Moneta Money Bank A.S.

Investor Presentation • Feb 2, 2024

FY 2023 Results

Published on 2 February 2024 at 07:00 CET According to IFRS, Consolidated, Unaudited

MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION

2023 KEY HIGHLIGHTS

(in CZK)

• Net profit of CZK 5.2 billion on basis of stable operating income and costs, supported by benign risk charges and lower effective tax.
• Proposed dividend of CZK 9.0 per share represents an increase of 12.5% y-o-y; dividend pay-out ratio at 88%.
• Total assets grew by CZK 71 billion and reached CZK 458 billion, driven by strong funding base growth of 20.1%, adding CZK 70 billion.

Net	Earnings	Proposed dividend
profit	per share	per share
5.2 bn +0.3%	10.2 +0.3%	9.0 +12.5%
Total	Funding	Net loan
assets	base	portfolio
458	415	263
bn	bn	bn
+18.2%	+20.1%	(2.1)%

We have successfully delivered and exceeded financial targets as per market guidance published on 3 February 2023

METRICS	2023 Guidance	2023 Results
Total operating income (CZK)	≥12.0bn	12.1bn
Total operating expenses (CZK)	≤5.7bn	5.7bn
Operating profit (CZK)	≥6.3bn	6.4bn
Cost of Risk (bps)	25-45	11
Effective tax rate	~22.0%	14.9%
NET PROFIT (CZK)	≥4.3bn	5.2bn
Earnings per share (CZK)	≥8.4	10.2
Return on Tangible Equity	≥15.0%	18.0%

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

In 2023, the economy stagnated due to lower household consumption, unemployment remains low; the state budget deficit is at CZK 289 billion

Note: (1) Source: GDP at fixed prices of 2015 based on the Ministry of Finance (www.mfcr.cz); 4Q 2023 estimate; GDP at current prices – 4Q 2022: CZK 1,744bn, 1Q 2023: CZK 1,817bn, 2Q 2023: CZK 1,837bn, 3Q 2023: CZK 1,842bn; GDP Y/Y % change: 4Q 2022 – 4Q 2023 actuals based on the CZSO seasonally adjusted and FY 2023 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, 2023F based on the CNB forecast issued in autumn 2023; (4) Source: www.mfcr.cz.

5

MACROECONOMIC ENVIRONMENT

The CNB cut the 2W repo rate by 25bps to 6.75%; inflation in December decreased to 6.9%

Contribution to inflation by item¹

	FY 2022 % contribution	Dec 2023 % contribution	Dec 2023 Y/Y price change %
Food and beverages	5.0	0.4	1.7
Clothing and footwear	0.7	0.2	6.1
Housing, energy	5.2	4.7	14.2
Health	0.3	0.2	6.6
Transport, telecommunication	1.1	0.1	0.7
Recreation, culture, education	1.2	0.5	6.0
Restaurants and hotels	1.5	0.5	8.5
Other	0.8	0.3	4.9
Total	15.8	6.9	6.9

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.

Our deposits grew in line with the market; retail deposits outperformed market growth by almost three-fold

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.

Market lending growth slowed down; we reduced lending due to a cautious approach during 2023

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.

2022 2023

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 FY 2023. All numbers in units. The percentage represents year-onyear change. (1) Includes transactions via branch and ATM; (2) As of 31 December 2023.

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

USAGE OF DIGITAL PLATFORM

The digital platform users grew almost 13% through the rapid growth of mobile banking

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

Our digital platform attracted 47 thousand new to bank clients

	2023 Achievements	2024 Priorities
Daily banking	• 47ths or 35% of new clients acquired online, 242ths new users or 29% growth of mobile app users • 18% growth in fully online FX exchange volume • 206ths of new retail savings and term products opened fully online	• Deposit pricing personalization & automated retention • Launch 24/7 online currency exchange • New customer loyalty program on payment cards
Credit distribution	• of consumer loans volumes originated online1 55% • 110% growth of fully online distribution of commercial credit cards • Online mortgage underwriting automation	• Digitalisation of consumer loan retention process • Online servicing of consumer and mortgage loans • Launch of omni-channel mortgage platform based on existing online process
Fee income products	• Insurance claims via online channels (51% of claims completed online) • Upgrade of personal item insurance product (+39% revenue increase YoY) • Artificial Intelligence pilot for compliance screening of investment calls	• Online service for life insurance and pension products • Launch of new flexible retirement savings product • Expansion of investments product offering based on extended license

Note: Visits, cash transactions, payment transactions and loan applications during 2023. All numbers in units. The percentage represents year-onyear change. (1) Includes transactions via branch and ATM; (2) Non-cash visits; (3) As of 31 December 2023.

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 5.2 billion, same as last year, representing EPS of CZK 10.2 and a RoTE of 18%

PROFIT AND LOSS (CZK m)	FY 2022	FY 2023	CHANGE
Net interest income	9,311	8,577	(7.9)%
Net fee and commission income	2,298	2,624	14.2%
Other income	507	946	86.6%
OPERATING INCOME	12,116	12,147	0.3%
Operating expenses	(5,594)	(5,730)	2.4%
OPERATING PROFIT	6,522	6,417	(1.6)%
Cost of risk	(90)	(305)	238.9%
PROFIT BEFORE TAX	6,432	6,112	(5.0)%
Income tax	(1,245)	(912)	(26.7)%
NET PROFIT	5,187	5,200	0.3%
Earnings per share	10.2	10.2	0.3%
Return on Tangible Equity	18.7%	18.0%	(0.7)pp
Effective tax rate	19.4%	14.9%	(4.5)pp

Net interest income decline of 7.9% due to higher funding costs; NIM stabilised at 2.1% during 2023 (FY 2022: 2.6%).

