved all proposals at the Annual General Meeting held on 23 April 2024

01 Dividend distribution of CZK 9 per share (record date 29 April 2024 and due date 21 May 2024)

02 Annual Consolidated Financial Statements of MONETA Money Bank, a.s. as of 31 December 2023

03 Annual Separate Financial Statements of MONETA Money Bank, a.s. as of 31 December 2023

• 04 Appointment of Deloitte Audit s.r.o as the external auditor for 2024
• 05 Amendment to the Articles of Association to increase the number of members of the Management Board from 5 members to 6 members
• 06 2023 Remuneration Report; 2023 Reports of the Management Board, of the Supervisory Board and of the Audit Committee
• 07Remuneration Policy

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

MACROECONOMIC ENVIRONMENT

Czech economy is expected to grow by 1.2%, unemployment remains stable and CZK 252 billion state budget deficit was approved

Note: (1) Source: GDP at fixed prices of 2015 based on the Ministry of Finance (www.mfcr.cz); 1Q 2024 estimate; GDP at current prices – 1Q 2023: CZK 1,817bn, 2Q 2023: CZK 1,840bn, 3Q 2023: CZK 1,842bn, 4Q 2023: CZK 1,852bn; GDP Y/Y % change: 1Q 2023 – 4Q 2023 actuals based on the CZSO seasonally adjusted and 1Q 2024 and FY 2024 estimate; (2) GDP at current prices, source: Czech Republic data source: www.mfcr.cz, Euro area data: www.ec.europa.eu/eurostat; (3) ILO methodology, 2024F based on the CNB forecast issued in February 2024; (4) Source: www.mfcr.cz.

MACROECONOMIC ENVIRONMENT

Inflation on rapidly descending trajectory, the key rate decreased to 5.75% and swap market indicates rate stabilisation

	'20 % De 23 c	'20 24 % Ma r	/ '20 24 ric Ma Y Y p r e
	bu i tio ntr co n	bu i tio ntr co n	ha % c nge
d a d bev Foo n era ge s	0.4	( ) 0.7	( ) 2.6
lot hin d foo C tw g a n ea r	0.2	0.2	5.3
Ho usi ng, en erg y	4.7	0.9	2.9
lt h He a	0.2	0.1	4.7
Tra lec nic ati ort te nsp om mu on ,	0.1	0.5	3.3
ltu du Re ati ion cat cre on , cu re, e	0.5	0.3	4.3
d ho ls Re sta nts te ura an	0.5	0.5	8.3
he Ot r	0.3	0.2	2.8
l To ta	6.9	2.0	2.0

6

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 indicationfrom1 yearand longermaturity.

Contribution to inflation by item1

MACROECONOMIC ENVIRONMENT

CZK appears to be losing ground against major currencies due to the decline in the interest rate differential

CZECH DEPOSIT MARKET

MONETA more than doubled overall deposit market growth, mainly in the retail segment

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

8

CZECH LENDING MARKET

Market lending growth slowed down; MONETA renewed its lending activities during 1Q 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.

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

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

USAGE OF DIGITAL PLATFORM

Digital platform users continued to grow predominantly in mobile banking accompanied by strong growth in the number and share of transactions

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

The digital channel is a key enabler for product sales and services and an important complement to the branch network

Sold unitsin 1Q 2024

Note: Visits, cash transactions, payment transactions and loan applications during 1Q 2024. All numbers in units. The percentage represents the year-on-year change. (1) Includes transactions via branch and ATM; (2) Cash and non-cash visits; (3) As of 31 March 2024 (4) Includes retail, SME and small business bankers.

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 1.3 billion, supported by strong growth in operating income and lower cost base, cost of risk in line with expectations

( ) P R O F I T A N D L O S S C Z K m	1 Q 2 0 2 3	1 Q 2 0 2 4	C H A N G E
Ne int inc t st ere om e	2, 0 3 1	2, 0 7 5	2. 2 %
fee d c iss ion inc Ne t an om m om e	6 1 6	7 4 0	2 0. 1 %
he Ot inc r om e	1 9 7	3 0 2	5 3. 3 %
O P E R A T I N G I N C O M E	2, 8 4 4	3, 1 1 7	9. 6 %
Op ing t era ex p en se s	( ) 1, 5 4 5	( ) 1, 4 8 6	( ) % 3. 8
O P E R A T I N G P R O F I T	1, 2 9 9	1, 6 3 1	2 5. 6 %
f r is k Co st o	1 1 6	( ) 1 3 5	/ n a
P R O F I T B E F O R E T A X	1, 4 1 5	1, 4 9 6	5. 7 %
Inc e t om ax	( ) 2 0 0	( ) 2 1 0	5. 0 %
N E T P R O F I T	1, 2 1 5	1, 2 8 6	5. 8 %
ing ha Ea rn s p er s re	2. 4	2. 5	5. 8 %
i b le ity Re tu Ta Eq rn on ng u	1 6. 8 %	1 7. 1 %	0. 3p p
f fec ive E t ta ate x r	1 4. 1 %	1 4. 0 %	( ) 0. 1 p p

Net interest income growth driven by excess liquidity placed at a positive margin and loan repricing; NIM of 1.8% in 1Q 2024 (1Q 2023: 2.1%) impacted by postponed deposit repricing.

Net fee and commission income growth supported by strong distribution of insurance and asset management products.

Other income growth driven by positive impact from FX swaps and extraordinary gain on a marginal disposal of investment portfolio.

Cost base decreased due to lower contribution to regulatory funds (down by 14.6%) and lower administrative expenses partially offset by higher personnel expenses. Cost to income ratio at 47.7%, adjusted1 cost to income ratio at 42.2%.

Cost of risk with net charge of CZK 135 million or 20bpsin line with provided guidance.

Note: (1) Contribution to regulatory charges of CZK 228 million equally spread into four quarters of 2024. NET INTEREST INCOME DRIVERS

Net interest income supported by continued positive, albeit decreasing margin on incremental deposits and strong impact of loan repricing

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

Distribution of third-party products drives growth in net fee and commission income, mainly through the distribution of investment fund products

THIRD-PARTY COMMISSION INCOME

Asset management portfolio expanded by 45%, while asset management revenues increased by 101%; insurance distribution commissions up 14%

OPERATING EXPENSES

The cost base decrease of 3.8% primarily driven by lower regulatory and administrative costs, partially offset by wage inflation

Note: Regulatory charges include mandatory contributions to Deposit Insurance, Resolution and Recovery and Guarantee Funds.

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: Louny

KEY BALANCE SHEET METRICS

Stable lending with increasing yield; continued deposits growth due to the competitive rate translates into higher funding costs

BALANCE SHEET PROFILE AND DEVELOPMENT

The balance sheet expanded to CZK 468 billion, driven by strong deposit growth concentrated in the retail segment

Notes: (1) Including reverse repo operations with the CNB; (2) Including CSA from Due to customers in the amount of CZK 424m in 1Q 2023, CZK 373m in 2Q 2023, CZK 398m in 3Q 2023, CZK 270m in 4Q 2023 and CZK 253m in 1Q 2024.

GROSS PERFORMING LOAN PORTFOLIO

Lending portfolio returned to growth in 1Q 2024

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

Renewed demand for credit is particularly evident in the retail segment, through both secured and unsecured newvolume growth

LOAN PORTFOLIO YIELD EVOLUTION

Portfolio yield on loan book increased year-on-year in both retail and commercial segments and stabilised in 1Q 2024

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.

FUNDING BASE

Deposits gathering delivered CZK 61 billion of incremental funding and contributed to net interest income growth

Notes: (1) Excludes opportunistic repo operations and CSA (CZK 3.6bn in 1Q'23, CZK 2.9bn in 2Q'23, CZK 2.9bn in 3Q'23, CZK 0.8bn in 4Q'23 and CZK 0.7bn in 1Q'24); wholesale funding includes Issued bonds, Subordinated liabilities and Due to banks balances.

