Moneta Money Bank A.S.

Investor Presentation • Jul 24, 2025

1H 2025 Results

Published on 24 July 2025 at 07:00 CET

According to IFRS, Consolidated, Unaudited

MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION

1H 2025 Key highlights

(in CZK)

• Operating income of CZK 6.8 billion (+9.1%) driven by growth in both net interest income (+13.7%) and net fee and commission income (+11.7%)
• Operating expenses kept stable at CZK 2.9 billion (+1.2%) resulting in adjusted cost to income ratio 40.9%¹
• Net profit of CZK 3.1 billion (+14.4%) on track to deliver and potentially outperform market guidance by CZK 300-400 million
• Total balance sheet reached CZK 503 billion (+4.0%), supported by expansion of funding base (+4.2%) and loan portfolio growth (+4.4%)

Note: Percentage change represents movement compared to 1H 2024. (1) Reported cost to income ratio at 42.3%; (2) Gross performing portfolio.

1H 2025 Key highlights

(in CZK)

• Capital adequacy ratio at 18.5%, excess of CZK 5.5 billion or 3.3pp above the capital management target1
• MREL ratio at 27.8%, comfortably above the management target of 22.4%
• Return on Tangible Equity at 23.4% (+3.4pp) well above the minimum guidance of 20%
• Liquidity position maintained strong with LCR at 339% (0.5pp), supported by continued deposit growth

Key messages (1/2)

Lending growth	Aiming at overall lending growth of 5.5−6.0%, more than double the GDP growth of the Czech Republic. Focusing on lending to small business and SME to maximise margins and minimise capital deployment, as reflected in a commercial book growth of 8.7% YoY in June. The retail segment grew by 2.3% YoY.
Deposit growth	Seeking to deliver customer deposit base growth of 2.0−2.5%, while further decreasing cost of funding. In June 2025, the average CoF on customer deposits stood at 1.96% and we target a reduction to 1.70-1.75% by December 2025, assuming an additional rate cut of 25bps in 2H 2025.
Net interest margin	Seeking to deliver net interest margin improvement to 2.05−2.15% at year-end through the reduction of cost of funds and the utilisation of free liquidity for loan portfolio growth and mortgage book repricing. NIM improvement supported by a focus on high-margin lending, namely to the small business segment.
3rd party product distribution	Aspiring to achieve year-end target of CZK 75 billion in distributed asset management products, representing a growth of 25−30%. Additionally, taking steps to improve the distribution of life insurance and pension funds through changes in incentive schemes.

Key messages (2/2)

Cost management	Maintaining tight cost control, targeting C/I ratio between 41−42%, mainly through productivity improvements, reduction of cash services, deployment of AI in contact centre, closure of the least productive branches and ATMs and reduction of remote work options. Potential upside of CZK 75−125 million against the guidance.
Risk management	Focus on delivering cost of risk charge below the mid-point of the guidance (17.5-22.5bps). Aiming to maintain balance sheet health with NPL ratio in the range of 1.2−1.4%. Additionally, aspiring to dispose of CZK 300−600 million in NPL assets in 2H 2025, subject to market conditions.
Net profit performance	Seeking to deliver a net profit in the range of CZK 6.3−6.4 billion, potentially exceeding the guidance by CZK 300−400 million, delivering earnings growth of 8−10% compared to the 2024 result. If the upside materialises, earnings per share would constitute CZK 12.3−12.5 against the guidance of CZK 11.7.
Distributions to shareholders	Current earnings are accrued at a 90% level into the dividend account, which represents a dividend of CZK 10.6 per share if a minimum net profit of CZK 6.0 billion is delivered. If the guidance upside of CZK 300−400 million materialises, the dividend would amount to CZK 11.1 – 11.3 per share.

Content

• Macroeconomic Environment 01
• Operating Platform 02
• Profit and Loss Development 03
• Balance Sheet Development 04
• Risk Metrics & Asset Quality 05
• Liquidity Development 06
• Capital Management 07
• 2025 2029 Market Guidance 08
• Appendix 09

Czech economy grew by 2.4%; unemployment remains low and stable; state budget deficit forecasted at CZK 241 billion

Note: (1) Source: GDP at constant prices of 2020 based on the Czech Statistical Office (CZSO); GDP at current prices – 1Q 2024: CZK 1,976bn, 2Q 2024: CZK 2,001bn, 3Q 2024: CZK 2,027bn, 4Q 2024: CZK 2,051bn, 1Q 2025: CZK 2,085bn; GDP Y/Y % change: 1Q 2024–1Q 2025 actuals based on the CZSO seasonally adjusted, FY 2024 based on the CZSO and 2025 based on the CNB forecast; (2) Euro area data: www.ec.europa.eu/eurostat as at 22 April 2025; (3) ILO methodology; (4) Source: www.mfcr.cz.

MACROECONOMIC ENVIRONMENT

Inflation broadly stable below 3%; the 2-week repo rate decreased to 3.50%

7.00%

6.75%

Contribution to inflation by item¹

	Dec'2024 % contribution	Jun'2025 % contribution	Jun'2025 Y/Y price change %
Food and beverages	0.7	1.5	5.5
Clothing and footwear	0.0	(0.1)	(1.5)
Housing, energy	1.1	0.6	2.0
Health	0.1	0.1	3.7
Transport, telecommunication	0.1	(0.1)	(1.1)
Recreation, culture, education	0.4	0.4	4.7
Restaurants and hotels	0.4	0.3	4.8
Other	0.2	0.2	3.4
Total	3.0	2.9	2.9

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

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

3.0%

Inflation and consumer price index1 (year-over-year % change)

2W repo rate (end of period)

6.25%

5.75%

5.25%

4.75%

4.50%

4.25%

4.00%

3.75%

3.50%

Content

Macroeconomic Environment 01

Operating Platform 02

• Profit and Loss Development 03
• Balance Sheet Development 04
• Risk Metrics & Asset Quality 05
• Liquidity Development 06
• Capital Management 07
• 2025 2029 Market Guidance 08
• Appendix 09

Overall business platform

consists of three service and sales distribution channels:

• Digital platform
• Branch network
• Contact centre

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

Note: Numbers as at 30 June 2025. The percentage represents the year-on-year change. (1) Out of which 795 ATMs have a deposit function (41%); (2) Average FTEs in 1H 2025; (3) Includes control and enabling functions.

