Moneta Money Bank As · PSECZ:MONET
Moneta Money Bank As — Q3 2025 Earnings Presentation
81 slides from Moneta Money Bank As's earnings presentation, Oct 23, 2025
Slide 1: 3Q 2025 Results
3Q 2025 Results Published on 23 October 2025 at 07:00 CET According to IFRS, Consolidated, Unaudited MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION
Slide 2: Key highlights 1-3Q 2025
1-3Q 2025 Key highlights Operating Operating Net (in CZK) income expenses profit 10.3bn 4.2bn 4.9bn • 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%) +9.1% stable +15.7% • Operating expenses kept stable at
Slide 3: Key highlights: capital
1-3Q 2025 Key highlights Capital Tier 1 MREL (in CZK) adequacy ratio Ratio1,2 ratio 20.0% 15.2% 29.3% • Capital adequacy ratio at 20.0%, well above the management target of 15.25% • Tier 1 ratio at 15.2% with an excess of Excess 4.7pp Excess 2.7pp Excess 6.9pp CZK 4.5 billion or 2.7pp above the capi
Slide 4: 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 2025 – 2029 Market Guidance 09 Shareholder Meeting 10 Appendix Branch office: Praha - Anděl
Slide 5: Czech economy grew by 2.6%; unemployment low; budget deficit
MACROECONOMIC ENVIRONMENT Czech economy grew by 2.6%; unemployment remains low and stable; the state budget deficit forecasted at CZK 241 billion GDP evolution1 (CZK bn) Government debt in % of GDP at current prices2 2024: 1.2% 2025F: 2.6% GDP at constant prices GDP Y/Y % change EURO area - 20 count
Slide 6: Declining inflation, repo rate unchanged at 3.50%
MACROECONOMIC ENVIRONMENT Declining inflation, currently at 2.3%, the two-week repo rate 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) End of period 2.3% 6.6% 15.8% 6.9% 3.0% 2.3% change
Slide 7: 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 2025 – 2029 Market Guidance 09 Shareholder Meeting 10 Appendix Branch office: Karlovy Vary
Slide 8: Overall business platform
Overall business platform Total number Branch Own & shared consists of three service and sales of clients network ATM network1 1.6m 122 1,942 distribution channels: • Digital platform +0.5% (9.0)% (2.0)% • Branch network • Contact centre supported by own and shared ATM Total number of Number of fron
Slide 9: Digital platform
Digital platform Digital Average Payment is a critical distribution and service platform users1 daily visits transactions 1.6m 716ths 58.4m channel consisting of four key pillars: • Web: www.moneta.cz +9.2% +5.8% +8.6% • Web: www.hypoteka.cz • Mobile: Smart Banka • Internet: Internet Banka Servicing
Slide 10: 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 1,053 88 • Retail banking (768 specialists (7.3)% YoY) (9.0)% (5
Slide 11: 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 580ths 220 71 communication channels: (4.6)% +10.6% (2.3)% • Telephone • Email Percentage of Email Insurance sales • Web answe
Slide 12: 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. 1,942 801 562 ATM alliance partnership includes four (2.0)% stable (2.1)% banks: • MONETA Money Bank Own AT
Slide 13: 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 2025 – 2029 Market Guidance 09 Shareholder Meeting 10 Appendix Branch office: Havířov
Slide 14: Profit and loss statement
PROFIT AND LOSS STATEMENT 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 growth driven by higher Net interest income 6,490 7,245 11.6% lending income and lower deposit expe
Slide 15: Net interest income drivers
NET INTEREST INCOME DRIVERS 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) Interest income on loans (CZK m, YoY absolute change) 134 +7.9% 3,310 3,333 3,344 3,423 3,444 +2.7% 2,429 2,421 2
Slide 16: Fee and commission income & expense
FEE AND COMMISSION INCOME & EXPENSE 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) Third-party commission income (CZK m) 549 515 514 468 474 Wealth mngt 179 226 219 189 231 +29.1% YoY +13.9%
Slide 17: Distribution of wealth management products
DISTRIBUTION OF WEALTH MANAGEMENT PRODUCTS Wealth management products expanded by 35% and supported a 25% growth in commissions Commissions from wealth management products distribution (CZK m) 1-3Q 1-3Q Change +24.7% 2024 2025 639 513 Number of licensed staff (MiFiD) 550 534 (2.9)% Wealth management
Slide 18: Insurance product distribution
