Moneta Money Bank A.S.

Investor Presentation • Oct 23, 2025

Published on 23 October 2025 at 07:00 CET

According to IFRS, Consolidated, Unaudited

MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION

1-3Q 2025 Key highlights

(in CZK)

• Operating income of CZK 10.3 billion (+9.1%) driven by growth in both net interest income (+11.6%) and net fee and commission income (+12.4%)
• Operating expenses kept stable at CZK 4.2 billion (+0.9%), resulting in a cost to income ratio of 40.7%
• Net profit of CZK 4.9 billion (+15.7%) on track to meet and potentially outperform market guidance by CZK 300-400 million
• Total balance sheet reached CZK 499 billion (+2.3%), supported by the expansion of the funding base (+3.1%) and loan portfolio growth (+6.3%)

Operating income

10.3bn

+9.1% stable

Operating expenses

4.2bn

Net profit

4.9bn

+15.7%

Total assets

499bn

Loan portfolio1

288bn

+2.3% +6.3% +3.1%

Funding base

458bn

1-3Q 2025 Key highlights

(in CZK)

• Capital adequacy ratio at 20.0%, well above the management target of 15.25%
• Tier 1 ratio at 15.2% with an excess of CZK 4.5 billion or 2.7pp above the capital management target1,2
• The interim dividend proposal of CZK 4.0 per share (CZK 2.0 billion)3 to be voted on by shareholders on 14 November 2025
• Capital structure optimised by issuance of a Tier 2 instrument in the amount of EUR 100 million

Capital adequacy ratio

20.0%

Excess 4.7pp

Tier 1 Ratio1,2

15.2%

Excess 2.7pp

MREL ratio

29.3%

Excess 6.9pp

Interim dividend per share³

4.0

Total 2.0bn

Tier 1 excess1,2

4.5bn

Tier 2 bond issuance (EUR)

100m

Excess 2.7pp Issuance 9 September

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
• Shareholder Meeting 09
• Appendix 10

Czech economy grew by 2.6%; unemployment remains low and stable; the state budget deficit forecasted at CZK 241 billion

Unemployment rate: ECB, Czech Statistical Office³

State budget deficit of the Czech Republic⁴ (CZK bn)

Declining inflation, currently at 2.3%, the two-week reporate remained unchanged at 3.50%, the market yield curve stabilised

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

Two-week repo rate (end of period)

Contribution to inflation by item¹

			Sep'2025 Y/Y price
	contribution		change %
Food and beverages	0.7	0.8	2.9
Clothing and footwear	0.0	(0.1)	(1.7)
Housing, energy	1.1	0.6	1.9
Health	0.1	0.1	3.1
Transport, telecommunication	0.1	0.0	0.3
Recreation, culture, education	0.4	0.4	4.1
Restaurants and hotels	0.4	0.3	4.8
Other	0.2	0.2	2.9
Total	3.0	2.3	2.3

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
• Shareholder Meeting 09
• Appendix 10

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

Total number of clients

1.6m

+0.5%

Branch network

122

(9.0)%

Own & shared ATM network¹

1,942

(2.0)%

Total number of employees²

2,465

(1.9)%

Number of front line employees²

1,316

(4.5)%

Number of other employees2,3

1,149

+1.3%

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 has become the most popular platform for clients' daily banking

Digital platform users1

1.6m

+9.2%

Average daily visits

716ths

+5.8%

Payment transactions

58.4m

+8.6%

Servicing transactions

17.0m

+0.2%

Loan applications

257ths

(3.1)%

Sales transactions

363ths

+4.9%

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 (768 specialists (7.3)% YoY)
• Wealth management distribution (64 specialists +21.3% YoY)
• Mortgage distribution (26 specialists +11.7% YoY)
• Small business banking (142 specialists (2.4)% YoY)
• SME banking (120 specialists (3.1)% YoY)
• Structured finance for corporate clients (8 specialists (1.3)% YoY)