Digital platform

is a critical distribution and service channel consisting of four key pillars:

• Web: www.moneta.cz
• Web: www.hypoteka.cz
• Mobile: Smart Banka
• Internet: Internet Banka

Mobile application – Smart Banka is the key component, enabling access to 52 products and more than 230 service functions

Note: Payment transactions, servicing transactions and sales transactions during 1H 2025. All numbers in units. The percentage represents the year-on-year change. (1) Digital platform users include clients and authorised signatories, combination of Smart Banka and Internet Banka.

Branch network

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

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

Note: Visits, distribution of 3rd party products and loan applications during 1H 2025. NPS for June 2025. Distribution of 3rd party products and loan applications in a number of units. The percentage represents the year-on-year change. (1) As at 30 June 2025; (2) Average FTEs in 1H 2025. Includes retail, SME and small business bankers; (3) June 2025 retail client NPS = Net promoter score is the difference between the % of promoters and the % of detractors. Based on a survey focused on satisfaction with request handling; (4) Non-cash visits; (5) In number of units – includes 3rd party products such as number of insurance policies and number of individual investments into wealth management products.

Contact centre

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

• Telephone
• Email
• Web
• Chats
• Social media

Note: Average number of FTEs in 1H 2025, NPS for 1H 2025, other data cumulative during 1H 2025 for retail and commercial clients. The percentage and percentage points represent the year-on-year change. (1) Inbound traffic = number of answered incoming calls; (2) 1H 2025 retail client NPS = Net promoter score is the difference between the % of promoters and the % of detractors. Based on a survey on consumer products; (3) Percentage of calls answered out of total incoming calls, including resolved customer requests from missed calls that were called back; (4) Email communication = number of answered emails or messages from Internet Banka, web forms, chats or social media; (5) Lifetime income estimate of all insurance units sold.

ATM network

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

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

Content

• Macroeconomic Environment 01
• Operating Platform 02
• Profit and Loss Development 03
• Balance Sheet Development 04
• Risk Metrics & Asset Quality 05
• Liquidity Development 06
• Capital Management 07
• 2025 2029 Market Guidance 08
• Appendix 09

Net profit driven by strong operating income growth and stable cost base; cost of risk in line with expectations

PROFIT AND LOSS (CZK m)	1H 2024	1H 2025	CHANGE YoY
Net interest income	4,185	4,758	13.7%
Net fee and commission income	1,492	1,666	11.7%
Other income	545	366	(32.8)%
OPERATING INCOME	6,222	6,790	9.1%
Operating expenses	(2,839)	(2,873)	1.2%
OPERATING PROFIT	3,383	3,917	15.8%
Cost of risk	(237)	(268)	13.1%
PROFIT BEFORE TAX	3,146	3,649	16.0%
Income tax	(442)	(555)	25.6%
NET PROFIT	2,704	3,094	14.4%
Earnings per share	5.3	6.1	14.4%
Return on Tangible Equity	20.0%	23.4%	3.4pp
Effective tax rate	14.0%	15.2%	1.2pp

Net interest income growth driven by higher lending income and lower deposit expense (NIM improved to 1.9% compared to 1.8% in 1H 2024, CoF at a level of 2.2% compared to 3.4% in 1H 2024)

Net fee and commission income growth driven mainly by the strong distribution of wealth management products (+22.2% or CZK 74 million YoY) and 25% lower fee expenses

Other income impacted by lower FX derivative result and absence of bond sale gain in 1H 2025

Cost base remained stable. Adjusted cost to income ratio at 40.9%¹

Cost of risk of CZK 268 million or 19bps in line with provided guidance

Net profit of CZK 3.1 billion, up by 14.4% with RoTE at 23.4%

Note: (1) Reported cost to income ratio at 42.3%.

NII growth primarily driven by deposit repricing; partially offset by lower treasury income reflecting 2-week repo rate decline

Net interest income (CZK m)

Interest income on loans (CZK m, YoY absolute change)

Treasury and other net interest income¹ (CZK m)

Interest expense on customer deposits (CZK m)

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

Growth driven by reduced fee expense and improved servicing and transactional fees; wealth management under pressure in April

Net fee and commission income (CZK m)

Fee expense (CZK m) Fee income (CZK m) (165) (165) (194) (111) (119) 289 289 323 296 285 ^{189 179 226 219 189} 2Q'24 3Q'24 4Q'24 1Q'25 2Q'25 ^{478 468 549 515 474} 360 365 376 347 376 2Q'24 3Q'24 4Q'24 1Q'25 2Q'25 439 86 451 83 459 444 87 463 79 97 Wealth mngt 0.0% YoY Insurance (1.4)% YoY 2Q'24 3Q'24 4Q'24 1Q'24 2Q'25 Penalty +10.1% YoY Transactional & Servicing +4.4% YoY Fee expense (27.9)% YoY

Third-party commission income (CZK m)

Cross-selling of wealth management products contributed to 22% commission income growth; outstanding amount expanded by 38%

Commissions from wealth management product distribution (CZK m)

Outstanding amount of distributed wealth management products (CZK m)

+22.2%		1H 2024	1H 2025	Change
	Number of licensed staff (MiFiD)	533	549	+3.0%
	Wealth management specialists	53	65	+22.6%
	Distributed volume (CZK m)	11,546	10,654	(7.7)%
	Attrition (% avg balance, p.a.)	12.1%	12.2%	+0.1pp
+38.4%
67,440	Opening fee (CZK m)	126	155	+23.0%
	Trailer fee (CZK m)	207	253	+22.2%

Note: Number of licensed staff and wealth management specialists as at 30 June of the relevant year. Number of licensed staff for the retail segment.

Recurrent insurance income remained stable, while reported income is lower due to positive one-offs in 1H 2024

Commissions from insurance product distribution (CZK m)

Payment protection insurance – gross written premium (CZK m)

Cost base stable as a result of slightly higher administrative costs offset by savings achieved in all other categories

Operating expenses (CZK m) Key highlights

• Regulatory charges decreased by 9.7% or CZK 21 million primarily due to lower contribution to the Resolution Fund
• Administrative and Other expenses increased by 11.1% or CZK 86 million mainly due to higher IT and facilities expenses
• Personnel expenses went down by 1.0% or CZK 12 million due to employment base reduction by 2.0% to 2,461 FTEs¹
• Adjusted cost to income ratio decreased by 3pp to 40.9%

Content

• Macroeconomic Environment 01
• Operating Platform 02
• Profit and Loss Development 03
• Balance Sheet Development 04
• Risk Metrics & Asset Quality 05
• Liquidity Development 06
• Capital Management 07
• 2025 2029 Market Guidance 08
• Appendix 09

Loan growth continued, supported by funding base expansion despite a significant decline in cost of funding

Loan portfolio yield (average)

Note: Loan portfolio = gross performing receivables.