Net fee and commission income growth of 14.2% driven by improved terms and conditions as well as stronger distribution of life insurance and pension product.

Other income growth of 86.6% driven by FX conversions and absence of negative revaluation of FX swaps reported in 2022.

Cost base increased by 2.4% due to higher administrative expenses and regulatory charges, Cost to Income ratio at 47.2%.

Cost of risk in 2023 driven by solid core performance and successful NPL disposals.

Effective tax rate decreased from 19.4% to 14.9% as a result of higher volume of Czech government bonds generating tax free income.

Net interest income supported by positive margin on incremental deposits and higher lending yield

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

Third-party product distribution supported net fee and commission income growth

Asset management portfolio expanded by 37% and delivered 10% income growth; commissions for insurance distribution grew by 52%

2022 2023

• 37% growth in outstanding amount of distributed investment funds mainly driven by increased demand for asset management products.
• 9.6% growth in income from investment fund distribution supported by portfolio expansion.
• 51.8% insurance distribution income growth driven by improved commercial conditions and strengthened distribution capacity.

Cost discipline maintained throughout 2023, mitigating inflationary pressures and resulted in marginal increase of cost base

Note: Regulatory charges include mandatory contributions to Deposit Insurance, Resolution and Recovery and Guarantee Funds. ²⁰

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

Stable lending with increasing yield; strong growth in funding base resulted in higher funding costs

Balance sheet expanded to CZK 458 billion which was driven by strong retail deposit growth

Notes: (1) Including reverse repo operations with the CNB; (2) Including CSA from Due to customers in the amount of CZK 491m in 4Q 2022, CZK 424m in 1Q 2023, CZK 373m in 2Q 2023, CZK 398m in 3Q 2023 and CZK 270m in 4Q 2023.

The loan portfolio decreased in line with the plan due to lower mortgage volumes and a cautious lending approach

Gross performing loan portfolio (CZK bn)

Note: (1) Includes investment loans, working capital and commercial auto loans and leasing portfolio. ²⁴

Loan portfolio yield continued to grow in both retail and commercial segments

portfolio yield yield including hedging result

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 result on the yield of the commercial loan portfolio is only marginal.

25

Deposits gathering delivered CZK 70 billion of incremental funding and supported stabilisation of net interest income

Customer deposits and wholesale funding¹ (CZK bn) 4% 75% 21% Proportion on total funding base Retail +22.2% YoY Commercial +11.1% YoY 77.5 82.0 85.5 94.5 86.1 256.3 267.9 282.3 298.1 313.2 12.2 4Q 12.4 1Q 17.6 2Q 16.2 3Q 16.3 4Q 346.0 362.3 385.4 408.8 415.5 +20.1% Wholesale +33.1% YoY 2022 2023

Notes: (1) Excludes opportunistic repo operations and CSA (CZK 4.4bn in 4Q'22, CZK 3.6bn in 1Q'23, CZK 2.9bn in 2Q'23, CZK 2.9bn in 3Q'23 and CZK 0.8bn in 4Q'23); wholesale funding includes Issued bonds, Subordinated liabilities and Due to banks balances.

COST OF FUNDS

Cost of funding growth has decelerated in both retail and commercial segments, wholesale funding impacted by new subordinated deposits

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

Deposit base expansion significantly improved our liquidity position

High-quality liquid assets reached CZK 160 billion, an increase of 86% against the previous year

High-quality liquid assets (CZK bn)

CZK 201 billion of variable rate assets balanced by CZK 242 billion of liabilities with the potential to reprice within 3 months

• Share of variable interest rate assets on total interest earning assets increased from 32% to 46% year-on-year.
• Share of variable interest bearing liabilities on total interest bearing liabilities increased from 51% to 58% year-on-year.
• Simplified sensitivity on static balance sheet estimates that 100bps market rate drop would improve NII by approximately CZK 400 million on an annual basis. 2

Approximately 74% of the loan book will be repriced or repaid within 36 months and is expected to support an increase in overall yield

Loan portfolio as of 31 December 2023 (CZK bn)

Notes: Gross performing loan portfolio. Prepared based on behavioural repricing or repayment. Figures in tables represent cumulative values. ³²

Approximately 57% of deposits can be repriced within 3 months

Notes: Figures in tables represent cumulative values. (1) Building savings are all classified outside the 12-month period as majority is before the end of binding period and those after binding period bear very low rate and thus offer limited capacity for repricing down; (2) Majority of current accounts are classified outside the 12-month period as they bear very low interest rate and thus offer limited capacity for repricing down.

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 CAPITAL RATIOS

On a consolidated basis, our capital position supports the dividend pay-out of 88% while maintaining excess capital of CZK 4.3 billion

Note: (1) Including 100bps of management buffer; (2) Including 75bps of management buffer, which is covered by Tier 1 capital; (3) Excess capital over Tier 1 management capital target, 2023 excess capital and accrued dividend are subject to corporate, regulatory and regulator´s limitations.