Number of branches¹

122

(9.0)% +7.3%

Number of staff at branches²

1,053

(5.8)%

Client satisfaction NPS³

88

Branch visits⁴

617ths

(17.2)%

Distribution of 3rd party products⁵

123ths

(10.4)%

Loan applications

354ths

(7.2)%

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

Inbound traffic¹

580ths

(4.6)%

Number of staff

220

+10.6%

Client satisfaction NPS²

71

(2.3)%

Percentage of answered calls³

94.5%

stable

Email communication⁴

107ths

(16.3)%

Insurance sales income – CZK⁵

127m

+13.6%

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

Own & shared ATM network

1,942

(2.0)% stable (2.1)%

Deposit ATMs in shared network

Own ATM network

801 562

Own ATM withdrawals

10.3m

(7.7)%

Own ATM deposits

1.7m

+20.5%

ATM service transactions

2.3m

+6.6%

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
• Shareholder Meeting 09
• Appendix 10

Net profit supported by continued operating income growth, stable cost base and benign cost of risk

PROFIT AND LOSS (CZK m)	1-3Q 2024	1-3Q 2025	CHANGE YoY
Net interest income	6,490	7,245	11.6%
Net fee and commission income	2,246	2,525	12.4%
Other income	731	555	(24.1)%
OPERATING INCOME	9,467	10,325	9.1%
Operating expenses	(4,169)	(4,205)	0.9%
OPERATING PROFIT	5,298	6,120	15.5%
Cost of risk	(351)	(342)	(2.6)%
PROFIT BEFORE TAX	4,947	5,778	16.8%
Income tax	(711)	(878)	23.5%
NET PROFIT	4,236	4,900	15.7%
Earnings per share	8.3	9.6	15.7%
Return on Tangible Equity	19.8%	23.1%	3.3pp
Effective tax rate	14.4%	15.2%	0.8pp

Net interest income growth driven by higher lending income and lower deposit expense (NIM improved to 2.0%, compared to 1.9% in 1-3Q 2024)

Net fee and commission income growth driven by the distribution of wealth management products (+24.7% or CZK 126 million YoY) and 23.8% lower fee expenses

Other income impacted by lower FX derivative result and absence of bond sale gain realised in 1Q 2024

Cost base remained stable. Cost to income ratio at 40.7%, compared to 44.0% for 1-3Q 2024

Cost of risk of CZK 342 million or 16bps

Net profit of CZK 4.9 billion, up by 15.7% with RoTE at 23.1%, due to revenue growth, stable cost base and cost of risk

Net interest income growth is mainly supported by lending income, while treasury income decline is offset by lower cost of funding

Net interest income (CZK m)

Solid performance across all fee categories contributed to an overall positive result in net fee and commission income

Net fee and commission income (CZK m)

Wealth management products expanded by 35% and supported a 25% growth in commissions

Commissions from wealth management products distribution

Outstanding amount of distributed wealth management products (CZK m)

	1-3Q 2024	1-3Q 2025	Change
Number of licensed staff (MiFiD)	550	534	(2.9)%
Wealth management specialists	52	67	28.8%
Distributed volume (CZK m)	17,177	16,250	(5.4)%
Attrition (% avg balance, p.a.)	11.0%	10.4%	(0.6)pp
Opening fee (CZK m)	206	236	+14.8%
Trailer fee (CZK m)	307	403	+31.3%

Recurrent insurance income remained stable, while reported income is lower due to positive one-offs in 3Q 2024 YtD

	1-3Q 2024	1-3Q 2025	Change
Number of licensed staff (IDD)1	681	639	(6.2)%
Payment protection insurance
Gross written premium (CZK m)	563	600	+6.6%
Commissions earned (CZK m)	314	323	+2.8%
Life insurance
Annual premium equivalent (CZK m)	127	131	+3.3%
Commissions earned (CZK m)	243	224	(7.8)%
Pension insurance
Units sold (ths)	25	21	(16.3)%
Commissions earned (CZK m)	65	60	(8.5)%
Other insurance products
Commissions earned (CZK m)	278	257	(7.3)%

Cost discipline visible across most categories, with cost base growth maintained at 0.9%

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 8.1% or CZK 94 million, mainly due to higher IT expenses
• Personnel expenses stable due to employment base reduction by 1.9% to 2,465 FTEs¹
• Cost to income ratio decreased by 3.3pp to 40.7%

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
• Shareholder Meeting 09
• Appendix 10

Loan growth continued, supported by a broadly stable funding base despite a continued decline in the cost of funding

Funding base (CZK bn)