Funding base (CZK bn)

Cost of funding (average)

23

The balance sheet continued to grow by 4% YoY through ongoing deposit base expansion

Assets (CZK bn) Equity and liabilities (CZK bn)

Notes: (1) Including reverse repo operations with the CNB; (2) Including CSA from Due to customers in the amount of CZK 253m at the end of 2Q 2024, CZK 197m at the end of 3Q 2024, CZK 215m at the end of 4Q 2024, CZK 200m at the end of 1Q 2025 and CZK 175m at the end of 2Q 2025.

New lending volume grew by 24% due to intensified focus on lending activity across all products

New lending volume (CZK bn)

New retail lending volume (CZK bn)

New commercial lending volume (CZK bn)

LOAN PORTFOLIO

Double-digit growth in the small business segment accompanied by strong SME growth and slower growth in retail

Loan portfolio (CZK bn)

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

RETAIL LOAN PORTFOLIO DEVELOPMENT

Retail loan portfolio growth driven by mortgage and consumer lending

Retail loan portfolio (CZK bn)

Notes: (1) Loan to value ratio on the performing mortgage portfolio at 52.5% as at 30 June 2025; (2) Other loans include housing loans, credit cards and overdrafts.

Commercial lending produced strong growth in small business and investment loans

Commercial loan portfolio (CZK bn)

Notes: (1) Auto loan portfolio includes financing of agriculture equipment (Smart Finance) and portfolio of MONETA Leasing; (2) Investment loan portfolio includes housing loans.

Loan portfolio yield remained stable; commercial yield impacted by declining short-term interest rate environment

Loan portfolio yield (%)

Retail loan portfolio yield (%)

Commercial loan portfolio yield (%)

Funding base grew by 4.2%, mainly due to growth in customer deposits and bond issuances to cover the MREL requirement

Customer deposits and wholesale funding¹ (CZK bn)

Notes: (1) Wholesale funding consists of Issued bonds and Subordinated liabilities, both of which support the Bank's capital position on an individual and consolidated basis. The balance also includes Due to banks balances (excl. opportunistic repo operations and CSA).

Continued cost of funds reduction delivered NIM improvement and offset impact of the mandatory deposit reserve doubling

Monthly development of customer deposits and funding cost (%, CZK bn)

31

Retail deposit growth achieved across all deposit categories, accelerated in 1H 2025

Retail customer deposits (CZK bn)

Notes: (1) Including building savings accounts.

Deposit growth was also achieved in the commercial segment, predominantly in current accounts

Commercial customer deposits (CZK bn)

Cost of funds reduction continued and supported improvement in net interest income and net interest margin

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 01
• Operating Platform 02
• Profit and Loss Development 03
• Balance Sheet Development 04
• Risk Metrics & Asset Quality 05
• Liquidity Development 06
• Capital Management 07
• 2025 2029 Market Guidance 08
• Appendix 09

Cost of risk at 19bps is in line with expectations; NPL ratio reduced to historically low level

Cost of risk (release in brackets, creation without brackets, YtD)

Non-performing loan ratio

Loan loss provision coverage

Total non-performing loan coverage

Cost of risk supported by strong core performance and management overlay releases

Cost of risk

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

			2024	2025
	2Q	3Q	4Q	1Q	2Q
COST OF RISK	102	114	35	151	117
Retail	85	167	82	181	61
Commercial	17	(53)	(48)	(30)	56

• 1H 2025 cost of risk at CZK 268 million or 19bps (1H 2024: CZK 237 million or 18bps); a gain on NPL disposals at CZK 54 million (1H 2024: CZK 43 million).1

Annualised cost of risk

(%, release in brackets, creation without brackets, QtD)

Note: (1) 1H 2025: impact into the cost of risk line at CZK 49m and into other operating income line at CZK 6m; 1H 2024: impact into the cost of risk line at CZK 42m and into other operating income line at CZK 1m.

Gradual reduction of the management overlay; maintained stable loan loss provisions

Gross loan portfolio (CZK m)

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

Loan loss provisions (CZK m)

Continued decline in NPL balance thanks to disposals, repayments and low formation

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.

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

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

Note: 30+ delinquency represents due exposures in the range between 30 and 60 days past due, 60+ delinquency represents due exposures in the range between 60 and 90 days past due, 90+ delinquency represents due exposures more than 90 days past due.

Content

• Macroeconomic Environment 01
• Operating Platform 02
• Profit and Loss Development 03
• Balance Sheet Development 04
• Risk Metrics & Asset Quality 05
• Liquidity Development 06
• Capital Management 07
• 2025 2029 Market Guidance 08
• Appendix 09

Liquidity ratios remained stable and strong

Liquidity coverage ratio

Loan to deposit ratio

Share of high-quality liquid assets on customer deposits

Net stable funding ratio

HQLA position represents one third of the balance sheet; free liquidity managed to support net interest income and margin

High-quality liquid assets (CZK bn)

Content

• Macroeconomic Environment 01
• Operating Platform 02
• Profit and Loss Development 03
• Balance Sheet Development 04
• Risk Metrics & Asset Quality 05
• Liquidity Development 06
• Capital Management 07
• 2025 2029 Market Guidance 08
• Appendix 09

MONETA maintains strong capital position; RWA declined by 3.3% mainly due to positive impact from CRR3 implementation

(4) Excess capital over Tier 1 management capital target of 12.23% as at 31 December 2024 and 12.50% as at 30 June 2025.

On a consolidated level, RWA density positively impacted by CRR3 implementation; excess capital kept stable at CZK 5.5bn

requirements for credit institutions and amending Regulation (EU) No. 648/2012, change of T2 capital, changes in intangibles and other; (4) 90% of 1H 2025 net profit.

46

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

Content

• Macroeconomic Environment 01
• Operating Platform 02
• Profit and Loss Development 03
• Balance Sheet Development 04
• Risk Metrics & Asset Quality 05
• Liquidity Development 06
• Capital Management 07
• 2025 – 2029 Market Guidance 08
• Appendix 09

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

Metrics	2025	2026	2027	2028	2029	CAGR 2025-2029
Total operating income (CZK bn)	13.6	14.6	15.1	15.8	16.5	5.0%
Total operating expenses (CZK bn)	(5.9)	(6.1)	(6.2)	(6.4)	(6.6)	2.8%
Operating profit (CZK bn)	7.7	8.5	8.9	9.4	9.9	6.5%
Cost of risk (bps)	(15-35)	(25-45)	(25-45)	(25-45)	(25-45)	-
Effective tax rate1	15.5%	15.5%	15.5%	15.5%	15.5%	-
NET PROFIT (CZK bn)	6.0	6.3	6.6	7.0	7.4	5.4%
Earnings per share (CZK)	11.7	12.3	12.9	13.7	14.5	5.4%
Dividend per share (CZK)	10.6	11.1	11.6	12.3	13.0	5.4%
Return on Tangible Equity	20%	20%	21%	21%	22%	-

Note: Please see pages 50, 51 and 78 of this presentation for limitations of forward-looking statements and their assumptions. (1) Assuming no changes in the current tax regulation.

