Moneta Money Bank As · PSECZ:MONET
Moneta Money Bank As — FY 2025 Earnings Presentation
84 slides from Moneta Money Bank As's earnings presentation, Feb 3, 2026
Slide 1: FY 2025 Results
FY 2025 Results Published on 3 February 2026 at 07:00 CET According to IFRS, Consolidated, Unaudited MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION
Slide 2: FY 2025 Key highlights
FY 2025 Key highlights Operating Operating Net (in CZK) income expenses profit • Operating income of CZK 13.9 billion (+7.8%) driven by growth in both net interest income (+8.8%) and net fee and commission income (+11.1%) 13.9bn 5.8bn 6.5bn +7.8% +2.0% +11.9% • Operating expenses slightly increased
Slide 3: FY 2025 Key highlights
FY 2025 Key highlights Capital Tier 1 MREL (in CZK) adequacy ratio1 Ratio2 ratio 18.7% 14.1% 27.5% • Capital adequacy ratio at 18.7% with an excess of CZK 5.7 billion or 3.4pp above the capital management target1 Excess 3.4pp Excess 1.6pp3 Excess 5.2pp • Tier 1 ratio at 14.1% with an excess of CZK 2
Slide 4: MONETA accomplished a minimum target and overperformed it
2025 MARKET GUIDANCE AND RESULTS MONETA accomplished a minimum target and overperformed it by CZK 0.5 billion 2025 2025 Variance guidance Metrics guidance1 results vs. results Total operating income (CZK bn) 13.6 13.9 +2.4% +0.3 Total operating expenses (CZK bn) (5.9) (5.8) (1.0)% +0.1 Operating pro
Slide 5: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026 – 2030 Market Guidance 09 Appendix Branch office: Liberec
Slide 6: Czech economy grew by 2.5% in 2025, better than expected
MACROECONOMIC ENVIRONMENT Czech economy grew by 2.5% in 2025, better than expected GDP evolution1 (CZK bn) Government debt in % of GDP at current prices2 2024: 1.2% 2025F: 2.5% GDP at constant prices GDP Y/Y % change EURO area - 20 countries Czech Republic 1,635 1,631 1,660 1,668 1,511 96.5 93.8 89.
Slide 7: Inflation still above the CNB's target and a normalising yield curve
MACROECONOMIC ENVIRONMENT Inflation still above the CNB’s target and a normalising yield curve evident since 2024 Inflation and consumer price index1 (year-over-year % change) Two-week repo rate (end of period) End of period 2.3% 6.6% 15.8% 6.9% 3.0% 2.1% change2 15.1% 15.0% 10.7% 4.25% 4.00% 10.0%
Slide 8: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026 – 2030 Market Guidance 09 Appendix Branch office: Karlovy Vary
Slide 9: Overall business platform
Overall business platform Total number Branch Own & shared consists of three service and distribution of clients network ATM network1 1.6m 122 1,942 channels: • Digital platform +0.3% (1.6)% (1.2)% • Branch network • Contact centre supported by own and shared ATM Total number of Number of front Numb
Slide 10: Digital platform
Digital platform Digital Average Payment is a critical distribution and service platform users1 daily visits transactions 1.6m 720ths 79.3m channel consisting of four key pillars: • Web: www.moneta.cz +8.3% +5.3% +8.4% • Web: www.hypoteka.cz • Mobile: Smart Banka • Internet: Internet Banka Loans Sal
Slide 11: Branch network
Branch network Number of Number of staff Client continues to play an important role in branches1 at branches2 satisfaction NPS3 product distribution and client service. The network is organised into six distinct front-office units: 122 1,054 90 • Retail banking (770 specialists (7.1)% YoY) (1.6)% (5
Slide 12: Contact centre
Contact centre Inbound Number Client complements the service and sales of traffic1 of staff satisfaction NPS2 both the digital and physical branch network through a range of 774ths 221 80 communication channels: (2.1)% +9.4% +14.3% • Telephone • Email Percentage of Email Insurance sales • Web answer