COST OF FUNDS

The cost of funding has stabilised in both retail and commercial segments, wholesale funding impacted by subordinated deposit (MREL)

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

Liquidity position strengthened, 1Q development reflects slower growth in deposit base and faster pace of lending

HIGH-QUALITY LIQUID ASSETS DEVELOPMENT

High-quality liquid assets increased by 52% and showed stable development during 1Q 2024

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 31 March 2024(CZK bn)

Approximately 62% of deposits can be repriced, subject to market conditions, within three months

Customer deposit maturity and repricing profile as of 31 March 2024(CZK bn)

Notes: Figures in tables represent cumulative values. (1) Excluding CZK 127.8bn 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 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

Branch

office: Chomutov

KEY CAPITAL RATIOS – CONSOLIDATED BASIS

The current capital position enables MONETA to pay a 2023 dividend of CZK 4.6 billion and to continue in 90% dividend accrual from 1Q net profit

Tier 1 management capital target, 2024 excess capital does not include 2023 accrued dividend in the amount of CZK 4.6bn (which was approved at General meeting on 23 April 2024 and will be paid on 21 May 2024) and accrued dividend of CZK 1.2bn from 1Q 2024 net profit; excess capital and accrued dividend as of 31 March 2024 are subject to corporate, regulatory and regulator´s limitations.

Changing regulatory capital requirements have lowered the "management target" ratios on both consolidated and individual levels

Capital requirement on a consolidated basis

	3 be 1 De ce m r 2 0 2 3	1 Ja nu ar y 2 0 2 4	3 h 1 M ar c 2 0 2 4	i l 1 Ap r 2 0 2 4
i l lar ire P I – C R R r t eq me n u	% 8. 0	% 8. 0	% 8. 0	% 8. 0
1 l lar P i I I – S R E P r ire t eq u me n	2. 6 %	2. 3 %	2. 3 %	2. 3 %
f fe C i l c ion bu R R c ta t ap on se rva r	2. % 5	2. % 5	2. % 5	2. % 5
l l bu f fe C R R c ica te ou n rcy c r	% 2. 0	% 2. 0	% 2. 0	% 1. 7 5
l re ire To ta t q u me n	1 5. 1 %	1 4. 8 %	1 4. 8 %	1 4. 5 5 %
l bu f fe M i t c ta an ag em en ap r	1. 0 %	1. 0 %	1. 0 %	1. 0 %
M A N A G E M E N T T A R G E T	% 1 6. 1	% 1 5. 8	% 1 5. 8	% 1 5. 5 5

Capital requirement on an individual basis

	be 3 1 De ce m r 2 0 2 3	1 Ja nu ar y 2 0 2 4	h 3 1 M ar c 2 0 2 4	l 1 Ap i r 2 0 2 4
los bs M R E L – ion t t s a or p am ou n	1 0. 6 %	1 0. 6 %	1 0. 3 %	1 0. 3 %
i l isa ion M R E L - ta t t re ca p a mo un	6. 6 %	6. 6 %	6. 9 %	6. 9 %
l c bu f fe C R R c i ion ta t ap on se rva r	2. 5 %	2. 5 %	2. 5 %	2. 5 %
l l bu f fe C R R c ica te ou n rcy c r	2. 0 %	2. 0 %	2. 0 %	1. 7 5 %
l re ire To ta t q u me n	% 2 1. 7	2 1. % 7	% 2 1. 7	2 1. 4 % 5
l bu f fe M i t c ta an ag em en ap r	1. 0 %	1. 0 %	1. 0 %	1. 0 %
M A N A G E M E N T T A R G E T	2 2. 7 %	2 2. 7 %	2 2. 7 %	2 2. 4 5 %

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 for setting the MREL requirement on an individual basis.36

CAPITAL POSITION ON AN INDIVIDUAL BASIS

On an individual basis, we exceed the total MREL management target of 22.45% by 151 basis points

On a consolidated level, we maintain excess capital of CZK 4.6 billion and carry dividend accrual of CZK 5.8 billion

capital does not include 2023 accrued dividend in the amount of CZK 4.6bn (which was approved at General meeting on 23 April 2024 and will be paid on 21 May 2024); excess capital and accrued dividend as of 31 March 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 1Q 2024 net profit; (5) Subject to corporate, regulatory and regulator´s limitations.

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 RISK RATIOS

NPL ratio remained at historically low levels, accompanied by stable loan loss provisioning coverage and cost of risk at 20bps in line with expectations

COST OF RISK

1Q 2024 cost of risk stable thanks to the good credit portfolio performance and NPL disposals

Cost of risk

(CZK m, release in brackets, creation without brackets)

		2 0 2 3
( ) M E T R I C S C Z K m	1 Q	2 Q	3 Q	4 Q	1 Q
C O S T O F R I S K	( ) 1 1 6	1 4 6	1 4 2	1 3 3	1 3 5
RE TA IL •	( ) 11 4	11 3	10 3	43	36
CO CIA MM ER L •	( ) 2	33	39	90	99

Cost of risk1

(%, release in brackets, creation without brackets)

		2 0 2 3				2 0 2 4
( ) M E T R I C S %	1 Q	2 Q	3 Q	4 Q		1 Q
C O S T O F R I S K	( ) 0. 1 7	0. 2 2	0. 2 1	0. 2 0		0. 2 0
RE TA IL •	( ) 0.2 5	0.2 5	0.2 3	0.0 9		0.0 8
CO CIA MM ER L •	( ) 0.0 1	0.1 6	0.1 8	0.4 2		0.4 6

•1Q 2024 cost of risk supported by a gain on NPL disposals of CZK 29 million (1Q 2023: CZK 221 million).2

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

(1) Annualised; (2) 1Q 2024 impact into the cost of risk line at CZK 28m and into other operating income line at CZK 1m; in 1Q 2023, impact into the cost of risk line at CZK 219m and into other operating income line at CZK 2m.

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

balance in Stage POCI.

NPL balance remained stable quarter-on-quarter, 1Q 2024 positively impacted by NPL disposals and repayments

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. PAST DUE EXPOSURES DEVELOPMENT

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 - 1Q 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: Příbram

NET PROFIT EVOLUTION

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

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 48, 49 and 74 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

Guidanceas publishedon 2 February2024

M ic t e r s	2 0 2 4	2 0 2 5	2 0 2 6	2 0 2 7	2 0 2 8	C A G R 2 0 2 4- 2 0 2 8
l o ( bn ) To ing inc C Z K ta t p er a om e	1 2. 4 ≥	1 2. 8 ≥	1 3. 5 ≥	1 4. 0 ≥	1 4. 5 ≥	4. 0 %
( ) l o ing bn To C Z K ta t p er a ex p en se s	5. 8 ≤	5. 9 ≤	6. 0 ≤	6. 2 ≤	6. 3 ≤	% 2. 1
f ( bn ) Op ing i C Z K t t er a p ro	6. 6 ≥	6. 9 ≥	7. 5 ≥	7. 8 ≥	8. 2 ≥	5. 6 %
f r k ( bp ) Co is t o s s	1 0- 3 0	1 5- 3 5	2 5- 4 5	2 5- 4 5	2 5- 4 5	/ n a
1 f fe ive E t tax te c ra	~1 4. 0 %	~1 0 % 5.	~1 0 % 5.	~1 0 % 5.	~1 0 % 5.	/ n a
( bn ) N E T P R O F I T C Z K	≥ 5. 2	≥ 5. 3	≥ 5. 5	≥ 5. 7	≥ 6. 0	3. 6 %
( ) ing ha Ea C Z K rn s p er s re	1 0. 2 ≥	1 0. 4 ≥	1 0. 8 ≥	1 1. 2 ≥	1 1. 7 ≥	3. 6 %
b le Re Ta i Eq i tu ty rn o n ng u	1 7. 0 % ≥	1 7. 0 % ≥	1 7. 0 % ≥	1 7. 0 % ≥	1 7. 0 % ≥	/ n a

Note: Please see pages 48, 49 and 74 of this presentation for limitations of forward-looking statements and their assumptions. (1) Assuming no changes in current tax regulation.