Loan portfolio yield (average)

Cost of funding (average)

The slowdown in balance sheet growth caused by a decrease in deposits during Sep 2025, partially offset by a Tier 2 bond issue

New lending volume up by 29%, due to strong demand in both the retail and commercial segments

New lending volume (CZK bn)

New retail lending volume (CZK bn)

New commercial lending volume (CZK bn)

Loan portfolio growth achieved across all segments, focusing on small business and SME due to margin and return considerations

Loan portfolio (CZK bn)

Retail loan portfolio growth achieved through mortgage and consumer lending

Retail Ioan portfolio (CZK bn)

Investment loans to SME and loans to small business clients strongly contributed to the overall commercial lending growth

Commercial loan portfolio (CZK bn)

The loan portfolio yield remained stable despite the declining short-term rates

Loan portfolio yield (%)

Retail loan portfolio yield (%)

Commercial loan portfolio yield (%)

Funding base grew by 3.1%, supported by Tier 2 bond issuance and strong performance in the commercial segment

Customer deposits and wholesale funding¹ (CZK bn)

Current interest rate environment and behaviour of competitors (mainly small challenger banks) limit further cost of funds reduction

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

Net interest margin development over 12 months (%)

Impacted by doubled mandatory reserves

Retail deposit growth achieved year-on-year; the decline in 3Q 2025 impacted by intensified market competition

Retail customer deposits (CZK bn)

In the commercial segment, strong performance on current account balances contributed to overall growth at low cost

Commercial customer deposits (CZK bn)

Funding costs declined by more than 50bps across both retail and commercial segments, while wholesale increased by 45bps

Cost of funds¹ – average (%)

Customer deposits (%)

Wholesale funding2 (%)

Commercial (%)

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
• Shareholder Meeting 09
• Appendix 10

Cost of risk at the lower end of expectations, accompanied by the historically lowest NPL ratio and improving NPL coverage

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

Loan loss provision coverage

Non-performing loan ratio

Total non-performing loan coverage

Declining cost of risk supported by solid payment discipline across portfolios and improvement in the macroeconomic environment

Cost of risk

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

		2024		2025
	3Q	4Q	1Q	2Q	3Q
COST OF RISK	114	35	151	117	74
Retail	167	82	181	61	46
Commercial	(53)	(48)	(30)	56	28

• 1-3Q 2025 cost of risk at CZK 342 million or 16bps (1-3Q 2024: CZK 351 million or 18bps);
• 1-3Q 2025 income on NPL disposals at CZK 85 million (1-3Q 2024: CZK 91 million).1

Annualised cost of risk

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

• 1-3Q 2025 impacted by the gradual release of management overlays and the update of macroeconomic scenarios
• 4Q 2024 impacted by the update of the IFRS 9 provisioning model

Portfolio growth accompanied by a disciplined approach to NPL disposals, resulting in the historically lowest NPL ratio

4,004 3,658 3,675 3,692 3,630 3Q 4Q 1Q 2Q 3Q Loan loss provisions

Non-performing loan portfolio² (CZK m)

Loan loss provision coverage

Overall NPL balance decline driven by successful disposals, declining formation and stable cure rate

NPL balance and net formation (CZK m)

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 (%)

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
• Shareholder Meeting 09
• Appendix 10

Strong liquidity and solid ratios despite competitive pressure on deposits

The HQLA position remains strong at 34% of total assets

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
• Shareholder Meeting 09
• Appendix 10

Strong capital position improved by Tier 2 bond issuance, lower RWAs and distributable excess at CZK 4.5 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 the management capital target of 15.05% as at 31 December 2024 and 15.25% as at 30 September 2025; 3Q 2025 excess capital does not include 2025 accrued dividend of CZK 4.4bn; (4) Excess capital over Tier 1 management capital target of 12.23% as at 31 December 2024 and 12.50% as at 30 September 2025; (5) Interim dividend to be paid from retained earnings of prior years; subject to corporate, regulatory and regulator´s limitations and shareholders' approval at the General Meeting to be held on 14 November 2025.