Slide 13: ATM network
ATM network Own & shared Deposit ATMs in Own ATM provides 24/7 access to withdrawals, ATM network shared network network deposits and miscellaneous services through its own and shared network. 1,942 812 561 ATM alliance partnership includes four (1.2)% +2.1% stable banks: • MONETA Money Bank Own ATM
Slide 14: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026 – 2030 Market Guidance 09 Appendix Branch office: Praha – Černý Most
Slide 15: Net profit of CZK 6.5 billion, up by 11.9%
PROFIT AND LOSS STATEMENT Net profit of CZK 6.5 billion, up by 11.9% CHANGE PROFIT AND LOSS (CZK m) 2024 2025 Net interest income growth driven by higher YoY lending income and lower deposit expense Net interest income 8,919 9,707 8.8% (NIM improved to 2.0%, compared to 1.9% in FY 2024) Net fee and
Slide 16: Net interest income drivers
NET INTEREST INCOME DRIVERS Net interest income growth was impacted predominantly by lending activity and lower interest paid on deposits Net interest income (CZK m) Interest income on loans (CZK m, YoY absolute change) +195 +1.4% 3,333 3,344 3,423 3,444 3,528 (1.0)% 2,429 2,421 2,487 2,462 4Q’24 1Q
Slide 17: Net fee income growth as a result of lower expenses
FEE AND COMMISSION INCOME & EXPENSE Net fee income growth as a result of lower expenses, expansion of wealth management and stronger penalty fees Net fee and commission income (CZK m) Third-party commission income (CZK m) 549 515 514 539 474 Wealth mngt 226 219 189 231 257 +13.7% YoY +7.5% 323 296 2
Slide 18: Outstanding amount of wealth management products expanded
DISTRIBUTION OF WEALTH MANAGEMENT PRODUCTS Outstanding amount of wealth management products expanded by 33% and supported a 21% growth in commissions Commissions from wealth management products distribution (CZK m) 2024 2025 Change +21.2% 896 739 Number of licensed staff (MiFiD) 545 544 (0.2)% Wealt
Slide 19: The lower number of insurance products sold
INSURANCE PRODUCT DISTRIBUTION The lower number of insurance products sold is reflected in a recurrent income decrease of 2.2% Recurrent performance1 2024 2025 Change Commissions from insurance product distribution (CZK m) (6.3)% Number of licensed staff2 728 715 (1.8)% 1,223 1,146 Payment protectio
Slide 20: Cost base in line with our projection of CZK 5.8 billion
OPERATING EXPENSES Cost base in line with our projection of CZK 5.8 billion; higher personnel and admin expenses partially offset by lower D&A Operating expenses (CZK m) Key highlights +2.0% 5,722 5,839 195 Regulatory charges • Regulatory charges decreased by 9.7% or CZK 21 million 216 (9.7)%YoY 1,1
Slide 21: Cost base grew by 2.0% due to more intensive marketing and IT costs
OPERATING EXPENSES Cost base grew by 2.0% due to more intensive marketing and IT costs Personnel expenses and number of FTEs (CZK m, CAGR) Administrative & Other expenses (CZK m, CAGR) +2.0% +2.2% +3.9% +6.0% 2,768 2,664 2,562 2,528 2,504 1,686 1,714 Other 1,570 1,588 1,617 (2.6)% CAGR / (1.9)%YoY 3
Slide 22: Stable level of depreciation and amortisation
OPERATING EXPENSES MONETA maintains a stable level of depreciation and amortisation resulting from a stable annual investment budget Depreciation and amortisation (CZK m, CAGR) Intangible and tangible assets (CZK m, CAGR) (0.7)% (5.1)% +0.3% +4.6% 1,249 1,233 1,225 1,196 1,162 5,815 5,881 5,697 5,73
Slide 23: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026 – 2030 Market Guidance 09 Appendix Branch office: Brno
Slide 24: Performance positively impacted by loan portfolio growth