MATERIAL ASSUMPTIONS FOR 2024 – 2028 MEDIUM-TERM GUIDANCE AS PUBLISHED ON 2 FEBRUARY 2024

Macroeconomic assumptions for medium-term guidance

S S O S A U M P T I N	2 0 2 4	2 0 2 5	2 0 2 6	2 0 2 7	2 0 2 8
h G D P g t ro w	2 % 1.	2. 8 %	2. 8 %	2. % 7	2. % 5
loy Un t em p me n	3. 0 %	3. 0 %	2. 9 %	2. 7 %	2. 5 %
f la ion In t	2. 6 %	2. % 1	2. 0 %	2. 0 %	2. 0 %
( l a ) 2 W te re p o r a an nu a ve rag e	5. 2 %	3. 3 %	3. 0 %	3. 0 %	3. 0 %
( ) i bo l a 1 M Pr r an nu a ve rag e	% 5. 4	% 3. 4	% 3. 1	% 3. 1	% 3. 1
/ C Z K E U R	2 4. 6	2 4. 1	2 4. 0	2 4. 0	2 4. 0

Note: Please see also pages 49 and 74 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: data based on internal assumptions.

all

MATERIAL ASSUMPTIONS FOR 2024 – 2028 MEDIUM-TERM GUIDANCE AS PUBLISHED ON 2 FEBRUARY 2024

Projected loans and deposits growth

( bn ) P R O J E C T I O N C Z K	2 0 2 3	2 0 2 4	2 0 2 5	2 0 2 6	2 0 2 7	2 0 2 8 2	C A G R 0 2 3- 2 0 2 8
fo ing loa de lop Gr t os s p er rm ns ve me n	2 6 3. 9	2 6 6. 4	2 7 2. 2	2 7 8. 9	2 9 3. 8	3 1 1. 9	% 3. 4
l i Re ta	1 7 9. 5	1 7 8. 8	1 8 0. 9	1 8 3. 2	1 9 2. 1	2 0 6. 1	2. 8 %
l Co ia mm er c	8 4. 4	8 7. 5	9 1. 3	9 5. 7	1 0 1. 7	1 0 5. 9	% 4. 6
de de lop Cu i to ts t s me r p os ve me n	3 9 9. 2	4 1 3 5.	4 3 1. 5	4 4. 9 5	4 6. 7 7	4 9 9. 4	4. 6 %
l Re i ta	3 1 3. 2	3 2 1. 3	3 3 3. 9	3 5 3. 7	3 7 2. 1	3 9 1. 1	% 4. 5
ia l Co mm er c	8 6. 1	9 4. 0	9 6 7.	1 0 1. 1	1 0 4. 7	1 0 8. 3	4. % 7

Note: Please see also pages 48 and 74 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

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

REPORTING DATES, INVESTOR MEETINGS AND OTHER IMPORTANT DATES

Calendar for 1H 2024

APPENDIX

Events with investors

Distributed Dividends and Total Shareholder Return

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

DISTRIBUTION OF DIVIDENDS 2016 - 2023

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.

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

Total shareholders return1 as of 31 March 2024 (%)

2022 and reinvested dividend paid during 2023; (2) EuroStoxx incl. 42 banks from the SX7P STOXX Europe 600 Banks Index.

APPENDIX

• Events with investors
• Distributed Dividends and Total Shareholder Return

Gross Performing Loan Portfolio Development

• Funding Base Development
• Financial Statements & Key Performance Ratios
• Glossary of Terms

RETAIL GROSS PERFORMING LOAN PORTFOLIO DEVELOPMENT

Decline in retail loan book due to lower demand during 2023, first signs of renewed credit demand already visible during 1Q 2024

Notes: (1) Loan to value ratio on performing mortgage portfolio at 57.8% as of 31 March 2024; (2) Consumer loan portfolio includes also supplementary housing loans, which represent 22% of the balance in 1Q'24.

COMMERCIAL GROSS PERFORMING LOAN PORTFOLIO DEVELOPMENT

Growth in commercial portfolio across most product categories

Notes: (1) Commercial loan portfolio includes leasing portfolio in the amount of CZK 3.2bn in 1Q'23 and CZK 2.8bn in 2Q'23, CZK 2.5bn in 3Q'23, CZK 2.2bn in 4Q'23 and CZK 1.9bn in 1Q'24; (2) Investment loan portfolio includes supplementary housing loans; (3) Includes gross performing receivables and undrawn working capital limits.

APPENDIX

• Events with investors
• Distributed Dividends and Total Shareholder Return
• Gross Performing Loan Portfolio Development

Funding Base Development

• Financial Statements & Key Performance Ratios
• Glossary of Terms

RETAIL CUSTOMER DEPOSITS DEVELOPMENT

Total retail deposit growth driven by savings and term deposits, the decline in current accounts due to a shift to a more attractive proposition

COMMERCIAL CUSTOMER DEPOSITS DEVELOPMENT

The commercial segment recorded the same trend as retail, with a decline in current accounts due to a shift to a more attractive proposition

Wholesale funding complements the overall funding base, grew due to subordinated deposits and repo operations

Notes: (1) Excluding opportunistic repo operations and CSA in the amount of CZK 3.2bn in 1Q'23, CZK 2.5bn in 2Q'23, CZK 2.5bn in 3Q'23, CZK 0.6bn in 4Q'23 and CZK 0.5bn in 1Q'24.

APPENDIX

• Events with investors
• 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 positionFINANCIAL STATEMENTS

CZ K m	/ / 31 03 202 4	1 / / 31 12 202 3	ha % C nge
h a bal h t he l ba nk Cas nd wit tra anc es cen	12, 226	10, 87 1	12. 5%
e f al i ith fai lue De riva tiv ina nci siti nst ent rum s w po ve r va s	560	544	2.9 %
uri tie Inv est nt me sec s	103 215 ,	104 353 ,	( ) 1.1 %
He dg ing de riva tiv wit h p osi tiv e f air val es ues	2, 68 1	2, 70 1	( ) 0.7 %
Ch fa alu f it s h edg ed rtfo lio bas e in ir v is ang e o em on po	244	122	.0% 100
and vab les ba nks Loa cei to ns re	327 75,	69, 63 2	8.2 %
Loa and cei vab les to sto ns re cu me rs	266 73 1 ,	263 064 ,	1.4 %
ible Int set ang as s	3, 323	3, 33 2	( ) 0.3 %
and Pro uip ty nt per eq me	2, 39 2	2, 40 0	( 0.3 ) %
Inv in iat est nts me as soc es	3	3	0.0 %
Cu nt tax set rre as s	66	76	( 2) 13. %
Def ed tax set err as s	8	0	/a n
her Ot set as s	1, 250	1, 08 6	15. 1%
TO TA L A SSE TS	46 8, 02 6	45 8, 184	2.1 %
o b ks Du e t an	6, 44 1	5, 42 3	18. 8%
Du e t ust o c om ers	40 5, 920	399 49 7 ,	1.6 %
e f al i ith e f val De riva tiv ina nci tiv air nst ent rum s w ne ga ues	51 6	523	( ) 1.3 %
dg ing de riva tiv wit h n tiv e f air val He es ega ues	4, 49 7	4, 548	( ) 1.1 %
Ch e in fa ir v alu f it s h edg ed rtfo lio bas is ang e o em on po	81	63	28 .6%
ued bo nds Iss	3, 85 6	3, 808	% 1.3
bo rdi ed liab ilit Su ies nat	548 7,	604 7,	( 0.7 ) %
vis ion Pro s	263	266	( ) 1.1 %
Cu lia bili tie nt tax rre s	79	54	46 .3%
fer red x li ab ilit De ies ta	357	46 2	( .7) % 22
her lia bili Ot tie s	4, 979	3, 733	33 .4%
tal Lia bil itie To s	434 537 ,	42 5, 98 1	2.0 %
Sha l ita re cap	10, 220	10, 220	% 0.0
Sta tut ory re ser ve	102	102	0.0 %
her Ot re ser ves	1	1	0.0 %
ain ed nin Ret ear gs	23, 166	21, 880	5.9 %
tal To Eq uit y	33, 48 9	32, 203	4.0 %
& TO TA L L IAB ILIT IES EQ UIT Y	46 8, 02 6	45 8, 184	2.1 %

Note: (1) Audited.