Macroeconomic assumptions for medium-term guidance

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

Note: Please see also pages 51 and 78 for limitations of forward-looking statements and their assumptions. Source 2025-2026: GDP, unemployment and inflation rates based on the CNB forecast issued in autumn 2024; 2W repo rate and 1M Pribor based on internal assumptions. 2027 – 2029: all data based on internal assumptions.

Projected loans and deposits growth

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

Note: Please see also pages 50 and 78 for limitations of forward-looking statements and their assumptions.

Content

• Macroeconomic Environment 01
• Operating Platform 02
• Profit and Loss Development 03
• Balance Sheet Development 04
• Risk Metrics & Asset Quality 05
• Liquidity Development 06
• Capital Management 07
• 2025 2029 Market Guidance 08
• Appendix 09

Appendix

• Events with Investors •
• Net Profit Evolution 2020 2029 •
• Distributed Dividends and Total Shareholder Return •
• Capital Requirements •
• Issued Bonds Overview •
• Deposit and Lending Market •
• Financial Statements & Key Performance Ratios •
• Glossary of Terms •

Calendar for 3Q 2025

Goldman Sachs

CEEMEA Financials Symposium, London 9 September 2025

Baader's

Investment Conference, Munich 24 September 2025

3Q 2025 Earnings

23 October 2025

Appendix

• Events with Investors •
• Net Profit Evolution 2020 2029 •
• Distributed Dividends and Total Shareholder Return •
• Capital Requirements •
• Issued Bonds Overview •
• Deposit and Lending Market •
• Financial Statements & Key Performance Ratios •
• Glossary of Terms •

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

Note: Guidance is subject to change based on actual financial results of the Group in the years 2025 to 2029 and corporate, regulatory and regulator's limitations. Please see pages 50, 51 and 78 of this presentation for limitations of forward-looking statements and their assumptions.(1) 2020 – 2024 represents final data, 2025 – 2029 represents guidance.

Appendix

• Events with Investors •
• Net Profit Evolution 2020 2029 •
• Distributed Dividends and Total Shareholder Return •
• Capital Requirements •
• Issued Bonds Overview •
• Deposit and Lending Market •
• Financial Statements & Key Performance Ratios •
• Glossary of Terms •

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

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 a 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) 2024 includes a dividend from the 2024 net profit in the amount of CZK 10 per share and an extraordinary dividend distributed from the Bank's retained earnings of previous years in the amount of CZK 3 per share; (4) Calculated as the ratio of cumulative dividends for the years 2016-2024 to the average of share prices during the same period.

MONETA delivered a total shareholder return of 86%, above European banks' average

Total shareholders return1 as at 30 June 2025 (%)

Source: Company information, Bloomberg as at 30 June 2025; Note: (1) Calculated as the sum of share price performance as at 30 June 2025 vs 31 December 2023 and reinvested dividends paid in 2024 and 2025; (2) EuroStoxx incl. 42 banks from the SX7P STOXX Europe 600 Banks Index.

Appendix

• Events with Investors •
• Net Profit Evolution 2020 2029 •
• Distributed Dividends and Total Shareholder Return •
• Capital Requirements •
• Issued Bonds Overview •
• Deposit and Lending Market •
• Financial Statements & Key Performance Ratios •
• Glossary of Terms •

2025 capital requirement on a consolidated basis increased by 20bps and on an individual basis by 40bps against December 2024

Capital requirement on a consolidated basis Capital requirement on an individual basis

	31/12 2024	31/03 2025	30/06 2025		31/12 2024	31/03 2025	30/06 2025
Pillar I – CRR requirement	8.0%	8.0%	8.0%	MREL – loss absorption amount	10.3%	10.0%	10.0%
SREP requirement1 Pillar II –	2.3%	2.0%	2.0%	MREL - recapitalisation amount	6.9%	7.1%	7.1%
CRR capital conservation buffer	2.5%	2.5%	2.5%	CRR capital conservation buffer	2.5%	2.5%	2.5%
CRR countercyclical buffer	1.25%	1.25%	1.25%	CRR countercyclical buffer	1.25%	1.25%	1.25%
Systemic risk buffer	-	0.5%	0.5%	Systemic risk buffer	-	0.5%	0.5%
Total requirement	14.05%	14.25%	14.25%	Total requirement	20.95%	21.35%	21.35%
Management capital buffer	1.0%	1.0%	1.0%	Management capital buffer	1.0%	1.0%	1.0%
MANAGEMENT TARGET	15.05%	15.25%	15.25%	MANAGEMENT TARGET	21.95%	22.35%	22.35%

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. In 2025 last change of requirements valid from 28/02/2025. (1) Although the Pillar II capital requirement was set only on a consolidated basis, its value is used with a delay in setting the MREL requirement on an individual basis.

Appendix

• Events with Investors
• Net Profit Evolution 2020 2029
• Distributed Dividends and Total Shareholder Return
• Capital Requirements
• Issued Bonds Overview
• Deposit and Lending Market
• Financial Statements & Key Performance Ratios
• Glossary of Terms

In 3Q 2025, MONETA seeks to issue T2 capital instrument in the amount of EUR 100 million to further optimise capital structure

Bond type/ISIN	Issue date	Currency	Nominal (million)	Interest type	Interest rate	First call option	Maturity	Moody's rating
Tier 2 CZ0003704918	25 Sep 2019	CZK	2,001	Float	5.23% p.a.	After 5 years	25 Sep 2029	Baa2
Tier 2 CZ0003705188	30 Jan 2020	CZK	2,601	Float	5.47% p.a.	After 5 years	30 Jan 2030	Baa2
Senior Unsecured2 XS2435601443	3 Feb 2022	EUR	100	Fixed to float	1 1.625% p.a.	After 5 years	3 Feb 2028	A3
Senior Unsecured2 CZ0003707671	15 Dec 2022	CZK	1,500	Fixed	8.00% p.a.	After 3 years	15 Dec 2026	n/a
Senior Unsecured2 XS2898794982	11 Sep 2024	EUR	300	Fixed to float	1 4.414% p.a.	After 5 years	11 Sep 2030	A3

Note: (1) First five years fixed rate; (2) MREL eligible instrument.