KEY BALANCE SHEET METRICS Performance positively impacted by loan portfolio growth and lower cost of funding Loan portfolio (CZK bn) Funding base (CZK bn) +5.8% +2.5% +1.4% +1.2% 275.9 287.8 291.8 452.4 458.0 463.7 31/12/2024 30/09/2025 31/12/2025 31/12/2024 30/09/2025 31/12/2025 Loan portfolio yiel
Slide 25: Balance sheet expanded by CZK 9.5 billion
BALANCE SHEET PROFILE AND DEVELOPMENT Balance sheet expanded by CZK 9.5 billion, attributable to moderate expansion of the deposit base Assets (CZK bn) Equity and liabilities (CZK bn) +1.9% +1.9% 500.7 502.8 499.2 504.5 500.7 502.8 499.2 504.5 Repo operations 495.0 495.0 4.5 5.1 4.2 and due to banks
Slide 26: New lending volume up by 22%
NEW LENDING VOLUMES New lending volume up by 22%, due to improved demand in both the retail and commercial segments New lending volume (CZK bn) New retail lending volume (CZK bn) +20.6% 44.7 37.0 Mortgage loans +21.9% 18.4 +22.0% YoY 15.1 76.2 Consumer and 22.0 26.3 Other loans1 62.5 +19.7% YoY 2024
Slide 27: Lending portfolio growth at 5.8%
LOAN PORTFOLIO Lending portfolio growth at 5.8% was supported by expansion in new lending volumes Loan portfolio (CZK bn) +5.8% 283.7 287.8 291.8 275.9 278.1 187.6 187.5 Retail 183.1 184.2 185.7 +2.4% YoY 19.3 20.5 Small business 16.3 17.2 18.3 +26.1% YoY 76.5 76.8 79.7 80.9 83.8 SME1 +9.5% YoY 4Q 1
Slide 28: Retail loan portfolio development
RETAIL LOAN PORTFOLIO DEVELOPMENT Retail loan portfolio growth was driven by both mortgage and consumer lending Retail loan portfolio (CZK bn) +2.4% 183.1 184.2 185.7 187.6 187.5 Auto loans 2.7 2.7 2.7 2.8 2.8 +3.3% YoY 39.1 39.8 40.6 Consumer loans 38.1 38.6 +6.6% YoY 132.7 134.2 Mortgage portfolio
Slide 29: Commercial loan portfolio development
COMMERCIAL LOAN PORTFOLIO DEVELOPMENT Investment and small business loans were the key drivers of 12.4% growth in the commercial segment in 2025 Commercial loan portfolio (CZK bn) +12.4% 104.3 98.0 100.2 94.0 10.4 Auto loan1 92.8 10.0 +5.5% YoY 9.8 9.8 9.6 Small business loan 20.5 18.3 19.3 +26.1% Y
Slide 30: Overall loan portfolio yield maintained stable at 4.9%
LOAN PORTFOLIO YIELD EVOLUTION Overall loan portfolio yield maintained stable at 4.9%, retail yield improved to 4.4% and commercial yield declined to 5.7% Loan portfolio yield (%) Retail loan portfolio yield (%) 4.3 4.3 4.3 4.4 4.4 4Q 1Q 2Q 3Q 4Q 4.9 4.8 4.8 4.8 4.9 2024 2025 Commercial loan portfol
Slide 31: Funding base
FUNDING BASE Moderate deposit growth was impacted by systematic repricing and competitive situation mainly in the 2H 2025 Customer deposits and wholesale funding1 (CZK bn) +2.5% 452.4 455.9 461.9 458.0 463.7 324.0 330.2 334.5 328.8 331.2 Retail +2.2% YoY Commercial 105.8 102.6 103.6 104.1 109.2 +3.3
Slide 32: Deposit repricing enabled net interest margin improvement
DEVELOPMENT OF COSTS AND BALANCES OF CUSTOMER DEPOSITS Deposit repricing enabled net interest margin improvement in the 2H 2025 Monthly development of customer deposits and funding cost (%, CZK bn) +2.5% 429.8 424.4 431.4 432.8 438.6 441.5 438.1 439.9 438.5 432.9 435.1 437.0 440.4 2.16% 2.16% 2.16%
Slide 33: Combined position of deposits and AuM grew by 7%
RETAIL CUSTOMER DEPOSITS DEVELOPMENT AND WEALTH MANAGEMENT Combined position of deposits and AuM grew by 7%, where 70% of investments are funded from the existing deposit base Retail customer deposits and wealth management (CZK bn) +7.0% 402.0 402.0 410.1 383.4 393.4 67.4 73.2 78.9 Wealth management
Slide 34: Retail customer deposits development
RETAIL CUSTOMER DEPOSITS DEVELOPMENT Repricing of retail deposits did not have a balance impact until 3Q 2025; growth returned in the 4Q 2025 Retail customer deposits (CZK bn) +2.2% 330.2 334.5 328.8 331.2 324.0 56.5 55.3 Current account deposits 54.8 55.2 56.0 +0.9% YoY Savings, term and 269.2 275.