35

For 2024, we received the SREP Pillar II requirement of 2.3%, 30 bps lower, which will free up approximately CZK 500 million of capital

Capital requirement on a consolidated basis

	31 December 2023	1 January 2024
Pillar I – CRR requirement	8.0%	8.0%
SREP requirement1 Pillar II –	2.6%	2.3%
CRR capital conservation buffer	2.5%	2.5%
CRR countercyclical buffer	2.0%	2.0%
Total requirement	15.1%	14.8%
Management capital buffer	1.0%	1.0%
MANAGEMENT TARGET	16.1%	15.8%

Capital requirement on an individual basis

	31 December 2023	1 January 2024
MREL – loss absorption amount	10.6%	10.6%
recapitalisation amount2 MREL -	6.6%	6.6%
CRR capital conservation buffer	2.5%	2.5%
CRR countercyclical buffer	2.0%	2.0%
Total requirement	21.7%	21.7%
Management capital buffer	1.0%	1.0%
MANAGEMENT TARGET	22.7%	22.7%

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; (2) 6.6% is the ultimate MREL – recapitalisation amount requirement, which the Bank must fulfil by 31 December 2023.

On an individual basis, we exceed the total MREL management target of 22.7%¹ by 140 basis points

• We fully met the MREL management target of 22.7% effective from 31 December 2023.
• Current MREL position of 24.1% constitutes an excess of 140 basis points above the management target.
• Strong capital position enables to propose dividend pay-out ratio of 88% of the consolidated net profit.

On a consolidated level, we maintain excess capital of CZK 4.3 billion on top of CZK 4.6 billion dividend accrual; in total, CZK 17.3 per share

Note: (1) Including 75bps of management buffer, which is covered by Tier 1 capital; (2) Excess capital over Tier 1 management capital target, 2023 excess capital and accrued dividend are subject to corporate, regulatory and regulator´s limitations; (3) Based on Article 473a of Regulation (EU) No. 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and amending Regulation (EU) No. 648/2012; (4) 88% of FY 2023 net profit; (5) Subject to corporate, regulatory and regulator´s limitations.

38

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

The cost of risk in 2023 was better than expected; the NPL ratio remained low and stable

2023 better than expected cost of risk result thanks to the good credit performance of the portfolio

Cost of risk

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

			2022			2023			2022		2023
METRICS (CZK m)	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q	METRICS (%)	1Q	2Q	3Q	4Q	1Q	2Q	3Q	4Q
COST OF RISK	(95)	(155)	124	216	(116)	146	142	133	COST OF RISK	(0.15)	(0.24)	0.19	0.32	(0.17)	0.22	0.21	0.20
• RETAIL	(66)	(262)	204	115	(114)	113	103	43	• RETAIL	(0.15)	(0.58)	0.44	0.25	(0.25)	0.25	0.23	0.09
• COMMERCIAL	(29)	106	(79)	100	(2)	33	39	90	• COMMERCIAL	(0.14)	0.52	(0.38)	0.48	(0.01)	0.16	0.18	0.42
	CZK 90m			CZK 305m					3bps				11bps

Cost of risk¹

(%, release in brackets, creation without brackets)

• 2023 cost of risk supported by a gain on NPL disposals of CZK 307 million (2022: CZK 243 million). 2
• 2022 cost of risk impacted by the release of Covid-related provisions.

(1) Annualised; (2) 2023 impact into the cost of risk line at CZK 304m and into other operating income line at CZK 3m; in 2022, impact into the cost of risk line at CZK 239m and into other operating income line at CZK 4m.

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. 42

NPL balance remained stable year-on-year, 4Q negatively impacted by a downgrade of a single commercial client

NPL balance and net formation (CZK m)

Note: (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 - 4Q 2023 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

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 48, 49 and 74 of this presentation for limitations of forward-looking statements and their assumptions. (1) 2019 – 2023 represents final data, 2024 – 2028 represents guidance.

In the next 5 years we seek to deliver a cumulative net profit of CZK 27.7 billion or CZK 54.2 per share

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 48, 49 and 74 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	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 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: all data based on internal assumptions.

Projected loans and deposits growth

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 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

Branch office: Ostrava – Nová Karolina

➢ 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

Calendar for 1H 2024

Annual General Meeting

23 April 2024

1Q 2024 Earnings

25 April 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

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

4,054 3,923 4,200 4,019 2,601 3,984 5,187 5,200 5,008 4,088 3,143 1,686 1,533 3,577 4,088 Net profit 4,599 Dividend 2016 2017 2018 2019 2020 2021 2022 2023E¹ 2016-2023E cumulative Pay-out ratio 124% 104% 75% 42%² 59% 90% 79% 88% 84% Dividend per share (CZK) 9.80 8.00 6.15 3.30³ 3.00 7.00 8.00 9.00 54.25 Share price – end of period (CZK) 82.80 82.40 72.50 85.00 68.00 93.75 76.00 93.6 n/a Dividend yield 11.8% 9.7% 8.5% 3.9% 4.4% 7.5% 10.5% 9.6% 66.4%⁴

Net profit and dividend distribution (CZK m)

Note: Dividend policy remains valid as long as MONETA operates at capital adequacy ratio at minimum 100bps above the regulatory capital requirement and subject to variety of other factors and conditions. (1) Subject to corporate, regulatory and regulator's limitations and approval of the Annual General Meeting; (2) In March 2020 The CNB instructed the banking sector to suspend their dividend policies. This recommendation stayed in place until 30 September 2021; (3) CZK 3.30 per share represents interim dividend distributed on 17 December 2019; (4) Calculated as ratio of cumulative dividend for the years 2016-2023 and an average share price during the same period.