FINANCIAL STATEMENTS

Consolidated statement of financial position –quarterly development

CZK m	31/ 03/ 202 2	30/ 06/ 202 2	30/ 09/ 202 2	1 31/ 12/ 202 2	31/ 03/ 202 3	30/ 06/ 202 3	30/ 09/ 202 3	1 31/ 12/ 202 3	31/ 03/ 202 4
h a nd bal ith the al b ank Cas ntr anc es w ce	12, 124	12, 080	10, 035	12, 467	7, 441	10, 303	13, 365	10, 871	12, 226
De riva tive fin ial ins wi th itiv e fa ir v alu tru nts anc me pos es	561	749	768	761	726	652	690	544	560
Inv riti est nt s me ecu es	48, 863	52, 639	53, 808	57, 951	80, 195	80, 483	88, 056	104 353 ,	103 215 ,
dg ing de riva tive ith itiv e fa ir v alu He s w pos es	4, 120	5, 333	5, 380	4, 942	4, 345	3, 731	3, 991	2, 701	2, 681
Cha fai lue of he dge d o fol io b in ite asi ort nge r va ms n p s	( ) 2, 109	( ) 2, 576	( ) 2, 484	( ) 2, 090	( ) 1, 597	( ) 1, 147	( ) 989	122	244
and vab les ban ks Loa cei to ns re	39, 605	26, 372	28, 495	37, 886	40, 638	55, 109	68, 120	69, 632	75, 327
Loa and cei vab les to tom ns re cus ers	257 610 ,	265 860 ,	268 766 ,	268 752 ,	266 012 ,	268 027 ,	268 987 ,	263 064 ,	266 731 ,
ible Int set ang as s	3, 267	3, 313	3, 315	3, 379	3, 324	3, 280	3, 252	3, 332	3, 323
nd ipm Pro ty a ent per equ	2, 536	2, 416	2, 297	2, 318	2, 360	2, 361	2, 443	2, 400	2, 392
Inv in oci est nts ate me ass s	3	4	2	3	4	4	2	3	3
Cu nt t ets rre ax ass	2	9	14	6	8	23	33	76	66
Def ed tax set err as s	0	0	0	0	0	0	0	0	8
Oth ts er a sse	907	896	940	1, 135	1, 129	1, 003	1, 113	1, 086	1, 250
TO TA L A SSE TS	367 489 ,	367 095 ,	371 336 ,	387 510 ,	404 585 ,	423 829 ,	449 063 ,	458 184 ,	468 026 ,
ba nks Du e to	22, 723	21, 117	6, 569	5, 953	5, 439	707 7,	7, 379	5, 423	6, 441
Du e to sto cu me rs	299 125 ,	302 199 ,	320 610 ,	334 251 ,	350 329 ,	368 177 ,	393 012 ,	399 497 ,	405 920 ,
riva tive fin ial ins wi th ativ e fa ir v alu De tru nts anc me neg es	683	752	747	747	719	631	674	523	516
e fa He dg ing de riva tive ith ativ ir v alu s w neg es	742	931	934	845	935	1, 545	1, 502	4, 548	4, 497
Cha fai lue of he dge d o fol io b in ite asi ort nge r va ms n p s	( ) 655	( ) 749	( ) 595	( ) 438	( ) 287	( ) 169	( ) 113	63	81
ed bon ds Issu	4, 764	4, 729	4, 096	5, 520	5, 479	909 4,	3, 740	3, 808	3, 856
Sub ord ted lia bili ina tie s	4, 628	4, 669	4, 645	4, 687	630 4,	7, 501	561 7,	604 7,	548 7,
vis ion Pro s	241	256	267	306	250	238	308	266	263
Cu liab iliti nt t rre ax es	248	398	490	482	515	163	146	54	79
Def ed lia bili tie tax err s	320	369	406	496	476	408	418	462	357
Oth liab iliti er es	3, 899	3, 648	3, 140	3, 570	3, 794	3, 238	3, 461	3, 733	4, 979
al L iab ilit Tot ies	336 718 ,	338 319 ,	341 309 ,	356 419 ,	372 279 ,	394 348 ,	418 088 ,	425 981 ,	434 537 ,
Sha ital re c ap	10, 220	10, 220	10, 220	10, 220	10, 220	10, 220	10, 220	10, 220	10, 220
Sta tut ory re ser ve	102	102	102	102	102	102	102	102	102
Oth er res erv es	1	1	1	1	1	1	1	1	1
ain ed nin Ret ear gs	20, 448	18, 453	19, 704	20, 768	21, 983	19, 158	20, 652	21, 880	23, 166
al E Tot ity qu	30, 771	28, 776	30, 027	31, 091	32, 306	29, 481	30, 975	32, 203	33, 489
& TO TA L LI AB ILIT IES EQ UIT Y	367 489 ,	367 095 ,	371 336 ,	387 510 ,	404 585 ,	423 829 ,	449 063 ,	458 184 ,	468 026 ,

Note: (1) Audited.

Consolidated statement of profit or loss and other comprehensive income

CZ K m	1Q 20 24	1Q 202 3	% C ha nge
nd ilar Int sim inc st a ere om e	5, 964	4, 85 5	.8% 22
d s ilar ch Int im st e ere xpe nse an arg es	( ) 3, 889	( ) 2, 824	37 .7%
Ne t in in ter est com e	2, 07 5	2, 03 1	2.2 %
Fee d c mis sio n i an om nco me	88 1	760	15. 9%
d c Fee mis sio an om n e xpe nse	( ) 141	( ) 144	( %) 2.1
t fe nd mi ssi in Ne e a com on com e	740	616	20 .1%
ide nd Div inc om e	0	1	/a n
e f fin ial Ne t in tio com rom anc op era ns	285	183	55 .7%
her tin inc Ot op era g om e	17	13	.8% 30
tal tin inc To op era g om e	3, 117	2, 844	9.6 %
nel Per son ex pen ses	( ) 620	( ) 578	7.3 %
Ad mi nis tiv tra e e xpe nse s	( ) 330	( ) 365	( %) 9.6
nd De cia tio isa tio ort pre n a am n	( 1) 30	( ) 323	( %) 6.8
Reg ula har tor y c ges	( ) 228	( ) 267	( ) 14. 6%
her Ot tin op era g e xpe nse s	( 7)	( 12)	( .7% ) 41
tal tin To op era g e xp en ses	( 6) 1, 48	( ) 1, 545	( %) 3.8
fit for th od be for d n f fi al a Pro eri im irm nci e t et t o ts e p ax an pa en na sse	1, 63 1	1, 299	25 .6%
Ne t im irm of fin ial ent ets pa anc ass	( ) 135	116	/a n
fit for th eri od be for Pro e t e p ax	49 6 1,	1, 41 5	% 5.7
Tax inc es on om e	( ) 210	( ) 200	% 5.0
fit for th od af Pro eri ter ta e p x	1, 286	1, 21 5	5.8 %
tal reh trib ble th ho lde To siv e i ity at uta to co mp en nco me e e qu rs	1, 286	1, 21 5	5.8 %