Slide 35: Commercial segment grew by 3.3%
COMMERCIAL CUSTOMER DEPOSITS DEVELOPMENT Commercial segment grew by 3.3%, supported by both product categories Commercial customer deposits (CZK bn) +3.3% 109.2 105.8 102.6 103.6 104.1 54.0 Current account deposits 53.0 47.6 49.7 50.6 +1.9% YoY Savings, term and 52.8 55.0 53.8 53.5 55.2 other deposi
Slide 36: Cost of funding reduced by 25 basis points
COST OF FUNDS Cost of funding reduced by 25 basis points from the beginning of the year Retail (%) 2.43 Customer deposits (%) 2.31 2.26 2.08 2.11 2.25 2.11 2.06 1.93 1.96 4Q 1Q 2Q 3Q 4Q Cost of funds1 – average (%) 2024 2025 2.37 4Q 1Q 2Q 3Q 4Q 2.24 Commercial (%) 2.19 2.12 2024 2025 1.70 2.08 1.47
Slide 37: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026 – 2030 Market Guidance 09 Appendix Branch office: Praha – OC Harfa
Slide 38: Key risk ratios
KEY RISK RATIOS All indicators reflect a benign environment and focused risk management practises Cost of risk (release in brackets, creation without brackets, YtD) Loan loss provision coverage +0.02pp (0.21)pp 0.16% 0.16% 1.45% 1.33% 0.14% 1.24% 2024 1-3Q 2025 2025 2024 1-3Q 2025 2025 Non-performin
Slide 39: Cost of risk
COST OF RISK Positive change in economic forecast, success in NPL disposals and reduction in management overlays resulted in low cost of risk Cost of risk Annualised cost of risk (CZK m, release in brackets, creation without brackets, QtD) (%, release in brackets, creation without brackets, QtD) 0.2
Slide 40: Historically lowest NPL ratio
LOAN PORTFOLIO AND LOAN LOSS PROVISIONS Historically lowest NPL ratio due to successful reduction of the overall balance enabled overall coverage reduction Gross loan portfolio (CZK m) Loan loss provisions (CZK m) +5.5% (9.9)% 279,435 281,755 287,124 290,975 294,810 4,052 4,013 3,931 3,872 3,652 Man
Slide 41: Non-performing loan development
NON-PERFORMING LOAN DEVELOPMENT Decreasing NPL formation, combined with successful NPL disposals and a stable cure rate, resulted in a decrease in the NPL portfolio NPL balance and net formation (CZK m) 1,222 1,105 963 804 3,568 3,612 (1,005) 3,458 (173) (1,065) 3,193 (194) 2,990 (1,099) (705) (131)
Slide 42: Past due exposures development
PAST DUE EXPOSURES DEVELOPMENT Slight increase in 30+ and 60+ days past due balances due to “year-end effect” largely cured in the following month Share of past due exposures on total gross portfolio balance (%) 1.36 30+ 60+ 90+ 1.23 1.15 1.11 1.09 0.92 0.87 0.71 0.73 0.64 0.63 0.65 0.61 0.61 0.63 0
Slide 43: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026 – 2030 Market Guidance 09 Appendix Branch office: Karlovy Vary
Slide 44: Key liquidity ratios
KEY LIQUIDITY RATIOS Throughout the year, liquidity indicators remained strong and stable Loan to deposit ratio Share of high-quality liquid assets on customer deposits 64% 66% 66% 43% 40% 40% 31/12/2024 30/09/2025 31/12/2025 31/12/2024 30/09/2025 31/12/2025 Liquidity coverage ratio Net stable fundi
Slide 45: High-quality liquid assets development
HIGH-QUALITY LIQUID ASSETS DEVELOPMENT The HQLA position remained strong; decline reflected lending growth and doubling of mandatory reserves (CZK 8 billion increase) High-quality liquid assets (CZK bn) (6.7)% 186.7 181.1 3.8 178.4 174.2 2.9 171.4 Cash 3.1 3.5 3.4 (6.1)% YoY 75.6 65.7 61.3 53.8 58.8