Regulatory capital position improved due to Tier 2 bond issuance, further supported by RWA density decrease

On an individual basis, we maintained a solid MREL ratio due to increased capital instruments, MREL and Tier 2 bonds

Regulatory capital and MREL instruments (CZK bn)

Risk-weighted assets density

MREL adequacy ratio

• MONETA maintains the 2025 dividend accrual at 90% of the consolidated net profit
• Current MREL position of 29.29% constitutes an excess of 694 basis points above the MREL management target as at 30 September 2025
• In September 2025, MONETA issued EUR 100 million of Tier 2 capital instruments to further optimise capital structure

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
• Shareholder Meeting 09
• Appendix 10

We are on track to deliver and exceed net profit guidance by a minimum of CZK 300 million

Metrics	2025 Guidance	2025 Outlook	Variance vs. Guidance
Total operating income (CZK bn)	13.6	13.8	+0.2	Driven by NIM improvement amid a higher margin against 2W repo rate than planned
Total operating expenses (CZK bn)	(5.9)	(5.8)	+0.1	Savings achieved on D&A and administrative expenses
Operating profit (CZK bn)	7.7	8.0	+0.3	Combination of better operating income and stable operating expenses
Cost of risk (bps)	(15-35)	(17.5-22.5)		Assuming steady performance without any significant commercial defaults in 4Q
NET PROFIT (CZK bn)	6.0	≥6.3	+0.3	Combination of better operating income, stable operating expenses and lower cost of risk
Earnings per share (CZK)	11.7	12.3	+0.6	Continuing to accrue 90% of net profit on the dividend accrual account
Return on Tangible Equity	20%	21%	1pp	Supported by a higher net profit

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%	-

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

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%

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
• Shareholder Meeting 09
• Appendix 10

Information about the upcoming shareholder meeting and dividend payment

Record date for General Meeting

7 November 2025

Record date for dividend¹

21 November 2025

General Meeting Prague

14 November 2025

Dividend payment date²

16 December 2025

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
• Shareholder Meeting 09
• Appendix 10

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 4Q 2025

General Meeting Prague

14 November 2025

WOOD's

Winter Wonderland EMEA Conference, Prague

2-5 December 2025

Goldman Sachs

Annual CEEMEA One-on-One, London

18 November 2025

FY 2025 Earnings

3 February 2026

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

2020 – 2029 Operating income¹ (CZK bn)

Note: Guidance is subject to change based on actual financial results of the Group in the years 2025 to 2029 and corporate, regulatory and regulator's limitations. Please see pages 49, 50 and 79 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 interim 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 112%, above European banks' average

Total shareholders return1 as at 30 September 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 •

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	30/09 2025
Pillar I – CRR requirement	8.0%	8.0%	8.0%
SREP requirement1 Pillar II –	2.3%	2.0%	2.0%
CRR capital conservation buffer	2.5%	2.5%	2.5%
CRR countercyclical buffer	1.25%	1.25%	1.25%
Systemic risk buffer	-	0.5%	0.5%
Total requirement	14.05%	14.25%	14.25%
Management capital buffer	1.0%	1.0%	1.0%
MANAGEMENT TARGET	15.05%	15.25%	15.25%

	31/12 2024	31/03 2025	30/09 2025
MREL – loss absorption amount	10.3%	10.0%	10.0%
MREL - recapitalisation amount	6.9%	7.1%	7.1%
CRR capital conservation buffer	2.5%	2.5%	2.5%
CRR countercyclical buffer	1.25%	1.25%	1.25%
Systemic risk buffer	-	0.5%	0.5%
Total requirement	20.95%	21.35%	21.35%
Management capital buffer	1.0%	1.0%	1.0%
MANAGEMENT TARGET	21.95%	22.35%	22.35%

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 September 2025, MONETA issued a T2 capital instrument in the amount of EUR 100 million to further optimise the 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	5.12% p.a.	After 5 years	25 Sep 2029	Baa2
Tier 2 CZ0003705188	30 Jan 2020	CZK	2,601	Float	5.23% 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 Unsecured2,3 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
Tier 2 XS3154053436	9 Sep 2025	EUR	100	Fixed to float	1 4.514% p.a.	After 5 years	9 Sep 2035	Baa2

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 •

MONETA outperformed the deposit market growth mainly thanks to deposit growth in the commercial segment

Deposit market (CZK bn)

Commercial deposits (CZK bn)