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

CZ K m	1Q 20 22	2Q 20 22	3Q 20 22	4Q 20 22	1Q 20 23	2Q 20 23	3Q 20 23	4Q 20 23	1Q 20 24
nd ilar Int sim inc st a ere om e	3, 35 1	3, 704	4, 00 2	4, 534	4, 85 5	5, 374	5, 769	6, 04 8	5, 964
d s ilar ch Int im st e ere xpe nse an arg es	( ) 928	( ) 1, 246	( ) 1, 675	( 1) 2, 43	( ) 2, 824	( ) 3, 207	( 1) 3, 57	( 7) 3, 86	( ) 3, 889
t in in Ne ter est com e	2, 42 3	2, 45 8	2, 327	2, 103	2, 03 1	2, 167	2, 198	2, 181	2, 07 5
d c Fee mis sio n i an om nco me	637	667	675	753	760	799	83 6	82 2	88 1
d c Fee mis sio an om n e xpe nse	( ) 121	( ) 122	( ) 132	( ) 59	( ) 144	( ) 136	( ) 154	( ) 159	( ) 141
Ne t fe nd mi ssi in e a com on com e	516	545	543	694	616	663	682	663	740
Div ide nd inc om e	1	1	1	1	1	0	1	1	0
e f fin ial Ne t in tio com rom anc op era ns	70	14	139	134	183	188	278	240	285
her Ot tin inc op era g om e	14	48	12	72	13	10	21	10	17
tal To tin inc op era g om e	3, 024	3, 06 6	3, 02 2	3, 004	2, 844	3, 028	3, 180	3, 09 5	3, 117
nel Per son ex pen ses	( 6) 58	( 1) 61	( ) 657	( ) 674	( ) 578	( ) 595	( ) 593	( ) 738	( ) 620
Ad mi nis tiv tra e e xpe nse s	( 1) 39	( ) 325	( ) 378	( 9) 42	( ) 365	( 5) 41	( ) 367	( 6) 48	( ) 330
De cia tio nd isa tio ort pre n a am n	( 2) 31	( 1) 31	( 1) 31	( ) 315	( ) 323	( 2) 31	( ) 304	( ) 294	( 1) 30
ula har Reg tor y c ges	( ) 218	( 11)	0	0	( ) 267	( ) 40	0	0	( ) 228
her tin Ot op era g e xpe nse s	( 13)	( 17)	( 10)	( ) 25	( 12)	( 10)	( 12)	( 19)	( 7)
tal tin To op era g e xp en ses	( 520 ) 1,	( 27 5) 1,	( 356 ) 1,	( 3) 1, 44	( ) 1, 545	( 372 ) 1,	( 276 ) 1,	( 537 ) 1,	( 48 6) 1,
fit for th eri od be for d n im irm f fi nci al a Pro e t et t o ts e p ax an pa en na sse	1, 504	1, 79 1	1, 666	1, 56 1	1, 299	1, 656	1, 904	1, 558	1, 63 1
of fin ial Ne t im irm ent ets pa anc ass	95	155	( ) 124	( ) 216	116	( ) 146	( ) 142	( ) 133	( ) 135
fit for th od be for Pro eri e t e p ax	1, 599	1, 94 6	1, 542	1, 34 5	1, 41 5	1, 510	1, 76 2	1, 42 5	1, 49 6
Tax inc es on om e	( ) 309	( ) 364	( 1) 29	( 1) 28	( ) 200	( ) 247	( ) 268	( ) 197	( ) 210
Pro fit for th eri od af ter ta e p x	1, 290	1, 582	1, 25 1	1, 064	1, 21 5	1, 263	1, 494	1, 228	1, 286
tal reh siv e i trib ble th ity ho lde To at uta to co mp en nco me e e qu rs	290 1,	582 1,	25 1, 1	064 1,	21 1, 5	263 1,	494 1,	228 1,	286 1,

FINANCIAL STATEMENTS

Key performance ratios

Yie ld ( % A ns) 4.9 % % 0.2 Ne t C ust Loa 4.7 vg om er 1 f F ds ( and ved ) Co % A De its Re cei Lo 3.6 0% 3.3 3% 0.2 7 st o un vg pos ans f F ( its) Co ds Cu r D sits % A De 3.5 8% 3.3 0% 0.2 8 st o sto un on me epo vg pos	)
2,3,4 ( % A rni ) % % ( NIM Int Ea Ass 1.8 2.1 0.3 ets vg ng
f R isk ( ns) Co % A Ne t C Loa 0.2 0% 0.1 1% 0.0 9 st o ust vg om er
ld ( ns) Ris k-a dj. Yie % A Ne t C Loa 4.7 % 4.6 % 0.1 ust vg om er
/ & C mis sio tin e ( %) .7% .6% Ne t F n I Op Inc 23 21 2.1 ee om nco me era g om
/ e ( %) Ne t N -In In Op tin Inc 33 .4% 29 .4% 4.0 ter est on com e era g om
Co o I Ra tio 47 .7% 47 .2% 0.5 st t nco me
1% 0% ( ) RoT E 17. 18. 0.9
( ) Ro E 15. 4% 16. 1% 0.7
2 ( ) RoA A 1.1 % 1.2 % 0.1
/ Liq uid ity Lev era ge
( ) Loa o D sit io 65 .8% 65 .9% 0.1 n t rat epo
/ tal uit tal % % To Eq To As 7.2 7.0 0.2 set y s
/ Hig h-Q ual ity Liq uid sits .5% .0% As Cu r D 40 40 0.5 set sto s me epo
Liq uid ity Co tio 359 .5% 354 .4% Ra 5.1 ver age
l A Ca ita de p qu acy
A d RW ity 36 .3% 36 .4% ( 0.1 ) ens
ula lev ( ) Reg 5.6 % 5.7 % 0.1 tor y era ge
R ( %) To tal CA ( ) 19. 6% 20 .1% 0.5
io ( %) Tie r 1 Rat ( ) 15. 4% 15. 7% 0.3
alit As Qu set y
erf io ( %) % % No n-P ing Lo Rat 1.4 1.4 0 orm an
erf ( %) ( ) Co No n-P ing Lo Co 46 .6% 47 .9% 1.3 re orm an ver age
tal e ( %) ( ) To NP L C 118 .5% 121 .6% 3.1 ove rag
5 ( ) alu o ( %) 57 .8% 58 .8% 1.0 Loa ati n t o v e r
5 alu ati lum ( %, ig hte d a ) 59 .5% 58 .4% 1.1 Loa n t o v e r o o n n ew vo es we ver age
lat for % c ha Op tin nge era g p m
nch ork Bra 134 134 0.0 % tw ne
6 & s har ed % Ow AT Ms 1, 97 6 1, 97 1 0.3 n
7 ( 4) tal loy 2, 510 2, 51 1 0.0 % To em p ees

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.