Slide 46: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026 – 2030 Market Guidance 09 Appendix Branch office: Liberec
Slide 47: Key capital ratios – consolidated basis
KEY CAPITAL RATIOS – CONSOLIDATED BASIS Solid capital position with CZK 5.7 billion excess, enabling CZK 5.9 billion accrued dividend distribution (CZK 11.5 per share) Capital adequacy ratio Tier 1 capital adequacy ratio 18.70% 14.46% 14.13% 18.25% Excess capital T1, T2 2.24% 1.63% Distributable exc
Slide 48: Capital position on a consolidated basis
CAPITAL POSITION ON A CONSOLIDATED BASIS Capital position supported by a reduction in RWA density and a Tier 2 bond issuance, with the capital adequacy ratio improving by 45bps Regulatory capital (CZK bn) Risk-weighted assets and density (CZK bn, %) 31.6 30.8 35.0% 32.6% Density 6.6 7.5 Tier 2 173.5
Slide 49: Capital position on an individual basis
CAPITAL POSITION ON AN INDIVIDUAL BASIS On an individual basis, a solid MREL ratio of 27.5%, supported by a Tier 2 bond issuance Regulatory capital and MREL instruments (CZK bn) Risk-weighted assets and density (CZK bn, %) 35.0% 32.6% Density 45.4 44.4 12.5 12.1 MREL 168.1 161.4 6.6 7.5 Tier 2 26.3
Slide 50: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026 – 2030 Market Guidance 09 Appendix Branch office: Prachatice
Slide 51: 2026–2030 Medium-term guidance
2026 – 2030 MEDIUM-TERM GUIDANCE Over next five years, we aim to deliver cumulative earnings per share of CZK 72.6, translating to 5.9% growth CAGR Metrics 2026 2027 2028 2029 2030 2026-2030 Total operating income (CZK bn) 14.6 15.4 16.1 16.7 17.5 4.6% Total operating expenses (CZK bn) (6.0) (6.1) (
Slide 52: 2026–2029 Medium-term guidance: new vs previous
2026 – 2029 MEDIUM-TERM GUIDANCE On comparable basis new market guidance aims for cumulative net profit of CZK 28.8 billion, up by 5.5% Previous market guidance published on 31 January 2025 New market guidance 2026 – 2029 Net profit (CZK bn) 2026 – 2029 Net profit (CZK bn) +5.5% CZK 27.3bn CZK 28.8b
Slide 53: Net profit evolution
NET PROFIT EVOLUTION The current guidance on comparative basis aims for nearly 40% improvement in net profit 2021 – 2030 Net profit1 (CZK bn) +39.1% +CZK 10.4bn CZK 26.7bn CZK 37.1bn 8.3 7.8 7.4 7.0 6.5 6.6 5.8 5.2 5.2 4.0 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 Note: Guidance is subject t
Slide 54: Macroeconomic assumptions for medium-term guidance
2026 – 2030 MEDIUM-TERM GUIDANCE Macroeconomic assumptions for medium-term guidance 2026 2027 2028 2029 2030 GDP growth 2.4% 2.8% 2.5% 2.5% 2.5% Unemployment 3.0% 2.9% 2.9% 2.9% 2.9% Inflation 2.2% 2.5% 2.0% 2.0% 2.0% 2W repo rate (annual average) 3.5% 3.5% 3.5% 3.5% 3.5% 1M Pribor (annual average)
Slide 55: Projected loans and deposits growth
2026 – 2030 MEDIUM-TERM GUIDANCE Projected loans and deposits growth CAGR 2025 2026 2027 2028 2029 2030 2025-2030 Gross performing loans development 291.8 306.2 326.2 349.4 372.4 392.8 6.1% Retail 187.5 189.5 195.7 204.9 214.8 222.9 3.5% Commercial 104.3 116.7 130.5 144.6 157.6 169.9 10.2% Customer
Slide 56: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026 – 2030 Market Guidance 09 Appendix Branch office: Břeclav
Slide 57: Appendix
Appendix • Events with Investors • General Meeting Summary – November 2025 • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 58: Calendar for 1H 2026