Appendix

• Events with Investors •
• Net Profit Evolution 2020 2029 •
• Distributed Dividends and Total Shareholder Return •
• Capital Requirements •
• Issued Bonds Overview •
• Deposit and Lending Market •
• Financial Statements & Key Performance Ratios •
• Glossary of Terms •

Deposit market (CZK bn)

MONETA's growth was in line with the deposit market and outperformed the market in the commercial segment

Commercial deposits (CZK bn)

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

Lending market – Gross loans (CZK bn)

MONETA outperformed the lending market growth in the commercial segment

Retail gross loans (CZK bn)

Commercial gross loans (CZK bn)

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

Appendix

• Events with Investors •
• Net Profit Evolution 2020 2029 •
• Distributed Dividends and Total Shareholder Return •
• Capital Requirements •
• Issued Bonds Overview •
• Deposit and Lending Market •
• Financial Statements & Key Performance Ratios •
• Glossary of Terms •

Consolidated statement of financial position

CZK m	30/06/2024	31/12/20241	30/06/2025	YtD % Change	YoY % Change
Cash and cash balances at the central bank	9,468	13,541	21,476	58.6%	126.8%
Derivative financial instruments with positive fair values	575	596	494	(17.1)%	(14.1)%
Investment securities	101,967	116,664	123,727	6.1%	21.3%
Hedging derivatives with positive fair values	2,669	2,314	2,159	(6.7)%	(19.1)%
Change in fair value of items hedged on portfolio basis	74	200	207	3.5%	179.7%
Loans and receivables to banks	90,581	79,206	64,409	(18.7)%	(28.9)%
Loans and receivables to customers	271,010	275,383	283,193	2.8%	4.5%
Intangible assets	3,285	3,365	3,370	0.1%	2.6%
Property and equipment	2,315	2,260	2,361	4.5%	2.0%
Investments in associates	4	3	4	33.3%	0.0%
Current tax assets	184	70	26	(62.9)%	(85.9)%
Deferred tax assets	8	0	0	n/a	(100.0)%
Other assets	1,123	1,380	1,325	(4.0)%	18.0%
TOTAL ASSETS	483,263	494,982	502,751	1.6%	4.0%
Due to banks	6,427	3,834	4,905	27.9%	(23.7)%
Due to customers	426,073	430,021	438,265	1.9%	2.9%
Derivative financial instruments with negative fair values	528	532	477	(10.3)%	(9.7)%
Hedging derivatives with negative fair values	3,691	4,259	3,944	(7.4)%	6.9%
Change in fair value of items hedged on portfolio basis	66	78	76	(2.6)%	15.2%
Issued bonds	3,874	11,562	11,631	0.6%	200.2%
Subordinated liabilities	7,591	7,622	7,593	(0.4)%	0.0%
Provisions	260	263	265	0.8%	1.9%
Current tax liabilities	48	47	71	51.1%	47.9%
Deferred tax liabilities	394	469	452	(3.6)%	14.7%
Other liabilities	4,003	4,416	5,209	18.0%	30.1%
Total Liabilities	452,955	463,103	472,888	2.1%	4.4%
Share capital	10,220	10,220	10,220	0.0%	0.0%
Statutory reserve	102	102	102	0.0%	0.0%
Other reserves	1	1	1	0.0%	0.0%
Retained earnings	19,985	21,556	19,540	(9.4)%	(2.2)%
Total Equity	30,308	31,879	29,863	(6.3)%	(1.5)%
TOTAL LIABILITIES & EQUITY	483,263	494,982	502,751	1.6%	4.0%

Consolidated statement of financial position – quarterly development

CZK m	30/06/2023	30/09/2023	31/12/20231	31/03/2024	30/06/2024	30/09/2024	31/12/20241	31/03/2025	30/06/2025
Cash and cash balances at the central bank	10,303	13,365	10,871	12,226	9,468	11,816	13,541	18,019	21,476
Derivative financial instruments with positive fair values	652	690	544	560	575	504	596	491	494
Investment securities	80,483	88,056	104,353	103,215	101,967	106,040	116,664	123,081	123,727
Hedging derivatives with positive fair values	3,731	3,991	2,701	2,681	2,669	2,011	2,314	2,096	2,159
Change in fair value of items hedged on portfolio basis	(1,147)	(989)	122	244	74	864	200	366	207
Loans and receivables to banks	55,109	68,120	69,632	75,327	90,581	89,755	79,206	71,670	64,409
Loans and receivables to customers	268,027	268,987	263,064	266,731	271,010	270,364	275,383	277,742	283,193
Intangible assets	3,280	3,252	3,332	3,323	3,285	3,287	3,365	3,341	3,370
Property and equipment	2,361	2,443	2,400	2,392	2,315	2,236	2,260	2,426	2,361
Investments in associates	4	2	3	3	4	2	3	4	4
Current tax assets	23	33	76	66	184	92	70	15	26
Deferred tax assets	0	0	0	8	8	7	0	0	0
Other assets	1,003	1,113	1,086	1,250	1,123	1,241	1,380	1,484	1,325
TOTAL ASSETS	423,829	449,063	458,184	468,026	483,263	488,219	494,982	500,735	502,751
Due to banks	7,707	7,379	5,423	6,441	6,427	3,740	3,834	4,275	4,905
Due to customers	368,177	393,012	399,497	405,920	426,073	421,621	430,021	433,023	438,265
Derivative financial instruments with negative fair values	631	674	523	516	528	467	532	458	477
Hedging derivatives with negative fair values	1,545	1,502	4,548	4,497	3,691	5,964	4,259	4,825	3,944
Change in fair value of items hedged on portfolio basis	(169)	(113)	63	81	66	135	78	87	76
Issued bonds	4,909	3,740	3,808	3,856	3,874	11,545	11,562	11,559	11,631
Subordinated liabilities	7,501	7,561	7,604	7,548	7,591	7,568	7,622	7,529	7,593
Provisions	238	308	266	263	260	266	263	275	265
Current tax liabilities	163	146	54	79	48	63	47	76	71
Deferred tax liabilities	408	418	462	357	394	418	469	419	452
Other liabilities	3,238	3,461	3,733	4,979	4,003	4,592	4,416	4,864	5,209
Total Liabilities	394,348	418,088	425,981	434,537	452,955	456,379	463,103	467,390	472,888
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	20,652	21,880	23,166	19,985	21,517	21,556	23,022	19,540
Total Equity	29,481	30,975	32,203	33,489	30,308	31,840	31,879	33,345	29,863
TOTAL LIABILITIES & EQUITY	423,829	449,063	458,184	468,026	483,263	488,219	494,982	500,735	502,751