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

Lending market – Gross loans (CZK bn)

Commercial gross loans (CZK bn)

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	30/09/2024	31/12/20241	30/09/2025	YtD % Change	YoY % Change
Cash and cash balances at the central bank	11,816	13,541	19,267	42.3%	63.1%
Derivative financial instruments with positive fair values	504	596	522	(12.4)%	3.6%
Investment securities	106,040	116,664	124,455	6.7%	17.4%
Hedging derivatives with positive fair values	2,011	2,314	2,271	(1.9)%	12.9%
Change in fair value of items hedged on portfolio basis	864	200	(138)	(169.0)%	(116.0)%
Loans and receivables to banks	89,755	79,206	58,537	(26.1)%	(34.8)%
Loans and receivables to customers	270,364	275,383	287,103	4.3%	6.2%
Intangible assets	3,287	3,365	3,407	1.2%	3.7%
Property and equipment	2,236	2,260	2,314	2.4%	3.5%
Investments in associates	2	3	3	0.0%	50.0%
Current tax assets	92	70	21	(70.0)%	(77.2)%
Deferred tax assets	7	0	0	n/a	(100.0)%
Other assets	1,241	1,380	1,468	6.4%	18.3%
TOTAL ASSETS	488,219	494,982	499,230	0.9%	2.3%
Due to banks	3,740	3,834	4,338	13.1%	16.0%
Due to customers	421,621	430,021	433,148	0.7%	2.7%
Derivative financial instruments with negative fair values	467	532	488	(8.3)%	4.5%
Hedging derivatives with negative fair values	5,964	4,259	3,070	(27.9)%	(48.5)%
Change in fair value of items hedged on portfolio basis	135	78	52	(33.3)%	(61.5)%
Issued bonds	11,545	11,562	11,257	(2.6)%	(2.5)%
Subordinated liabilities	7,568	7,622	9,951	30.6%	31.5%
Provisions	266	263	274	4.2%	3.0%
Current tax liabilities	63	47	154	227.7%	144.4%
Deferred tax liabilities	418	469	504	7.5%	20.6%
Other liabilities	4,592	4,416	4,325	(2.1)%	(5.8)%
Total Liabilities	456,379	463,103	467,561	1.0%	2.5%
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	21,517	21,556	21,346	(1.0)%	(0.8)%
Total Equity	31,840	31,879	31,669	(0.7)%	(0.5)%
TOTAL LIABILITIES & EQUITY	488,219	494,982	499,230	0.9%	2.3%

Note: (1) Audited.

Consolidated statement of financial position – quarterly development

CZK m	30/09/2023	31/12/20231	31/03/2024	30/06/2024	30/09/2024	31/12/20241	31/03/2025	30/06/2025	30/09/2025
Cash and cash balances at the central bank	13,365	10,871	12,226	9,468	11,816	13,541	18,019	21,476	19,267
Derivative financial instruments with positive fair values	690	544	560	575	504	596	491	494	522
Investment securities	88,056	104,353	103,215	101,967	106,040	116,664	123,081	123,727	124,455
Hedging derivatives with positive fair values	3,991	2,701	2,681	2,669	2,011	2,314	2,096	2,159	2,271
Change in fair value of items hedged on portfolio basis	(989)	122	244	74	864	200	366	207	(138)
Loans and receivables to banks	68,120	69,632	75,327	90,581	89,755	79,206	71,670	64,409	58,537
Loans and receivables to customers	268,987	263,064	266,731	271,010	270,364	275,383	277,742	283,193	287,103
Intangible assets	3,252	3,332	3,323	3,285	3,287	3,365	3,341	3,370	3,407
Property and equipment	2,443	2,400	2,392	2,315	2,236	2,260	2,426	2,361	2,314
Investments in associates	2	3	3	4	2	3	4	4	3
Current tax assets	33	76	66	184	92	70	15	26	21
Deferred tax assets	0	0	8	8	7	0	0	0	0
Other assets	1,113	1,086	1,250	1,123	1,241	1,380	1,484	1,325	1,468
TOTAL ASSETS	449,063	458,184	468,026	483,263	488,219	494,982	500,735	502,751	499,230
Due to banks	7,379	5,423	6,441	6,427	3,740	3,834	4,275	4,905	4,338
Due to customers	393,012	399,497	405,920	426,073	421,621	430,021	433,023	438,265	433,148
Derivative financial instruments with negative fair values	674	523	516	528	467	532	458	477	488
Hedging derivatives with negative fair values	1,502	4,548	4,497	3,691	5,964	4,259	4,825	3,944	3,070
Change in fair value of items hedged on portfolio basis	(113)	63	81	66	135	78	87	76	52
Issued bonds	3,740	3,808	3,856	3,874	11,545	11,562	11,559	11,631	11,257
Subordinated liabilities	7,561	7,604	7,548	7,591	7,568	7,622	7,529	7,593	9,951
Provisions	308	266	263	260	266	263	275	265	274
Current tax liabilities	146	54	79	48	63	47	76	71	154
Deferred tax liabilities	418	462	357	394	418	469	419	452	504
Other liabilities	3,461	3,733	4,979	4,003	4,592	4,416	4,864	5,209	4,325
Total Liabilities	418,088	425,981	434,537	452,955	456,379	463,103	467,390	472,888	467,561
Share capital	10,220	10,220	10,220	10,220	10,220	10,220	10,220	10,220	10,220
Statutory reserve	102	102	102	102	102	102	102	102	102
Other reserves	1	1	1	1	1	1	1	1	1
Retained earnings	20,652	21,880	23,166	19,985	21,517	21,556	23,022	19,540	21,346
Total Equity	30,975	32,203	33,489	30,308	31,840	31,879	33,345	29,863	31,669
TOTAL LIABILITIES & EQUITY	449,063	458,184	468,026	483,263	488,219	494,982	500,735	502,751	499,230