REPORTING DATES, INVESTOR MEETINGS AND OTHER IMPORTANT DATES Calendar for 1H 2026 Record date for General Meeting 1Q 2026 General Meeting Prague Earnings 14 April 21 April 24 April 2026 2026 2026 58
Slide 59: Appendix
Appendix • Events with Investors • General Meeting Summary – November 2025 • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 60: General Meeting Summary
GENERAL MEETING SUMMARY Shareholders approved all the items on the agenda at General Meeting held on 14 November 2025 Key points approved by shareholders: The payment of an extraordinary dividend of CZK 4 per share, or a total of CZK 2 billion. The dividend was paid from the Bank's retained earnin
Slide 61: Appendix
Appendix • Events with Investors • General Meeting Summary – November 2025 • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 62: Distribution of Dividends 2016–2025
DISTRIBUTION OF DIVIDENDS 2016–2025 Between 2016 and 2025, MONETA generated a cumulative net profit of CZK 45.5 billion with a dividend pay-out ratio of 93% Net profit and dividend distribution (CZK m) 7,921 Net profit 6,643 6,501 Dividend 5,808 5,008 5,187 5,200 4,599 4,054 3,923 4,088 4,200 4,019
Slide 63: Total shareholder return comparison
TOTAL SHAREHOLDER RETURN COMPARISON MONETA delivered a total shareholder return of 71.2% Total shareholders return1 as at 31 December 2025 (%) 185.0 +78.1% Euro Stoxx Banks2 +71.2% MONETA 155.0 +49.5% Komerční banka 125.0 95.0 30/06/2025 30/09/2025 31/03/2025 30/01/2025 30/04/2025 31/05/2025 31/08/2
Slide 64: Appendix
Appendix • Events with Investors • General Meeting Summary – November 2025 • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 65: Capital & Regulatory Requirements
CAPITAL & REGULATORY REQUIREMENTS 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 31/03 31/12 31/12 31/03 31/12 2024 2025 2025 20
Slide 66: Appendix
Appendix • Events with Investors • General Meeting Summary – November 2025 • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 67: Issued Bonds Overview
ISSUED BONDS OVERVIEW 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 Currency Nominal Interest Interest rate First call Maturity Moody’s date (million) type option rating Tier 2 25 Sep 2019 CZK
Slide 68: Appendix
Appendix • Events with Investors • General Meeting Summary – November 2025 • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 69: Czech Deposit Market
CZECH DEPOSIT MARKET MONETA focused on systematic repricing which resulted in below-the-market growth Deposit market (CZK bn) Retail deposits (CZK bn) +4.8%/+2.2% +6.3%/+2.5% 3,659.0 3,695.4 3,732.0 3,769.6 3,834.3 7,213.5 7,344.8 7,383.6 7,366.6 6,926.7 324.0 330.2 334.5 328.8 331.2 4Q 1Q 2Q 3Q 4Q
Slide 70: Czech Lending Market
CZECH LENDING MARKET MONETA’s growth significantly outperformed the market in the commercial segment Lending market – Gross loans (CZK bn) Retail gross loans (CZK bn) +8.5%/+2.2% 2,277.2 2,309.3 2,357.2 2,415.5 2,470.0 +7.7%/+5.5% 185.5 186.6 187.9 189.8 189.5 4,257.8 4,357.6 4,399.6 4,504.6 4Q 1Q 2
Slide 71: Appendix
Appendix • Events with Investors • General Meeting Summary – November 2025 • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 72: Consolidated statement of financial position
FINANCIAL STATEMENTS Consolidated statement of financial position CZK m 31/12/20241 31/12/2025 YoY % Change Cash and cash balances at the central bank 13,541 20,898 54.3% Derivative financial instruments with positive fair values 596 633 6.2% Investment securities 116,664 120,112 3.0% Hedging deriva