Consolidated statement of profit or loss and other comprehensive income

CZK m	1H 2024	1H 2025	% Change
Interest and similar income	11,715	9,866	(15.8%)
Interest expense and similar charges	(7,530)	(5,108)	(32.2%)
Net interest income	4,185	4,758	13.7%
Fee and commission income	1,798	1,896	5.5%
Fee and commission expense	(306)	(230)	(24.8%)
Net fee and commission income	1,492	1,666	11.7%
Dividend income	0	0	n/a
Net income from financial operations	514	314	(38.9%)
Other operating income	31	52	67.7%
Total operating income	6,222	6,790	9.1%
Personnel expenses	(1,245)	(1,233)	(1.0%)
Administrative expenses	(735)	(823)	12.0%
Depreciation and amortisation	(604)	(585)	(3.1%)
Regulatory charges	(216)	(195)	(9.7%)
Other operating expenses	(39)	(37)	(5.1%)
Total operating expenses	(2,839)	(2,873)	1.2%
Profit for the period before tax and net impairment of financial assets	3,383	3,917	15.8%
Net impairment of financial assets	(237)	(268)	13.1%
Profit for the period before tax	3,146	3,649	16.0%
Taxes on income	(442)	(555)	25.6%
Profit for the period after tax	2,704	3,094	14.4%
Total comprehensive income attributable to the equity holders	2,704	3,094	14.4%

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

CZK m	2Q 2023	3Q 2023	4Q 2023	1Q 2024	2Q 2024	3Q 2024	4Q 2024	1Q 2025	2Q 2025
Interest and similar income	5,374	5,769	6,048	5,964	5,751	5,345	5,147	4,911	4,955
Interest expense and similar charges	(3,207)	(3,571)	(3,867)	(3,889)	(3,641)	(3,040)	(2,718)	(2,574)	(2,534)
Net interest income	2,167	2,198	2,181	2,075	2,110	2,305	2,429	2,337	2,421
Fee and commission income	799	836	822	881	917	919	1,008	959	937
Fee and commission expense	(136)	(154)	(159)	(141)	(165)	(165)	(194)	(111)	(119)
Net fee and commission income	663	682	663	740	752	754	814	848	818
Dividend income	0	1	1	0	0	0	0	0	0
Net income from financial operations	188	278	240	285	229	164	182	168	146
Other operating income	10	21	10	17	14	22	19	25	27
Total operating income	3,028	3,180	3,095	3,117	3,105	3,245	3,444	3,378	3,412
Personnel expenses	(595)	(593)	(738)	(620)	(625)	(632)	(787)	(609)	(624)
Administrative expenses	(415)	(367)	(486)	(330)	(405)	(380)	(437)	(380)	(443)
Depreciation and amortisation	(312)	(304)	(294)	(301)	(303)	(307)	(314)	(293)	(292)
Regulatory charges	(40)	0	0	(228)	12	0	0	(195)	0
Other operating expenses	(10)	(12)	(19)	(7)	(32)	(11)	(15)	(21)	(16)
Total operating expenses	(1,372)	(1,276)	(1,537)	(1,486)	(1,353)	(1,330)	(1,553)	(1,498)	(1,375)
Profit for the period before tax and net impairment of financial assets	1,656	1,904	1,558	1,631	1,752	1,915	1,891	1,880	2,037
Net impairment of financial assets	(146)	(142)	(133)	(135)	(102)	(114)	(35)	(151)	(117)
Profit for the period before tax	1,510	1,762	1,425	1,496	1,650	1,801	1,856	1,729	1,920
Taxes on income	(247)	(268)	(197)	(210)	(232)	(269)	(284)	(263)	(292)
Profit for the period after tax	1,263	1,494	1,228	1,286	1,418	1,532	1,572	1,466	1,628
Total comprehensive income attributable to the equity holders	1,263	1,494	1,228	1,286	1,418	1,532	1,572	1,466	1,628

Key performance ratios

Profitability	1H 2024	FY 2024	1H 2025	YtD Change in pp	YoY Change in pp
Yield	4.9%	4.9%	4.8%	(0.1)	(0.1)
Cost of funds1	3.42%	2.99%	2.22%	(0.77)	(1.20)
Cost of funds on customer deposits (% avg deposits)	3.38%	2.93%	2.08%	(0.85)	(1.30)
2,3,4 NIM (% avg int earning assets)	1.8%	1.9%	1.9%	0.0	0.1
Cost of risk (% avg net customer loans)	0.18%	0.14%	0.19%	0.05	0.01
Risk-adj. yield (% avg net customer loans)	4.7%	4.8%	4.6%	(0.2)	(0.1)
Net fee & commission income / Operating income	24.0%	23.7%	24.5%	0.8	0.5
Net non-interest income / Operating income	32.7%	30.9%	29.9%	(1.0)	(2.8)
Cost to income ratio	45.6%	44.3%	42.3%	(2.0)	(3.3)
RoTE	20.0%	20.4%	23.4%	3.0	3.4
RoE	17.8%	18.2%	20.7%	2.5	2.9
RoAA2	1.1%	1.2%	1.2%	0.0	0.1
Liquidity / Leverage
Loan to deposit ratio	63.6%	64.1%	64.6%	0.5	1.0
Total equity / Total assets	6.3%	6.4%	5.9%	(0.5)	(0.4)
High-quality liquid assets / Customer deposits	41.9%	43.5%	40.9%	(2.6)	(1.0)
Liquidity coverage ratio	339.5%	357.2%	339.0%	(18.2)	(0.5)
Capital Adequacy
RWA density	35.4%	35.0%	33.3%	(1.7)	(2.1)
Total CAR	19.4%	18.2%	18.5%	0.3	(0.9)
Tier 1 ratio	15.4%	14.5%	15.0%	0.5	(0.4)
Asset Quality
Non-performing loan ratio	1.4%	1.3%	1.2%	(0.1)	(0.2)
Core non-performing loan coverage	47.2%	39.5%	40.7%	1.2	(6.5)
Total NPL coverage	116.1%	113.6%	113.7%	0.1	(2.4)
Loan to value ratio5	57.5%	53.4%	52.5%	(0.9)	(5.0)
Loan to value ratio on new volumes (weighted average)	59.9%	56.9%	55.4%	(1.5)	(4.5)
Operating platform
Branch network	134	124	122	(1.6)%	(9.0)%
ATMs6 Own & shared	1,978	1,966	1,948	(0.9)%	(1.5)%
Total employees7	2,512	2,516	2,461	(2.2)%	(2.0)%