Note: (1) Audited.

Consolidated statement of profit or loss and other comprehensive income

CZK m	3Q 2024 YtD	3Q 2025 YtD	% Change
Interest and similar income	17,060	14,750	(13.5%)
Interest expense and similar charges	(10,570)	(7,505)	(29.0%)
Net interest income	6,490	7,245	11.6%
Fee and commission income	2,717	2,884	6.1%
Fee and commission expense	(471)	(359)	(23.8%)
Net fee and commission income	2,246	2,525	12.4%
Dividend income	0	0	n/a
Net income from financial operations	678	481	(29.1%)
Other operating income	53	74	39.6%
Total operating income	9,467	10,325	9.1%
Personnel expenses	(1,877)	(1,877)	0.0%
Administrative expenses	(1,115)	(1,213)	8.8%
Depreciation and amortisation	(911)	(874)	(4.1%)
Regulatory charges	(216)	(195)	(9.7%)
Other operating expenses	(50)	(46)	(8.0%)
Total operating expenses	(4,169)	(4,205)	0.9%
Profit for the period before tax and net impairment of financial assets	5,298	6,120	15.5%
Net impairment of financial assets	(351)	(342)	(2.6%)
Profit for the period before tax	4,947	5,778	16.8%
Taxes on income	(711)	(878)	23.5%
Profit for the period after tax	4,236	4,900	15.7%
Total comprehensive income attributable to the equity holders	4,236	4,900	15.7%