54

MONETA delivered a total shareholder return of 36%; above average European banks

Total shareholders return¹ in 2023 (%)

Source: Company information, Bloomberg as of 31 December 2023; (1) Calculated as the sum of share price performance as of 31 December 2023 vs 31 December 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

Decline in retail loan book due to tighter underwriting criteria and continued weak demand

Commercial portfolio growth driven by small business portfolio, auto loans and working capital

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

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

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

34.1 40.4 43.9 48.8 44.4 4Q 1Q 2Q 3Q 4Q 2022 2023

Wholesale funding complements the overall funding base, which is mainly made up of deposits

Notes: (1) Excluding opportunistic repo operations and CSA in the amount of CZK 3.9bn in 4Q'22, CZK 3.2bn in 1Q'23, CZK 2.5bn in 2Q'23, CZK 2.5bn in 3Q'23 and CZK 0.6bn in 4Q'23.

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 position

CZK m	31/12/2023	31/12/20221	% Change
Cash and balances with the central bank	10,871	12,467	(12.8)%
Derivative financial instruments with positive fair values	544	761	(28.5)%
Investment securities	104,353	57,951	80.1%
Hedging derivatives with positive fair values	2,701	4,942	(45.3)%
Change in fair value of items hedged on portfolio basis	122	(2,090)	n/a
Loans and receivables to banks	69,632	37,886	83.8%
Loans and receivables to customers	263,064	268,752	(2.1)%
Intangible assets	3,332	3,379	(1.4)%
Property and equipment	2,400	2,318	3.5%
Investments in subsidiaries and associates	3	3	0.0%
Current tax assets	76	6	1,166.7%
Other assets	1,086	1,135	(4.3)%
TOTAL ASSETS	458,184	387,510	18.2%
Due to banks	5,423	5,953	(8.9)%
Due to customers	399,497	334,251	19.5%
Derivative financial instruments with negative fair values	523	747	(30.0)%
Hedging derivatives with negative fair values	4,548	845	438.2%
Change in fair value of items hedged on portfolio basis	63	(438)	n/a
Issued bonds	3,808	5,520	(31.0)%
Subordinated liabilities	7,604	4,687	62.2%
Provisions	266	306	(13.1)%
Current tax liabilities	54	482	(88.8)%
Deferred tax liabilities	462	496	(6.9)%
Other liabilities	3,733	3,570	4.6%
Total Liabilities	425,981	356,419	19.5%
Share capital	10,220	10,220	0.0%
Statutory reserve	102	102	0.0%
Other reserves	1	1	0.0%
Retained earnings	21,880	20,768	5.4%
Total Equity	32,203	31,091	3.6%
TOTAL LIABILITIES & EQUITY	458,184	387,510	18.2%

Consolidated statement of financial position – quarterly development

CZK m	31/12/20211	31/03/2022	30/06/2022	30/09/2022	31/12/20221	31/03/2023	30/06/2023	30/09/2023	31/12/2023
Cash and balances with the central bank	11,204	12,124	12,080	10,035	12,467	7,441	10,303	13,365	10,871
Derivative financial instruments with positive fair values	400	561	749	768	761	726	652	690	544
Investment securities	49,200	48,863	52,639	53,808	57,951	80,195	80,483	88,056	104,353
Hedging derivatives with positive fair values	3,235	4,120	5,333	5,380	4,942	4,345	3,731	3,991	2,701
Change in fair value of items hedged on portfolio basis	(1,841)	(2,109)	(2,576)	(2,484)	(2,090)	(1,597)	(1,147)	(989)	122
Loans and receivables to banks	15,602	39,605	26,372	28,495	37,886	40,638	55,109	68,120	69,632
Loans and receivables to customers	255,612	257,610	265,860	268,766	268,752	266,012	268,027	268,987	263,064
Intangible assets	3,184	3,267	3,313	3,315	3,379	3,324	3,280	3,252	3,332
Property and equipment	2,631	2,536	2,416	2,297	2,318	2,360	2,361	2,443	2,400
Investments in subsidiaries and associates	2	3	4	2	3	4	4	2	3
Current tax assets	9	2	9	14	6	8	23	33	76
Other assets	984	907	896	940	1,135	1,129	1,003	1,113	1,086
TOTAL ASSETS	340,222	367,489	367,095	371,336	387,510	404,585	423,829	449,063	458,184
Due to banks	12,580	22,723	21,117	6,569	5,953	5,439	7,707	7,379	5,423
Due to customers	285,145	299,125	302,199	320,610	334,251	350,329	368,177	393,012	399,497
Derivative financial instruments with negative fair values	524	683	752	747	747	719	631	674	523
Hedging derivatives with negative fair values	580	742	931	934	845	935	1,545	1,502	4,548
Change in fair value of items hedged on portfolio basis	(598)	(655)	(749)	(595)	(438)	(287)	(169)	(113)	63
Issued bonds	2,422	4,764	4,729	4,096	5,520	5,479	4,909	3,740	3,808
Subordinated liabilities	4,684	4,628	4,669	4,645	4,687	4,630	7,501	7,561	7,604
Provisions	234	241	256	267	306	250	238	308	266
Current tax liabilities	26	248	398	490	482	515	163	146	54
Deferred tax liabilities	384	320	369	406	496	476	408	418	462
Other liabilities	4,760	3,899	3,648	3,140	3,570	3,794	3,238	3,461	3,733
Total Liabilities	310,741	336,718	338,319	341,309	356,419	372,279	394,348	418,088	425,981
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	19,158	20,448	18,453	19,704	20,768	21,983	19,158	20,652	21,880
Total Equity	29,481	30,771	28,776	30,027	31,091	32,306	29,481	30,975	32,203
TOTAL LIABILITIES & EQUITY	340,222	367,489	367,095	371,336	387,510	404,585	423,829	449,063	458,184