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

Key performance ratios – quarterly development

Profitability	2Q 2023	3Q 2023	4Q 2023	1Q 2024	2Q 2024	3Q 2024	4Q 2024	1Q 2025	2Q 2025
Yield	4.6%	4.7%	4.9%	4.9%	4.9%	4.9%	4.9%	4.8%	4.8%
Cost of Funds1	3.21%	3.42%	3.58%	3.60%	3.29%	2.70%	2.37%	2.24%	2.19%
Cost of Funds on Customer Deposits (% Avg Deposits)	3.19%	3.39%	3.55%	3.58%	3.24%	2.63%	2.25%	2.11%	2.06%
2,3,4 NIM (% Avg Int Earning Assets)	2.1%	2.1%	2.0%	1.8%	1.8%	1.9%	2.0%	1.9%	1.9%
Cost of Risk (% Avg Net Customer Loans)	0.22%	0.21%	0.20%	0.20%	0.15%	0.17%	0.05%	0.22%	0.17%
Risk-adj. Yield (% Avg Net Customer Loans)	4.4%	4.5%	4.7%	4.7%	4.8%	4.7%	4.8%	4.6%	4.7%
Net Fee & Commission Income / Operating Income	21.9%	21.4%	21.4%	23.7%	24.2%	23.2%	23.6%	25.1%	24.0%
Net Non-Interest Income / Operating Income	28.4%	30.9%	29.5%	33.4%	32.0%	29.0%	29.5%	30.8%	29.0%
Cost to Income Ratio	45.3%	40.1%	49.7%	47.7%	43.6%	41.0%	45.1%	44.3%	40.3%
RoTE	19.3%	21.6%	17.0%	17.1%	21.0%	21.5%	22.1%	19.5%	24.6%
RoE	17.1%	19.3%	15.3%	15.4%	18.7%	19.2%	19.7%	17.6%	21.8%
RoAA2	1.2%	1.4%	1.1%	1.1%	1.2%	1.3%	1.3%	1.2%	1.3%
Liquidity / Leverage
Loan to Deposit ratio	72.9%	68.5%	65.9%	65.8%	63.6%	64.2%	64.1%	64.2%	64.6%
Total Equity / Total Assets	7.0%	6.9%	7.0%	7.2%	6.3%	6.5%	6.4%	6.7%	5.9%
High-Quality Liquid Assets / Customer Deposits	32.7%	36.3%	40.0%	40.5%	41.9%	43.5%	43.5%	41.9%	40.9%
Liquidity Coverage Ratio	284.8%	312.1%	354.4%	359.5%	339.5%	340.1%	357.2%	366.6%	339.0%
Capital Adequacy
RWA density	39.9%	37.6%	36.4%	36.3%	35.4%	35.6%	35.0%	32.7%	33.3%
Total CAR	19.7%	19.9%	20.1%	19.6%	19.4%	19.2%	18.2%	19.1%	18.5%
Tier 1 Ratio	15.4%	15.5%	15.7%	15.4%	15.4%	15.3%	14.5%	15.3%	15.0%
Asset Quality
Non-Performing Loan Ratio	1.3%	1.3%	1.4%	1.4%	1.4%	1.4%	1.3%	1.3%	1.2%
Core Non-Performing Loan Coverage	49.7%	48.2%	47.9%	46.6%	47.2%	46.4%	39.5%	39.7%	40.7%
Total NPL Coverage	133.4%	130.8%	121.6%	118.5%	116.1%	112.0%	113.6%	111.1%	113.7%
Loan to value ratio5	59.8%	59.5%	58.8%	57.8%	57.5%	56.1%	53.4%	53.3%	52.5%
Loan to value ratio on new volumes (weighted average)	60.0%	57.2%	57.8%	59.5%	60.3%	56.0%	54.1%	53.5%	56.9%
Operating platform
Branch network	140	140	134	134	134	134	124	124	122
ATMs6 Own & shared	2,058	2,009	1,971	1,976	1,978	1,981	1,966	1,936	1,948
Total employees7	2,527	2,528	2,533	2,508	2,517	2,516	2,524	2,453	2,470

Note: (1) Deposits include issued bonds and exclude opportunistic repo operations and CSA. Data restated in 2Q 2024 and 3Q 2024; (2) Including opportunistic repo operations; (3) Interest earning assets include encumbered assets; (4) Hedging derivatives are excluded from the calculation of interest earning assets; (5) On performing retail mortgage loans only; (6) ATM network including MONETA ATMs, Komerční banka ATMs, Air Bank ATMs and UniCredit Bank ATMs; (7) Average FTEs in the reported quarter, excluding members of the Supervisory Board and the Audit Committee.

Appendix

• Events with Investors •
• Net Profit Evolution 2020 2029 •
• Distributed Dividends and Total Shareholder Return •
• Capital Requirements •
• Issued Bonds Overview •
• Deposit and Lending Market •
• Financial Statements & Key Performance Ratios •
• Glossary of Terms •

GLOSSARY 1/3

Adjusted cost to income ratio	Ratio (expressed as a percentage) of total operating expenses for the period (where contribution to regulatory charges equally spread into four quarters) to total operating income for the period
Annual premium equivalent	Annual premium equivalent is an equivalent of twelve months written premium on all contracts originated during the period.
Annualised	Adjusted so as to reflect the relevant rate on the full-year basis
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
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
Average balance of net loans to customers	Average of the beginning and ending balances of Loans and receivables to customers for the period
Average balance of total assets	Two-point average of the beginning and ending balances of Total Assets for the period
Bank	MONETA Money Bank, a.s.
bn	Billions
bps	Basis points
Building savings/Building savings deposits	Saving product, typical for building savings banks. The Bank undertakes clients' deposits determined for housing financing. This act is supported by a financial contribution from the state.
CAR / Capital Adequacy Ratio	Ratio calculated as regulatory capital as a percentage of risk-weighted assets
CET1 ratio	CET 1 capital as a percentage of RWA (calculated pursuant to CRR)
CNB
	Czech National Bank
Consumer loans	Includes unsecured consumer loans without housing loans
Cost Base / OPEX	Total operating expenses