Slide 73: Consolidated statement of financial position – quarterly
FINANCIAL STATEMENTS Consolidated statement of financial position – quarterly development CZK m 31/12/20231 31/03/2024 30/06/2024 30/09/2024 31/12/20241 31/03/2025 30/06/2025 30/09/2025 31/12/2025 Cash and cash balances at the central bank 10,871 12,226 9,468 11,816 13,541 18,019 21,476 19,267 20,89
Slide 74: Consolidated statement of profit or loss
FINANCIAL STATEMENTS Consolidated statement of profit or loss and other comprehensive income CZK m 2024 2025 % Change Interest and similar income 22,207 19,681 (11.4)% Interest expense and similar charges (13,288) (9,974) (24.9)% Net interest income 8,919 9,707 8.8% Fee and commission income 3,725 3
Slide 75: Consolidated statement of profit or loss – quarterly
FINANCIAL STATEMENTS Consolidated statement of profit or loss and other comprehensive income - quarterly development CZK m 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 Interest and similar income 6,048 5,964 5,751 5,345 5,147 4,911 4,955 4,884 4,931 Interest expense and si
Slide 76: Key performance ratios
FINANCIAL STATEMENTS Key performance ratios Profitability FY 2024 FY 2025 Change in pp Yield 4.9% 4.9% 0.0 Cost of funds1 2.99% 2.16% (0.83) Cost of funds on customer deposits (% avg deposits) 2.93% 2.02% (0.91) NIM (% avg int earning assets) 2,3,4 1.9% 2.0% 0.1 Cost of risk (% avg net customer loan
Slide 77: Key performance ratios – quarterly development
FINANCIAL STATEMENTS Key performance ratios – quarterly development Profitability 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 Yield 4.9% 4.9% 4.9% 4.9% 4.9% 4.8% 4.8% 4.8% 4.9% Cost of Funds1 3.58% 3.60% 3.29% 2.70% 2.37% 2.24% 2.19% 2.08% 2.12% Cost of Funds on Customer
Slide 78: Appendix
Appendix • Events with Investors • General Meeting Summary – November 2025 • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 79: Glossary 1/3
GLOSSARY 1/3 Annual premium equivalent is an equivalent of twelve months written premium on all Cost of Funds on Customer Interest expense and similar charges on customer deposits for the period divided by the Annual premium equivalent contracts originated during the period. Deposits (% Avg Deposits
Slide 80: Glossary 2/3
GLOSSARY 2/3 Gross written premium Gross written premium is the sum of all monthly premiums collected during the period New volume / New production Aggregate of loan principal disbursed in the period for non-revolving loans Group The Bank and its subsidiaries Instalment products: model output of yie
Slide 81: Glossary 3/3
GLOSSARY 3/3 Calculates the weighted average risk weight for the entire banking and trading book Tangible Equity Calculated as total equity less intangible assets and goodwill (incl. Off-balance & On-balance sheet), plus considering also Operational Risk, Market RWA density The aggregate of Common e
Slide 82: Disclaimer and other information
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 distr
Slide 83: Contacts
INVESTOR RELATIONS Contacts Linda Kavanová MONETA Money Bank, a.s. BB Centrum, Vyskočilova 1442/1b Jarmila Valentová 140 28 Praha 4 – Michle Tel: +420 224 442 549 investors@moneta.cz Dana Laštovková www.moneta.cz Identification number: 25672720 Bloomberg: MONET CP ISIN: CZ0008040318 Reuters: MONET.P
Slide 84: MONETA Money Bank
MONEY BANK MONETA