FINANCIAL STATEMENTS

Key performance ratios –quarterly development

fita bil ity Pro 1Q 20 22 2Q 20 22 3Q 20 22 4Q 20 22 1Q 20 23 2Q 20 23 3Q 20 23 4Q 20 23 1Q 20 24 ld ( ns) Yie % A Ne t C Loa 4.0 % 4.1 % 4.3 % 4.4 % 4.4 % 4.6 % 4.7 % 4.9 % 4.9 % ust vg om er 1 f F ds ( % A its and cei ved ns) 6% 3% 1% 5% 4% 1% 2% 8% 0% Co De Re Loa 0.9 1.2 1.8 2.6 2.9 3.2 3.4 3.5 3.6 st o un vg pos f F ds ( its) Co Cu r D sits % A De 0.9 1% 1.1 8% 1.7 6% 2.6 3% 2.9 1% 3.1 9% 3.3 9% 3.5 5% 3.5 8% st o sto un on me epo vg pos 2,3,4 ( ) NIM % A Int Ea rni Ass 2.8 % 2.7 % 2.6 % 2.3 % 2.1 % 2.1 % 2.1 % 2.0 % 1.8 % ets vg ng f R isk ( % A ns) ( 5) % ( 4) % 9% 2% ( 7) % 2% 1% 0% 0% Co Ne t C Loa 0.1 0.2 0.1 0.3 0.1 0.2 0.2 0.2 0.2 st o ust vg om er k-a dj. ld ( ns) Ris Yie % A Ne t C Loa 4.2 % 4.3 % 4.1 % 4.1 % 4.6 % 4.4 % 4.5 % 4.7 % 4.7 % ust vg om er / e ( %) Ne t F & C mis sio n I Op tin Inc 17. 1% 17. 8% 18. 0% 23 .1% 21 .7% 21 .9% 21 .4% 21 .4% 23 .7% ee om nco me era g om / tin e ( %) 9% 8% .0% .0% .6% .4% .9% .5% .4% Ne t N -In In Op Inc 19. 19. 23 30 28 28 30 29 33 ter est on com e era g om Co o I Ra tio 50 .3% 41 .6% 44 .9% 48 .0% 54 .3% 45 .3% 40 .1% 49 .7% 47 .7% st t nco me 18. 8% 24 .9% 18. 7% 15. 4% 16. 8% 19. 3% 21 .6% 17. 0% 17. 1% RoT E 8% .0% 7% 7% 0% 1% 3% 3% 4% Ro E 16. 22 16. 13. 15. 17. 19. 15. 15. 2 RoA A 1.5 % 1.7 % 1.4 % 1.1 % 1.2 % 1.2 % 1.4 % 1.1 % 1.1 % / Liq uid ity Lev era ge sit io .6% .7% .0% .5% .0% .9% .5% .9% .8% Loa o D 87 89 84 80 76 72 68 65 65 n t rat epo tal / tal To Eq uit To As 8.4 % 7.8 % 8.1 % 8.0 % 8.0 % 7.0 % 6.9 % 7.0 % 7.2 % set y s h-Q ual uid / Hig ity Liq As Cu r D sits .9% 4% .1% .7% .8% .7% .3% 40 .0% 40 .5% set sto 21 18. 22 25 30 32 36 s me epo Liq uid ity Co Ra tio 169 .8% 149 .3% 197 .7% 213 .7% 273 .9% 284 .8% 31 2.1 % 354 .4% 359 .5% ver age Ca ita l A de p qu acy A d ity RW 43 .7% 45 .6% 45 .4% 43 .4% 41 .4% 39 .9% 37 .6% 36 .4% 36 .3% ens Reg ula lev tor 6.6 % 6.4 % 6.5 % 6.7 % 6.4 % 6.1 % 5.8 % 5.7 % 5.6 % y era ge tal R ( %) To CA 7% 8% 0% 0% 1% 7% 9% .1% 6% 17. 16. 17. 18. 18. 19. 19. 20 19. Tie io ( %) r 1 Rat 15. 0% 14. 1% 14. 3% 15. 3% 15. 4% 15. 4% 15. 5% 15. 7% 15. 4% alit As Qu set y erf o ( %) No n-P ing Loa n R ati 1.8 % 1.4 % 1.4 % 1.4 % 1.3 % 1.3 % 1.3 % 1.4 % 1.4 % orm e ( %) Co No n-P erf ing Loa n C 57 .3% 56 .8% 56 .8% 53 .4% 51 .4% 49 .7% 48 .2% 47 .9% 46 .6% re orm ove rag tal e ( %) .5% .8% .3% .8% .1% .4% .8% .6% .5% To NP L C 120 133 137 134 137 133 130 121 118 ove rag 5 o ( %) .2% .5% .0% .4% .1% .8% .5% .8% .8% Loa alu ati 62 61 61 60 60 59 59 58 57 n t o v e r 5 alu lum hte 59 .0% 56 .3% 61 .2% .6% 59 .3% 60 .0% .2% .8% 59 .5% Loa ati d a 55 57 57 n t o v e r o o n n ew vo es we ver
	( ) %, ig age
lat for Op tin era g p m
nch ork 153 140 140 140 134 134 Bra tw 154 154 154 ne
6 Ow & s har ed AT Ms 56 1 1, 42 1 1, 41 5 1, 41 3 2, 04 7 2, 05 8 2, 00 9 1, 97 1 1, 97 6 n
7 tal loy To 2, 92 6 2, 87 6 2, 794 2, 689 2, 550 2, 510 2, 520 2, 51 1 2, 510 em p ees

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.69

APPENDIX

• Events with investors
• 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

d en Acq uire titie s	í řite (for í řite ) Mea MO NET A Stav ebn Spo lna, ly Wü ebn lna, and sten rot stav ns a.s. mer spo a.s. – hyp oteč ní ban ka, Wü sten rot a.s.	t of ds o sits Cos Fun n Cu stom er D epo	and ilar cha dep for the od divi ded by the Inte rest sim cust osit peri exp ens e rges on ome r s
Acq uisi tion	the cha of the Mea Acq uire d enti ties ns pur se	s) / (% A Dep osit Cos t of Fun ds vg	bala of dep osit cust ave rage nce ome r s
AFS	Ava ilab le for sale	(% CoR of r isk of r isk ost ost or c or c	imp airm of fina ncia l divi ded by the bala of loan Net ent ts net to cust asse ave rage nce s ome rs sinc 201 8 base d IFRS 9. If of risk is sho in CZK the it ond "Ne cost to e on wn n corr esp s , of fina l ts" imp airm ent ncia asse
uali sed Ann	Adj d refle the rele the full- bas is uste to ct t rate so as van on yea r	s) Avg Net Cus er L tom oan
ARA D	pub lic data bas that of the info of the ch l k. ARA D is is tion ice Cze Nat iona Ban It is part a e rma serv unif of enti tim seri of ted data for indi vidu al istic and syst stat a orm em pres ng e es agg rega s fina ncia l ket mar area s	inc rati (C/I ) Cos t to ome o	(exp ed ge) of l for the od l Rati enta tota rati peri to tota rati o ress as a perc ope ng exp ens es ope ng inco for the peri od me
Ass et M ent ana gem	Bala of dist ribu ted fun ds inve stm ent nce	CRR	ulat (EU ) /20 of the Parl and of the ncil of Reg ion No. 575 13 Euro iam ent Cou 26 Jun 201 3 pea n e on
Aut o	MO NET A Aut o, s.r.o		den tial irem for cred it inst itut ions and inve firm and ndin Reg ulat ion ents stm ent pru requ s ame g (EU ) /20 nde d No. 648 12, as ame
Ave bal e of int net t rage anc eres ning ets ear ass	Two int of the beg inni and end ing bala of Net Inte Earn ing Ass for the rest ets -po ave rage ng nce s od peri	CSA	Cred lega l doc whi ch late cred (col late ral) for it Sup Ann is it port nt port ex a ume regu s sup der ivat ive ions tran sact
bal e of loa Ave net ns t rage anc o cust ome rs	of the beg inni and end ing bala of and ivab les for the Ave Loa to cust rage ng nce s ns rece ome rs peri od	er d Cus sits tom	ludi sub ord ed liab ilitie and Due ratio inat CSA to cust ome rs exc s
e of Ave bal al a tot sset rage anc s	of of for Two int the beg inni and end ing bala Tot al Ass the peri od ets -po ave rage ng nce s	epo	ng repo ope ns,
k Ban	k, MO NET A Mo Ban ney a.s.	CZK	Cze ch Kor una
BB f cast ore	Bloo mbe fore cast rg	CZS O	ch al Offi Cze Stat istic ce
bn	Billi ons
bps	Bas is poin ts	limi t / O verd raft dra Dra wn wn	and ivab les bala Loa to cust ns rece ome r nce
/Bu Buil ding ings ildin ving sav g sa s dep osit s	Sav ing duc typi cal for buil ding savi ban ks. The Ban k und kes clie nts' dep osit t, erta pro ngs s dete ned for hou fina This ed by fina l trib from the rmi sing ncin act is port ncia utio g. sup a con n stat e.	ESG	tal, ial Env iron Soc and Cor Gov ate men por erna nce
s/B Buil ding ing loan ridg ing loan sav s	Buil ding savi loan ided base d buil ding savi duc The brid ging loan is t. ngs prov on a ngs pro lusiv ely the of buil ding tied only hou ds. Brid loan d in savi to sing ging to exc area ngs, nee s are use brid the peri od dur ing whi ch the ditio for otia ting buil ding savi loan not con ns a are	/ E ffec ETR tive Tax Rat e	Effe prof for befo ctiv Tax Rate calc ulat ed inco divi ded by it the peri od taxe tax e as s on me re –
/ C apit al A deq tio CAR y Ra uac	ge neg ngs met calc ulat ed lato ital of risk ight ed Rati enta ts o as regu ry cap as a perc ge -we asse	d cr edit los ode l Exp ecte s m	The imp airm mod el that cred it loss allo usin thre h ent e-st mea sure s wan ces g a age app roac base d the of cred dete of fina l exte nt it rior atio ncia ts sinc orig inat ion; Stag 1 on n asse e e –
CET 1 ra tio	ital of (cal cula ted ) CET 1 RWA CRR enta nt to cap as a perc ge pur sua		fina ncia l with sign ifica incr in cred it risk sinc initi al gnit ion, Stag 2 ts nt asse no ease e reco e fina ncia l with sign ifica incr in cred it risk sinc initi al gnit ion but in defa ult, ts nt not asse ease e reco
CNB	Cze ch Nat iona l Ban k		fina l defa ult Stag 3 ncia in ts e asse –
/ O Cos t Ba PEX se	al Tot rati ope ng exp ens es	FTE	full ivale the last th of the Figu tim in stat nts rter re es e equ mon qua
	and sim ilar cha for the peri od (exc l. dep osit inte and Inte rest rest rate exp ens e rges swa ps	FVT OCI	l d Valu Thr h Oth preh Fina ncia ts at Fair Com ive Inco asse mea sure e oug er ens me
Cos t of ds ( % A sits ) Fun vg D epo	nist ic inte es) divi ded by the bala of Due ban ks, Due ortu rest to to opp repo exp ens ave rage nce and ed bon ds and sub ord ed liab ilitie l. issu inat nist ic rati cust ortu ome rs s, exc opp repo ope ons and CSA	FVT PL	l d Valu Thr h Prof Fina ncia ts at Fair it Loss asse mea sure e oug or