Cost of Funds on Customer Deposits (% Avg Deposits)	Interest expense and similar charges on customer deposits for the period divided by the average balance of customer deposits
CoR or cost of risk or cost of risk (% Avg Net Customer Loans)	Net impairment of financial assets divided by the average balance of net loans to customers since 2018 based on IFRS 9. If cost of risk is shown in CZK, then it corresponds to "Net impairment of financial assets"
Cost to income ratio (C/I)	Ratio (expressed as a percentage) of total operating expenses for the period to total operating income for the period
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
CSA	Credit Support Annex is a legal document which regulates credit support (collateral) for derivative transactions
Customer deposits	Due to customers excluding repo operations, subordinated liabilities and CSA
CZSO	Czech Statistical Office
ETR / Effective Tax Rate	Effective Tax Rate – calculated as taxes on income divided by profit for the period before tax
Expected credit loss model	The impairment model that measures credit loss allowances using a three-stage approach based on the extent of credit deterioration of financial assets since origination; Stage 1 – 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
FTE	Figure states full-time equivalents in the last month of the quarter
FVTOCI	Financial assets measured at Fair Value Through Other Comprehensive Income
FVTPL	Financial assets measured at Fair Value Through Profit or Loss
Funding Base	Sum of Due to customers, Due to Banks, Issued Bonds and subordinated liabilities and excluding opportunistic repo operations and CSA
FY	Financial year
GDP	Gross domestic product
Gross performing loans	Performing loans and receivables to customers as determined in accordance with MONETA's loan receivables categorisation rules (Standard, Watch)

75

GLOSSARY 2/3

Gross written premium	Gross written premium is the sum of all monthly premiums collected during the period
Group	The Bank and its subsidiaries
High-quality liquid assets / HQLA	According to Basel III regulation, assets that are easily and immediately convertible into cash at little or no loss of value. MONETA considers as HQLA its cash balances, balances held in the central bank and Czech government bonds
Housing loans	Includes unsecured housing loan provided by MONETA Money Bank and the housing loans provided by MONETA Stavební Spořitelna
IDD	Insurance Distribution Directive
IFRS	International Financial Reporting Standards
Investment securities	Equity and debt securities in the Group´s portfolio; consist of securities measured at amortised cost, fair value through other comprehensive income (FVTOCI) and fair value through profit or loss (FVTPL)
k/ths	Thousands
Leasing	MONETA Leasing, s.r.o.
LCR/Liquidity Coverage Ratio	Liquidity Coverage Ratio measures the ratio (expressed as a percentage) of MONETA's buffer of high-quality liquid assets to its projected net liquidity outflows over a 30-day stress period, as calculated in accordance with EU Regulation 2015/61
Loan loss provision coverage	Ratio (expressed as a percentage) of loss allowances for loans and receivables to customers to total gross loan portfolio balance
Loan portfolio	Gross performing loan portfolio
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
M / m	Millions
Management overlay	Increment to the expected credit loss estimate which compensates for insufficient sensitivity of the core IFRS 9 model to specific macroeconomic conditions
MONETA	MONETA has the same meaning as the Group
MREL	Minimum Requirement of Own Funds and Eligible Liabilities
MSS	MONETA Stavební Spořitelna, a.s. (formerly Wüstenrot – stavební spořitelna, a.s.)
Net Income/Net Profit	Profit for the period after tax
Net Interest Earning Assets	Cash and cash balances at the central bank, investment securities, loans and receivables to banks, loans and receivables to customers and prior to the transition to IFRS 9 also financial assets at fair value through profit or loss, financial assets available for sale, financial assets held to maturity
Net Interest Margin or NIM	Net interest and similar income divided by the average balance of net interest earning assets
Net Non-Interest Income	Total operating income less net interest and similar income for the period

New volume / New production	Aggregate of loan principal disbursed in the period for non-revolving loans
New volume yield / New production yield	Instalment products: model output of yield expected to be generated on newly originated loans based on inputs combining actual contractual terms and expected behaviour of the loan for the specific type of loan product. Revolving products (credit cards and working capital): weighted average of contractual rate on newly originated loans (credit limit)
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
NPL Ratio	Ratio (expressed as a percentage) of NPL to gross loans and receivables to customers
NPL Coverage / Coverage / Total NPL Coverage	Ratio (expressed as a percentage) of loss allowances for loans and advances to customers to NPL
Operating profit	Operating profit represents profit for the period before tax and Cost of Risk
Opportunistic repo operations	Repo transactions with counterparties which are closed on a back-to-back basis by reverse repo transactions with the CNB
POCI	POCI means purchased or originated financial asset(s)
Portfolio yield	Please refer to the definition of yield
pp	Percentage points
Q	Quarter
QtD	Quarter-to-date
QtQ	Quarter-to-quarter
Regulatory Capital	Consists of Tier 1 and Tier 2 capital (according to CRR regulation)
Retail clients	Clients/individuals who have their product signed using their personal identification number
Return on Tangible Equity or RoTE	Return on tangible equity calculated as annualised profit after tax for the period divided by tangible equity
Return on Average Assets or RoAA	Return on average assets calculated as annualised profit after tax for the period divided by the average balance of total assets
Return on Equity or RoE	Return on equity calculated as annualised profit after tax for the period divided by total equity
RWA	Risk-Weighted Assets calculated pursuant to CRR

GLOSSARY 3/3

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
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
Small Business clients	Clients or enterprises under their company identification number with an annual turnover of up to CZK 60 million
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
SME / SME clients	Clients or enterprises under their company identification number with an annual turnover above CZK 60 million
SREP	Supervisory Review and Evaluation Process, when the supervisor regularly assesses and measures the risks for each bank
Stage 1, Stage 2, Stage 3	Stage 1 – financial assets with no significant increase in credit risk since initial recognition, Stage 2 - financial assets with significant increase in credit risk since initial recognition but not in default, Stage 3 – financial assets in default

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
Tier 2 Capital, T2	Regulatory Capital which consists of capital instruments, subordinated loans and other items (including certain unsecured subordinated debt obligations with payment restrictions) provided in Art. 62 of CRR
Total Shareholder Return/TSR	Total Shareholder Return based on the Bloomberg methodology including reinvested dividend
Wealth management	Distributed wealth management products
Wholesale funding	Includes Issued bonds and Subordinated liabilities and Due to banks balances (excl. opportunistic repo operations and CSA).
Y	Year
Yield (% Avg. Net Customer Loans)	Interest and similar income from loans to customers divided by the average balance of net loans to customers
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 50 and 51.

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