FINANCIAL STATEMENTS

Consolidated statement of profit or loss and other comprehensive income

CZK m	FY 2023	FY 2022	% Change
Interest and similar income	22,046	15,591	41.4%
Interest expense and similar charges	(13,469)	(6,280)	114.5%
Net interest income	8,577	9,311	(7.9)%
Fee and commission income	3,217	2,732	17.8%
Fee and commission expense	(593)	(434)	36.6%
Net fee and commission income	2,624	2,298	14.2%
Dividend income	3	4	(25.0)%
Net income from financial operations	889	357	149.0%
Other operating income	54	146	(63.0)%
Total operating income	12,147	12,116	0.3%
Personnel expenses	(2,504)	(2,528)	(0.9)%
Administrative expenses	(1,633)	(1,523)	7.2%
Depreciation and amortisation	(1,233)	(1,249)	(1.3)%
Regulatory charges	(307)	(229)	34.1%
Other operating expenses	(53)	(65)	(18.5)%
Total operating expenses	(5,730)	(5,594)	2.4%
Profit for the period before tax and net impairment of financial assets	6,417	6,522	(1.6)%
Net impairment of financial assets	(305)	(90)	238.9%
Profit for the period before tax	6,112	6,432	(5.0)%
Taxes on income	(912)	(1,245)	(26.7)%
Profit for the period after tax	5,200	5,187	0.3%
Total comprehensive income attributable to the equity holders	5,200	5,187	0.3%

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

CZK m	4Q 2021	1Q 2022	2Q 2022	3Q 2022	4Q 2022	1Q 2023	2Q 2023	3Q 2023	4Q 2023
Interest and similar income	2,720	3,351	3,704	4,002	4,534	4,855	5,374	5,769	6,048
Interest expense and similar charges	(402)	(928)	(1,246)	(1,675)	(2,431)	(2,824)	(3,207)	(3,571)	(3,867)
Net interest income	2,318	2,423	2,458	2,327	2,103	2,031	2,167	2,198	2,181
Fee and commission income	699	637	667	675	753	760	799	836	822
Fee and commission expense	(116)	(121)	(122)	(132)	(59)	(144)	(136)	(154)	(159)
Net fee and commission income	583	516	545	543	694	616	663	682	663
Dividend income	1	1	1	1	1	1	0	1	1
Net income from financial operations	83	70	14	139	134	183	188	278	240
Other operating income	16	14	48	12	72	13	10	21	10
Total operating income	3,001	3,024	3,066	3,022	3,004	2,844	3,028	3,180	3,095
Personnel expenses	(733)	(586)	(611)	(657)	(674)	(578)	(595)	(593)	(738)
Administrative expenses	(379)	(391)	(325)	(378)	(429)	(365)	(415)	(367)	(486)
Depreciation and amortisation	(293)	(312)	(311)	(311)	(315)	(323)	(312)	(304)	(294)
Regulatory charges	0	(218)	(11)	0	0	(267)	(40)	0	0
Other operating expenses	(21)	(13)	(17)	(10)	(25)	(12)	(10)	(12)	(19)
Total operating expenses	(1,426)	(1,520)	(1,275)	(1,356)	(1,443)	(1,545)	(1,372)	(1,276)	(1,537)
Profit for the period before tax and net impairment of financial assets	1,575	1,504	1,791	1,666	1,561	1,299	1,656	1,904	1,558
Net impairment of financial assets	(242)	95	155	(124)	(216)	116	(146)	(142)	(133)
Profit for the period before tax	1,333	1,599	1,946	1,542	1,345	1,415	1,510	1,762	1,425
Taxes on income	(246)	(309)	(364)	(291)	(281)	(200)	(247)	(268)	(197)
Profit for the period after tax	1,087	1,290	1,582	1,251	1,064	1,215	1,263	1,494	1,228
Total comprehensive income attributable to the equity holders	1,087	1,290	1,582	1,251	1,064	1,215	1,263	1,494	1,228