GLOSSARY 2/3

ding Fun Ba se	of ks, ed ds and sub ord ed liab ilitie and ludi Sum Due to cust Due to Ban Issu Bon inat ome rs, s exc ng nist ic ratio and CSA ortu opp repo ope ns	MR EL	Min imu Req uire of Ow Fun ds and Elig ible Liab ilitie t m men n s
FY	l Fina ncia	MSS	MO NET A St bní Spo řite lna, (for ly W üste ebn í řite lna, .) nrot stav ave a.s mer spo a.s –
	yea r	/Ne ofit Net Inc t Pr ome	Prof for the od afte it peri tax r
GDP	dom duc Gro esti t ss c pro		h and bala with the tral ban k, loan and ivab les ban ks, Cas inve ritie stm ent to nce s cen secu s, s rece
Gro up	The k and sub sidi Ban its arie s	rnin Net Int t Ea g As sets eres	loan and ivab les and the also fina l to cust prio to tran sitio to IFRS 9 ncia ts at s rece ome rs r n asse fair valu thro ugh prof it loss fina ncia l ilab le for sale fina ncia l held ts ts to e or asse ava asse , , urit mat
erfo ng l Gro rmi ss p oan s	Perf loan and ivab les dete ned rdan with the ing rmi in to cust orm s rece ome rs as acco ce A's loan ivab les isat ion rule (Sta nda rd, ch) MO NET cate Wat rece gor s	Net Int t M argi NIM eres n or	y Net inte and sim ilar inco divi ded by the bala of inte ing rest net rest ts me ave rage nce earn asse
IFRS	l l dard Inte rnat iona Fina ncia Rep orti Stan ng s	Net No n-In tere st In com e	al rati inco less inte and sim ilar inco for the peri od Tot net rest ope ng me me
	All inte and -int inco ed by h lend ing duc with in the rest t erat t t, non eres me gen eac pro seg men	vol / N duc New tion ume ew pro	of loan l disb d the od for olvi loan Agg prin cipa in peri te rega urse non -rev ng s
ntal Incr RO E eme	of ds allo d h lend duc (by of min Cos Fun ing usin Gro Cos t cate to t t us eac pro g ave rage up core ds and leve ), min of IR hed ging allo d h lend ing duc and min Fun cost cate to t rage us eac pro us cred it loss boo ked h lend ing duc for the iod (=RA OI), divi ded by ity t es on eac pro per ave rage equ allo d h lend duc by leve (=Eq ) ing usin uity cate to t eac pro g rage	ld / New vol yie Ne rod ucti ume w p on yiel d	alm duc mod el of yiel d d be ed ly ed loan Inst orig inat ent ts: out put ecte to erat pro exp gen on new s base d inpu bini al l and d beh avio of the loan for the ts actu trac tua term ecte on com ng con s exp ur cific of (cre ital) the loan duc Rev olvi duc dit card and king type t. ts spe pro ng pro s wor cap : ghte d of l ly ed loan (cre dit limi t) wei orig inat trac tua rate ave rage con on new s
Inve ritie stm ent secu s	ity and deb ritie in the Gro up´s folio sist of ritie d rtise d Equ t port at secu s con secu s mea sure amo , (FVT ) fair valu thro ugh oth preh ive inco OCI and fair valu thro ugh prof it cost e er com ens me e or , loss		form loan dete ned rdan with the A´s loan ivab les Non ing rmi in MO NET s as acco ce rece
	(FVT PL)		-per isat ion rule (sub dard dou btfu l, loss ), rdin cate stan Stag 3 to IFRS 9 gor s e acco g ,
ed s ritie Issu ecu s	ed bon ds and Sub ord ed liab ilitie Issu inat s	NPL Rat io	(exp ge) Rati ed of NPL loan and ivab les enta to to cust o ress as a perc gros s s rece ome rs
k/th s	Tho nds usa	e / e / al N NPL Cov Cov Tot PL erag erag Cov erag e	(exp ed ge) of loss allo for loan and adv Rati enta to cust to o ress as a perc wan ces s anc es ome rs NPL
sing Lea	MO ing, NET A Leas s.r.o	Onl ine Orig inat ion	volu orig inat ed from onli licat ions and lead (clie with Rep nts nt tact rese new me ne app s con ils) deta
Liqu id A sset s	id cash and bala with tral ban ks, (not Liqu ts pris inve stm ent ritie asse com e nce s cen secu s sfer red coll al in rcha nts) loan and ivab les ban ks tran ater to as repu se agre eme s rece ,	Ope rati rofi t ng p	rati prof it prof it for the peri od befo and of Risk Ope nts tax Cos t ng repr ese re
/Liq LCR uidi ty C Rat io ove rage	idity the (exp ed ge) of A's buff of Liqu Cov Rati rati enta MO NET erag e o mea sure s o ress as a perc er high lity liqu id its proj d liqu idity outf low 30-d peri od, ts to ecte net stre qua asse s ove r a ay ss as calc ulat with ulat 5/6 ed in rdan EU Reg ion 201 1 acco ce	Ope rati l liq uidi ty ona	Incl ude mbe red bon d folio and the bills ket valu A's and CNB MO NET MSS port at s une ncu mar e, clea ring the CNB fore ign han inte rban k dep osit cash and unts at tro unts acco exc ge nos acco s, , , cash in sit tran
rati it ra tio LtD Loa n to De o or pos	dep calc ulat ed loan and ivab les divi ded by Loa osit rati to net to cust cust n o as s rece ome rs ome r	Opp nist ic re tion ortu po o pera s	ions with ies whi ch clos ed bac k-to -bac k bas is by Rep tran sact nter part o cou are on a reve rse repo ions with the CNB tran sact
M / m	dep osit ludi sub ord inat ed liab ilitie CSA and s, exc ng s, repo s. Mill ions d cred it loss esti whi ch insu ffici sitiv ity of Incr nt to ecte mat sate ent eme e com s sen core	POC I	fina t(s) POC I cha sed orig inat ed ncia l that cred it-im pair ed initi al mea ns pur or asse are on and indi that fina l cred ed whe that gnit ion cate ncia t is it-im pair nts reco s a asse n one or mor e eve hav det rime ntal imp the esti ed futu cash flow of that fina ncia l hav act mat t e a on re s asse e d occ urre
Man erla t ov age men y	exp pen cific IFRS 9 mod el mic ditio to spe mac roec ono con ns	foli o yi eld Port	Plea refe the defi of yiel d to nitio se r n
Mar ket sha er l re – con sum oan s	loan ed and ed loan deb soli dati add al Con Non t ition sum er s -pu rpos pur pos con sum er s, con ons = , loan and Am eric tgag s an mor es. the olid ated rdin the defi Sou CNB ARA D, MM B in IFRS CNB nitio to rce: unc ons acco g ns, gros s	pp	Perc poin enta ts ge
		Q	Qua rter
	loan ludi iden and loan fore the uali sed in ign CNB ts s exc ng non -res s curr enc y, ann ave rage	QtD	Qua date rter -to-
	wei ghte d rate	QtQ	Qua rter -to- rter qua
ket inte Mar rest rat es	d the CNB Base ARA D on		All inte and -int inco ed by h lend ing duc with in the rest t erat t t, non eres me gen eac pro seg men
MPS V	Min istry of Labo and Soc ial Affa irs ur	RAO I	of ds allo d h lend duc (by of min Cos t Fun cate to ing t usin Gro Cos t us eac pro g ave rage up core Fun ds and leve ), min of IR hed ging allo d h lend ing duc and min cost cate to t rage us eac pro us
MO NET A	has the the MO NET A ning Gro sam e mea as up		cred it loss boo ked h lend ing duc for the peri od t es on eac pro