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

CZK m	3Q 2023	4Q 2023	1Q 2024	2Q 2024	3Q 2024	4Q 2024	1Q 2025	2Q 2025	3Q 2025
Interest and similar income	5,769	6,048	5,964	5,751	5,345	5,147	4,911	4,955	4,884
Interest expense and similar charges	(3,571)	(3,867)	(3,889)	(3,641)	(3,040)	(2,718)	(2,574)	(2,534)	(2,397)
Net interest income	2,198	2,181	2,075	2,110	2,305	2,429	2,337	2,421	2,487
Fee and commission income	836	822	881	917	919	1,008	959	937	988
Fee and commission expense	(154)	(159)	(141)	(165)	(165)	(194)	(111)	(119)	(129)
Net fee and commission income	682	663	740	752	754	814	848	818	859
Dividend income	1	1	0	0	0	0	0	0	-
Net income from financial operations	278	240	285	229	164	182	168	146	167
Other operating income	21	10	17	14	22	19	25	27	22
Total operating income	3,180	3,095	3,117	3,105	3,245	3,444	3,378	3,412	3,535
Personnel expenses	(593)	(738)	(620)	(625)	(632)	(787)	(609)	(624)	(644)
Administrative expenses	(367)	(486)	(330)	(405)	(380)	(437)	(380)	(443)	(390)
Depreciation and amortisation	(304)	(294)	(301)	(303)	(307)	(314)	(293)	(292)	(289)
Regulatory charges	0	0	(228)	12	0	0	(195)	0	0
Other operating expenses	(12)	(19)	(7)	(32)	(11)	(15)	(21)	(16)	(9)
Total operating expenses	(1,276)	(1,537)	(1,486)	(1,353)	(1,330)	(1,553)	(1,498)	(1,375)	(1,332)
Profit for the period before tax and net impairment of financial assets	1,904	1,558	1,631	1,752	1,915	1,891	1,880	2,037	2,203
Net impairment of financial assets	(142)	(133)	(135)	(102)	(114)	(35)	(151)	(117)	(74)
Profit for the period before tax	1,762	1,425	1,496	1,650	1,801	1,856	1,729	1,920	2,129
Taxes on income	(268)	(197)	(210)	(232)	(269)	(284)	(263)	(292)	(323)
Profit for the period after tax	1,494	1,228	1,286	1,418	1,532	1,572	1,466	1,628	1,806
Total comprehensive income attributable to the equity holders	1,494	1,228	1,286	1,418	1,532	1,572	1,466	1,628	1,806

Key performance ratios

Profitability	3Q 2024 YtD	FY 2024	3Q 2025 YtD	YtD Change in pp	YoY Change in pp
Yield	4.9%	4.9%	4.8%	(0.1)	(0.1)
Cost of funds1	3.20%	2.99%	2.18%	(0.81)	(1.02)
Cost of funds on customer deposits (% avg deposits)	3.17%	2.93%	2.05%	(0.88)	(1.12)
2,3,4 NIM (% avg int earning assets)	1.9%	1.9%	2.0%	0.1	0.1
Cost of risk (% avg net customer loans)	0.18%	0.14%	0.16%	0.02	(0.02)
Risk-adj. yield (% avg net customer loans)	4.8%	4.8%	4.7%	(0.1)	(0.1)
Net fee & commission income / Operating income	23.7%	23.7%	24.5%	0.8	0.8
Net non-interest income / Operating income	31.4%	30.9%	29.8%	(1.1)	(1.6)
Cost to income ratio	44.0%	44.3%	40.7%	(3.6)	(3.3)
RoTE	19.8%	20.4%	23.1%	2.7	3.3
RoE	17.7%	18.2%	20.6%	2.4	2.9
RoAA2	1.2%	1.2%	1.3%	0.1	0.1
Liquidity / Leverage
Loan to deposit ratio	64.2%	64.1%	66.3%	2.2	2.1
Total equity / Total assets	6.5%	6.4%	6.3%	(0.1)	(0.2)
High-quality liquid assets / Customer deposits	43.4%	43.4%	39.6%	(3.8)	(3.8)
Liquidity coverage ratio	340.1%	357.2%	334.6%	(22.6)	(5.5)
Capital Adequacy
RWA density	35.6%	35.0%	33.2%	(1.8)	(2.4)
Total CAR	19.23%	18.25%	19.97%	1.72	0.74
Tier 1 ratio	15.30%	14.46%	15.21%	0.75	(0.09)
Asset Quality
Non-performing loan ratio	1.4%	1.3%	1.1%	(0.2)	(0.3)
Core non-performing loan coverage	46.4%	39.5%	45.1%	5.6	(1.3)
Total NPL coverage	112.0%	113.6%	121.3%	7.7	9.3
Loan to value ratio5	56.1%	53.4%	52.1%	(1.3)	(4.0)
Loan to value ratio on new volumes (weighted average)	58.5%	56.9%	56.1%	(0.8)	(2.3)
Operating platform
Branch network	134	124	122	(1.6)%	(9.0)%
ATMs6 Own & shared	1,981	1,966	1,942	(1.2)%	(2.0)%
Total employees7	2,514	2,516	2,465	(2.0)%	(1.9)%