FINANCIAL STATEMENTS

Key performance ratios

Profitability	FY 2023	FY 2022	Change in pp
Yield (% Avg Net Customer Loans)	4.7%	4.2%	0.5
Deposits and Received Loans)1 Cost of Funds (% Avg	3.33%	1.66%	1.67
Cost of Funds on Customer Deposits (% Avg Deposits)	3.30%	1.62%	1.68
2,3,4 NIM (% Avg Int Earning Assets)	2.1%	2.6%	(0.5)
Cost of Risk (% Avg Net Customer Loans)	0.11%	0.03%	0.08
Risk-adj. Yield (% Avg Net Customer Loans)	4.6%	4.2%	0.4
Net Fee & Commission Income / Operating Income (%)	21.6%	19.0%	2.6
Net Non-Interest Income / Operating Income (%)	29.4%	23.2%	6.2
Cost to Income Ratio	47.2%	46.2%	1.0
RoTE	18.0%	18.7%	(0.7)
RoE	16.1%	16.7%	(0.6)
RoAA2	1.2%	1.4%	(0.2)
Liquidity / Leverage
Loan to Deposit ratio	65.9%	80.5%	(14.6)
Total Equity / Total Assets	7.0%	8.0%	(1.0)
Liquid Assets2,3 / Total Assets	43.8%	27.9%	15.9
Liquidity Coverage Ratio	354.4%	213.7%	140.7
Capital Adequacy
RWA density	36.4%	43.4%	(7.0)
Regulatory leverage	5.7%	6.7%	(1.0)
Total CAR (%)	20.1%	18.0%	2.1
Tier 1 Ratio (%)	15.7%	15.3%	0.4
Asset Quality
Non-Performing Loan Ratio (%)	1.4%	1.4%	0.0
Core Non-Performing Loan Coverage (%)	47.9%	53.4%	(5.5)
Total NPL Coverage (%)	121.6%	134.8%	(13.2)
Loan to value ratio (%)5	58.8%	60.4%	(1.6)
Loan to value ratio on new volumes (%, weighted average)5	58.4%	57.5%	0.9
Operating platform			% change
Branch network	134	153	(12.4)%
ATMs6 Own & shared	1,971	1,413	39.5%
Total employees7	2,518	2,699	(6.7)%

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) 2023: ATM network including MONETA ATMs, Komercni banka ATMs, AirBank ATMs and UniCredit Bank ATMs and 2022: ATM network including MONETA ATMs and Komercni banka ATMs; (7) Number of employees at the end of the period, excluding members of the Supervisory Board and the Audit Committee.

Key performance ratios – quarterly development

Profitability	4Q 2021	1Q 2022	2Q 2022	3Q 2022	4Q 2022	1Q 2023	2Q 2023	3Q 2023	4Q 2023
Yield (% Avg Net Customer Loans)	3.9%	4.0%	4.1%	4.3%	4.4%	4.4%	4.6%	4.7%	4.9%
1 Cost of Funds (% Avg Deposits and Received Loans)	0.53%	0.96%	1.23%	1.81%	2.65%	2.94%	3.21%	3.42%	3.58%
Cost of Funds on Customer Deposits (% Avg Deposits)	0.46%	0.91%	1.18%	1.76%	2.63%	2.91%	3.19%	3.39%	3.55%
2,3,4 NIM (% Avg Int Earning Assets)	2.8%	2.8%	2.7%	2.6%	2.3%	2.1%	2.1%	2.1%	2.0%
Cost of Risk (% Avg Net Customer Loans)	0.38%	(0.15)%	(0.24)%	0.19%	0.32%	(0.17)%	0.22%	0.21%	0.20%
Risk-adj. Yield (% Avg Net Customer Loans)	3.5%	4.2%	4.3%	4.1%	4.1%	4.6%	4.4%	4.5%	4.7%
Net Fee & Commission Income / Operating Income (%)	19.4%	17.1%	17.8%	18.0%	23.1%	21.7%	21.9%	21.4%	21.4%
Net Non-Interest Income / Operating Income (%)	22.8%	19.9%	19.8%	23.0%	30.0%	28.6%	28.4%	30.9%	29.5%
Cost to Income Ratio	47.5%	50.3%	41.6%	44.9%	48.0%	54.3%	45.3%	40.1%	49.7%
RoTE	16.5%	18.8%	24.9%	18.7%	15.4%	16.8%	19.3%	21.6%	17.0%
RoE	14.7%	16.8%	22.0%	16.7%	13.7%	15.0%	17.1%	19.3%	15.3%
RoAA2	1.3%	1.5%	1.7%	1.4%	1.1%	1.2%	1.2%	1.4%	1.1%
Liquidity / Leverage
Loan to Deposit ratio	89.7%	87.6%	89.7%	84.0%	80.5%	76.0%	72.9%	68.5%	65.9%
Total Equity / Total Assets	8.7%	8.4%	7.8%	8.1%	8.0%	8.0%	7.0%	6.9%	7.0%
Liquid Assets2,3 / Total Assets	22.3%	27.4%	24.8%	24.9%	27.9%	31.7%	34.4%	37.8%	40.3%
Liquidity Coverage Ratio	177.8%	169.8%	149.3%	197.7%	213.7%	273.9%	284.8%	312.1%	354.4%
Capital Adequacy
RWA density	46.2%	43.7%	45.6%	45.4%	43.4%	41.4%	39.9%	37.6%	36.4%
Regulatory leverage	6.6%	6.6%	6.4%	6.5%	6.7%	6.4%	6.1%	5.8%	5.7%
Total CAR (%)	17.1%	17.7%	16.8%	17.0%	18.0%	18.1%	19.7%	19.9%	20.1%
Tier 1 Ratio (%)	14.4%	15.0%	14.1%	14.3%	15.3%	15.4%	15.4%	15.5%	15.7%
Asset Quality
Non-Performing Loan Ratio (%)	2.2%	1.8%	1.4%	1.4%	1.4%	1.3%	1.3%	1.3%	1.4%
Core Non-Performing Loan Coverage (%)	55.8%	57.3%	56.8%	56.8%	53.4%	51.4%	49.7%	48.2%	47.9%
Total NPL Coverage (%)	101.2%	120.5%	133.8%	137.3%	134.8%	137.1%	133.4%	130.8%	121.6%
Loan to value ratio (%)5	62.4%	62.2%	61.5%	61.0%	60.4%	60.1%	59.8%	59.5%	58.8%
Loan to value ratio on new volumes (%, weighted average)5	59.9%	59.0%	56.3%	61.2%	55.6%	59.3%	60.0%	57.2%	57.8%
Operating platform
Branch network	154	154	154	154	153	140	140	140	134
ATMs6 Own & shared	560	561	1,421	1,415	1,413	2,047	2,058	2,009	1,971
Total employees7	2,981	2,929	2,880	2,799	2,699	2,553	2,511	2,533	2,518