GLOSSARY 3/3

Mai nly sists of paid regi ed sha ital, sha miu ined prof its, disc lose d ster reta con -up re cap re pre m,	ll Bu sine ss (n ew) duc tion Sma pro	volu of red alm loan and ivab les ll New inst ent to Sma Bus ines cust me uns ecu s rece s ome rs
rese rves rese rves gen s, mus aga accu loss defe rred ngib le and sha held by the cert ain tax ts, cert ain inta ts trea es, asse asse sury res (cal cula ted ) Com nt to CRR pan y pur sua	E / S clie SM ME nts	Clie who hav the duc iden tific ber with ual rpri ir atio nts ente t or ses e pro on an n num an ann abo mill ion turn CZK 60 ove r ve
Rela of ion' off- bala she obli and obli tive size inst itut gati ting gati ts, et ent an s asse nce ons con ons deli ide coll al, incl udin obli gati from ived fun ding mad to to to ater pay or ver or prov g ons rece e ,	SRE P	Sup ervi iew and luat ion whe the ervi larly and Rev Eva Proc sory ess, n sup sor regu asse sses for the risk h ban k mea sure s s eac
mitm der ivat urch but ludi obli gati whi ch only be ents nts, com es or rep ase agre eme exc ng ons can , enfo rced dur the liqu idat of d that ion' fun ds ing ion inst itut ion, inst itut to an com pare s own	Stag e 1, Sta ge 2 , Sta ge 3	Stag fina ncia l with sign ifica incr in cred it risk sinc initi al gnit ion, Stag 1 ts nt e asse no ease e reco e – 2 fina ncia l with sign ifica incr in cred it risk sinc initi al gnit ion but in ts nt not asse ease e reco - defa ult, fina l defa ult Stag 3 ncia ts in e asse –
ible ity calc ulat ed uali sed prof it afte for the peri od divi ded by Retu tang tax rn on equ as ann r ible ity tang equ	plem hou sing loa Sup ent ary ns	folio il brid loan and buil ding loan MSS port reta ging savi s ngs s. –
Clie nts/ indi vidu als who hav the duc ed the l iden tific ber ir sign usin ir atio t e pro g pers ona n num	gibl uity Tan e Eq	Calc ulat ed l ity less inta ngib le and dwi ll tota ts as equ asse goo
Non red and lvin loan il clie incl udin buil ding savi and to reta nts; -pu rpo se, uns ecu revo g s g ngs brid loan ging s	Tier 1 C apit al	(CET ital) The of Com ity tier 1 1 Cap and Add ition al Tier 1 whi ch mai nly te agg rega mon equ of ital and oth (inc ludi red sub ord ed deb sists inst item ain inat ents cert t con cap rum er s ng uns ecu inst with urit date ) ided in Art. 51 of CRR ents out mat rum a y prov
calc ulat ed uali sed prof afte for the od divi ded by the Retu it peri ts tax rn on ave rage asse as ann r	Tier 1 C apit al R atio	Tier 1 Cap ital of risk ight ed enta ts as a perc ge -we asse
bala of l tota ts ave rage nce asse Retu ity calc ulat ed uali sed prof it afte for the peri od divi ded by l ity tax tota rn on equ as ann r equ	al, T Tier 2 C apit 2	Reg ulat Cap ital whi ch sists of ital inst sub ord inat ed loan and oth item ents ory con cap rum s er s , (inc ludi red sub ord ed deb obli with ) ided ain inat gati ricti cert t t rest ng uns ecu ons pay men ons prov in of Art. 62 CRR
Risk ight ed calc ulat ed -We Ass CRR ets nt to pur sua	al C apit al R atio Tot	Tier ital and Tier ital of risk ight ed 1 Cap 2 Cap enta ts as a perc ge -we asse
Calc ulat the ghte d risk ght for the ban king and trad boo k (inc l. Off wei wei enti ing es ave rage re bala & On- bala she et) plus side ring also Ope rati l Risk Mar ket Risk and nce nce con ona ,	al N PL C Tot ove rage	(exp ed ge) of indi vidu al and folio for loan and Rati isio enta port o ress as a perc prov ns s ivab les l form ing loan and ivab les to tota rece non -per s rece
Calc ulat the wei ghte d risk wei ght of the loan folio only (inc l. Off- bala & On port es ave rage nce	rn/T al S hare hold SR Tot er R etu	al Sha reho lder base d the Bloo mbe hod olog incl udin rein ed divi den d Tot Retu met vest rn on rg y g
cts nce con con vers or per exp osu re o ion fact sub stitu ted by 10% ). is defi ned the ratio of the It RWA to Net con vers ors are as	Y	Yea r
g , Clie rpri with ual of mill ion nts ente turn to CZK 60 or ses an ann ove r up	d (% s) Yiel Avg . Ne t Cu er L stom oan	Inte and sim ilar inco from loan divi ded by the bala of rest to cust net me s ome rs ave rage nce loan to cust s ome rs
	YoY	Yea r-on -yea r
rdra fts ided rpri with ual of CZK 60 mill ion to ente turn to ove prov an se an ann ove r up	YtD	date Yea to r
	and for eral ban king risk whi ch be ed off inst mul ated t nett Cred Risk defi ned the the Ade Cou it RWA It is Leve Rati Tier 1 Rati nter part to y as rage o qua cy o bala she et) side cred fact effe of (zer cred ring it ion unit it Fina ncin Rec eiva bles i.e. utili sing Spe cific Cred it Risk Adj ustm ents and ivab les of red inst alm loan cial cred it card and red Loa ent ns rece uns ecu s, com mer s uns ecu

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.
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• •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 48 and 49.

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

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