Key performance ratios – quarterly development

Profitability	3Q 2023	4Q 2023	1Q 2024	2Q 2024	3Q 2024	4Q 2024	1Q 2025	2Q 2025	3Q 2025
Yield	4.7%	4.9%	4.9%	4.9%	4.9%	4.9%	4.8%	4.8%	4.8%
Cost of Funds1	3.42%	3.58%	3.60%	3.29%	2.70%	2.37%	2.24%	2.19%	2.08%
Cost of Funds on Customer Deposits (% Avg Deposits)	3.39%	3.55%	3.58%	3.24%	2.63%	2.25%	2.11%	2.06%	1.93%
2,3,4 NIM (% Avg Int Earning Assets)	2.1%	2.0%	1.8%	1.8%	1.9%	2.0%	1.9%	1.9%	2.0%
Cost of Risk (% Avg Net Customer Loans)	0.21%	0.20%	0.20%	0.15%	0.17%	0.05%	0.22%	0.17%	0.10%
Risk-adj. Yield (% Avg Net Customer Loans)	4.5%	4.7%	4.7%	4.8%	4.7%	4.8%	4.6%	4.7%	4.7%
Net Fee & Commission Income / Operating Income	21.4%	21.4%	23.7%	24.2%	23.2%	23.6%	25.1%	24.0%	24.3%
Net Non-Interest Income / Operating Income	30.9%	29.5%	33.4%	32.0%	29.0%	29.5%	30.8%	29.0%	29.6%
Cost to Income Ratio	40.1%	49.7%	47.7%	43.6%	41.0%	45.1%	44.3%	40.3%	37.7%
RoTE	21.6%	17.0%	17.1%	21.0%	21.5%	22.1%	19.5%	24.6%	25.6%
RoE	19.3%	15.3%	15.4%	18.7%	19.2%	19.7%	17.6%	21.8%	22.8%
RoAA2	1.4%	1.1%	1.1%	1.2%	1.3%	1.3%	1.2%	1.3%	1.4%
Liquidity / Leverage
Loan to Deposit ratio	68.5%	65.9%	65.8%	63.6%	64.2%	64.1%	64.2%	64.6%	66.3%
Total Equity / Total Assets	6.9%	7.0%	7.2%	6.3%	6.5%	6.4%	6.7%	5.9%	6.3%
High-Quality Liquid Assets / Customer Deposits	36.3%	40.0%	40.5%	41.9%	43.4%	43.4%	41.8%	40.7%	39.6%
Liquidity Coverage Ratio	312.1%	354.4%	359.5%	339.5%	340.1%	357.2%	366.6%	339.0%	334.6%
Capital Adequacy
RWA density	37.6%	36.4%	36.3%	35.4%	35.6%	35.0%	32.7%	33.3%	33.2%
Total CAR	19.86%	20.07%	19.60%	19.40%	19.23%	18.25%	19.13%	18.53%	19.97%
Tier 1 Ratio	15.54%	15.74%	15.42%	15.36%	15.30%	14.46%	15.34%	15.04%	15.21%
Asset Quality
Non-Performing Loan Ratio	1.3%	1.4%	1.4%	1.4%	1.4%	1.3%	1.3%	1.2%	1.1%
Core Non-Performing Loan Coverage	48.2%	47.9%	46.6%	47.2%	46.4%	39.5%	39.7%	40.7%	45.1%
Total NPL Coverage	130.8%	121.6%	118.5%	116.1%	112.0%	113.6%	111.1%	113.7%	121.3%
Loan to value ratio5	59.5%	58.8%	57.8%	57.5%	56.1%	53.4%	53.3%	52.5%	52.1%
Loan to value ratio on new volumes (weighted average)	57.2%	57.8%	59.5%	60.3%	56.0%	54.1%	53.5%	56.9%	57.4%
Operating platform
Branch network	140	134	134	134	134	124	124	122	122
ATMs6 Own & shared	2,009	1,971	1,976	1,978	1,981	1,966	1,936	1,948	1,942
Total employees7	2,528	2,533	2,508	2,517	2,516	2,524	2,453	2,470	2,472

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

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 and unsecured housing loans provided by MONETA Money Bank
Cost Base / OPEX	Total operating expenses
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

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)

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 after the application of regulatory haircuts as set out in Article 9 of the Commission Delegated Regulation (EU) 2015/61.
Housing loans	Includes 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
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 49 and 50.

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