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 at the end of the period, excluding members of the Supervisory Board and the Audit Committee. 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

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 average balance of customer deposits
Acquisition	Means the purchase of the Acquired entities	(% Avg Deposits) / Cost of Funds
Acquisition gain	Difference between final consideration for the Acquired entities and fair market value of acquired assets	CoR or Cost of Risk or Cost of Risk (%	Net impairment of financial assets divided by the average balance of net loans to customers
AFS	Available for sale	Avg Net Customer Loans)	since 2018 based on IFRS 9. If Cost of Risk 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		Ratio (expressed as a percentage) of total operating expenses for the period to total operating
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)	income for the period
Asset Management	Balance of distributed investment funds	CRR	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
Auto	MONETA Auto, s.r.o.
Average balance of net interest earning assets	Two-point average of the beginning and ending balances of Net Interest Earning Assets for the period	CSA	Credit Support Annex is a legal document which regulates credit support (collateral) for derivative transactions
Average balance of net loans to customers	Average of the beginning and ending balances of Loans and receivables to customers for the period	Customer Deposits	Due to customers excluding repo Operations, subordinated liabilities and CSA
Average balance of total assets	Two-point average of the beginning and ending balances of Total Assets for the period	CZK	Czech Koruna
Bank	MONETA Money Bank, a.s.	CZSO	Czech Statistical Office
BB forecast	Bloomberg forecast
bn	Billions	Drawn limit / Overdraft Drawn	Loans and receivables to customer balance
bps	Basis points	E-payment	One-time payment transactions through internet banking or mobile banking
Building savings/Building savings deposits	Saving product, typical for building savings banks. Bank undertakes clients' deposits determined for housing financing. This act is supported by a financial contribution from the state.
	Building savings loan provided based on a building savings product. The bridging loan is	ESG	Environmental, Social and Corporate Governance
Building saving loans/Bridging loans	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
CET1 ratio	CET 1 capital as a percentage of RWA (calculated pursuant to CRR)	Expected credit loss model	based on the extent of credit deterioration of financial assets since origination; Stage 1 – financial assets with no significant increase in credit risk since initial recognition, Stage 2 -
CNB	Czech National Bank		financial assets with significant increase in credit risk since initial recognition but not in default, Stage 3 – financial assets in default
Cost of Funds (% Avg Deposits)	Interest expense and similar charges for the period (excl. deposit interest rate swaps and opportunistic repo interest expenses) divided by the average balance of Due to banks, Due to customers and issued bonds and subordinated liabilities, excl. opportunistic repo operations and CSA	FTE	Figure states full time equivalents in the last month of the quarter

GLOSSARY 2/3

FVTOCI	Financial assets measured at Fair Value Through Other Comprehensive Income	Market share – consumer loans	Consumer loans = Non-purposed and purposed consumer loans, debt consolidations, additional
			loan and American mortgages. Source: the CNB ARAD, MMB in IFRS unconsolidated according to the CNB definitions, gross
FVTPL	Financial assets measured at Fair Value Through Profit or Loss		loans excluding non-residents and loans in foreign currency, the CNB annualised average
Funding Base	Sum of Due to customers, Due to Banks, Issued Bonds and subordinated liabilities and excluding		weighted rate
	opportunistic repo operations and CSA	M&A	Merger and Acquisition
FY	Financial year	Market interest rates	Based on the CNB ARAD
GDP	Gross domestic product	MPSV	Ministry of Labour and Social Affairs
Group	The Bank and its subsidiaries	MONETA	MONETA has the same meaning as the Group
	Performing loans and receivables to customers as determined in accordance with the	MREL	Minimum Requirement of Own Funds and Eligible Liabilities
Gross performing loans	MONETA's loan receivables categorisation rules (Standard, Watch)	MSS	MONETA Stavební Spořitelna, a.s. (formerly Wüstenrot – stavební spořitelna, a.s.)
IFRS	International Financial Reporting Standards	Net Income/Net Profit	Profit for the period after tax
	All interest and non-interest income generated by each lending product within the segment, minus Cost of Funds allocated to each lending product (by using average Group core Cost of Funds and leverage), minus cost of IR hedging allocated to each lending product and minus	Net Interest Earning Assets	Cash and balances with the central bank, investment securities, loans and receivables to banks, loans and receivables to customers and prior to transition to IFRS 9 also financial assets at fair value through profit or loss, financial assets available for sale, financial assets held to maturity
Incremental ROE	credit losses booked on each lending product for the period (=RAOI), divided by average equity allocated to each lending product by using leverage (=Equity)	NII	Net Interest Income
		Net Interest Margin or NIM	Net interest and similar income divided by the average balance of net interest earning assets
	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)	Net Non-Interest Income	Total operating income less net interest and similar income for the period
Investment securities		New volume / New production	Aggregate of loan principal disbursed in the period for non-revolving loans
Issued securities	Issued bonds and Subordinated liabilities	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
k/ths	Thousands		specific type of the loan product. Revolving products (credit cards and working capital): weighted average of contractual rate on newly originated loans (credit limit)
KPI	Key performance indicator
Leasing	MONETA Leasing, s.r.o.	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
Liquid Assets	Liquid assets comprise cash and balances with central banks, investment securities (not	NPL Ratio	Ratio (expressed as a percentage) of NPL to gross loans and receivables to customers
	transferred as collateral in repurchase agreements), loans and receivables to banks	NPL Coverage / Coverage / Total NPL Coverage	Ratio (expressed as a percentage) of loss allowances for loans and advances to customers to NPL
LCR/Liquidity Coverage Ratio Loan from building savings	Liquidity Coverage Ratio measures the ratio (expressed as a percentage) of a 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 Client obtains a guaranteed interest rate for the entire period of loan repayment and has the right to early loan repayment without the risk of penalties	OCI	Other Comprehensive Income
		Online Origination	Represents new volume originated from online applications and leads (client with contact details)
		Operating profit	Operating profit represents profit for the period before tax and Cost of Risk.
		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 deposits excluding subordinated liabilities, CSA and repos.	OPEX / Cost Base	Total operating expenses
M / m	Millions		Repo transactions with counterparties which are closed on a back-to-back basis by reverse repo
		Opportunistic repo operations	transactions with the CNB
Management overlay	Increment to expected credit loss estimate which compensates insufficient sensitivity of core IFRS 9 model to specific macroeconomic conditions	Overall portfolio coverage	Ratio (expressed as a percentage) of total loss allowances for loans and advances to customers over gross loan portfolio balance

GLOSSARY 3/3

POCI	POCI means purchased or originated financial asset(s) that are credit-impaired on initial recognition and indicates that a financial asset is credit-impaired when one or more events that have a detrimental impact on the estimated future cash flows of that financial asset have occurred	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
PL	Performing loans	Small Business clients	Clients or enterprises with an annual turnover of up to CZK 60 million
Portfolio yield	Please refer to the definition of yield	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
Q	Quarter
QtQ	Quarter-to-quarter	Small Business (new) production	New volume of unsecured instalment loans and receivables to Small Business customers
RAOI	All interest and non-interest income generated by each lending product within the segment, minus Cost of Funds allocated to each lending product (by using average Group core Cost of Funds and leverage), minus cost of IR hedging allocated to each lending product and minus	SME / SME clients	Clients or enterprises who have their product on identification number with an annual turnover above CZK 60 million
		SREP	Supervisory Review and Evaluation Process, when supervisor regularly assesses and measures the risks for each bank
Regulatory Capital	credit losses booked on each lending product for the period 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)	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
		Supplementary housing loans	MSS portfolio – retail bridging loans and building savings loans.
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	Tangible Equity	Calculated as total equity less intangible assets and goodwill
		Tier 1 Capital	The aggregate of Common equity tier 1 (CET1 Capital) and Additional Tier 1 which mainly consists of capital instruments and other items (including certain unsecured subordinated debt instruments without a maturity date) provided in Art. 51 of CRR
		Tier 1 Capital Ratio	Tier 1 Capital as a percentage of risk-weighted assets
Return on Tangible Equity or RoTE	Return on tangible equity calculated as annualised profit after tax for the period divided by tangible equity	Tier 2 Capital, T2	Regulatory Capital which consists of capital instruments, subordinated loans and other items (including certain unsecured subordinated debt obligations with payment restrictions) provided in Art. 62 of CRR
Retail clients	Clients/individuals who have their product signed using their personal identification number	Total Capital Ratio	Tier 1 Capital and Tier 2 Capital as a percentage of risk-weighted assets
Retail unsecured instalment loans/ Consumer loans/Unsecured	Non-purpose, unsecured and revolving loans to retail clients; including building savings and bridging loans	Total NPL Coverage	Ratio (expressed as a percentage) of individual and portfolio provisions for loans and receivables to total non-performing loans and receivables
consumer loans		Total Shareholder Return/TSR	Total Shareholder Return based on the Bloomberg methodology including reinvested dividend
Return on average assets or RoAA	Return on average assets calculated as annualised profit after tax for the period divided by average balance of total assets	WHB	Wüstenrot hypoteční banka a.s. (Mortgage bank)
Return on Equity or RoE	Return on equity calculated as annualised profit after tax for the period divided by total equity	Y	Year
RWA	Risk-Weighted Assets calculated pursuant to CRR	Yield (% Avg. Net Customer Loans)	Interest and similar income from loans to customers divided by the average balance of net loans to customers
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	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 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

www.moneta.cz