INSURANCE PRODUCT DISTRIBUTION Recurrent insurance income remained stable, while reported income is lower due to positive one-offs in 3Q 2024 YtD 1-3Q 1-3Q Change Commissions from insurance product distribution 2024 2025 – recurrent income (CZK m) +0.3% Number of licensed staff (IDD)1 681 639 (6.2)%
Slide 19: Operating expenses
OPERATING EXPENSES Cost discipline visible across most categories, with cost base growth maintained at 0.9% Operating expenses (CZK m) Key highlights +0.9% 4,169 4,205 216 195 Regulatory charges • Regulatory charges decreased by 9.7% or CZK 21 million (9.7)%YoY Depreciation and primarily due to lowe
Slide 20: 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 2025 – 2029 Market Guidance 09 Shareholder Meeting 10 Appendix Branch office: Brno
Slide 21: Key balance sheet metrics
KEY BALANCE SHEET METRICS Loan growth continued, supported by a broadly stable funding base despite a continued decline in the cost of funding Loan portfolio (CZK bn) Funding base (CZK bn) +6.3% +3.1% +4.3% +1.2% 270.8 275.9 287.8 444.0 452.4 458.0 30/09/2024 31/12/2024 30/09/2025 30/09/2024 31/12/2
Slide 22: Balance sheet profile and development
BALANCE SHEET PROFILE AND DEVELOPMENT The slowdown in balance sheet growth caused by a decrease in deposits during Sep 2025, partially offset by a Tier 2 bond issue Assets (CZK bn) Equity and liabilities (CZK bn) +2.3% +2.3% 495.0 500.7 502.8 499.2 495.0 500.7 502.8 499.2 Repo operations 488.2 488.2
Slide 23: New lending volumes
NEW LENDING VOLUMES 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) +28.1% 33.2 25.9 Mortgage loans +29.4% 14.2 +51.2% YoY 9.4 55.0 Consumer and 16.5 19.0 Other loans1 42.5 +15.0% YoY 1-3Q 20
Slide 24: Loan portfolio
LOAN PORTFOLIO Loan portfolio growth achieved across all segments, focusing on small business and SME due to margin and return considerations Loan portfolio (CZK bn) +6.3% +4.3% 283.7 287.8 270.8 275.9 278.1 187.6 Retail 183.1 184.2 185.7 180.7 +3.8% YoY 19.3 Small business 15.4 16.3 17.2 18.3 +24.9
Slide 25: Retail loan portfolio development
RETAIL LOAN PORTFOLIO DEVELOPMENT Retail loan portfolio growth achieved through mortgage and consumer lending Retail loan portfolio (CZK bn) +3.8% +2.5% 183.1 184.2 185.7 187.6 180.7 Auto loans 2.7 2.7 2.7 2.8 +4.3% YoY 2.7 39.1 39.8 Consumer loans 38.1 38.1 38.6 +4.5% YoY 132.7 134.2 Mortgage portf
Slide 26: Commercial loan portfolio development
COMMERCIAL LOAN PORTFOLIO DEVELOPMENT Investment loans to SME and loans to small business clients strongly contributed to the overall commercial lending growth Commercial loan portfolio (CZK bn) +11.1% +7.9% 98.0 100.2 92.8 94.0 Small business loan 90.1 18.3 19.3 +24.9% YoY 15.4 16.3 17.2 Auto loan1
Slide 27: Loan portfolio yield evolution
LOAN PORTFOLIO YIELD EVOLUTION The loan portfolio yield remained stable despite the declining short-term rates Loan portfolio yield (%) Retail loan portfolio yield (%) 4.3 4.3 4.3 4.3 4.4 3Q 4Q 1Q 2Q 3Q 4.9 4.9 4.8 4.8 4.8 2024 2025 Commercial loan portfolio yield (%) 6.1 6.0 3Q 4Q 1Q 2Q 3Q 5.8 5.8
Slide 28: Funding base
FUNDING BASE 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) +3.1% +1.2% 452.4 455.9 461.9 458.0 444.0 324.0 330.2 334.5 328.8 Retail 322.7 +1.9% YoY Commercial 98.8 105.8 102.6 103.6 104.
Slide 29: Development of costs and balances of customer deposits
DEVELOPMENT OF COSTS AND BALANCES OF CUSTOMER DEPOSITS 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) +2.7% 421.4 421.0 421.6 429.8 424.4 431.4
Slide 30: Retail customer deposits development
RETAIL CUSTOMER DEPOSITS DEVELOPMENT Retail deposit growth achieved year-on-year; the decline in 3Q 2025 impacted by intensified market competition Retail customer deposits (CZK bn) +1.9% +1.5% 330.2 334.5 328.8 322.7 324.0 56.5 Current account deposits 54.5 54.8 55.2 56.0 +2.8% YoY Savings, term an
Slide 31: Commercial customer deposits development
COMMERCIAL CUSTOMER DEPOSITS DEVELOPMENT In the commercial segment, strong performance on current account balances contributed to overall growth at low cost Commercial customer deposits (CZK bn) +5.4% (1.6)% 105.8 103.6 104.1 102.6 98.8 Current account deposits 43.5 53.0 47.6 49.7 50.6 +16.2% YoY Sa
Slide 32: Cost of funds
COST OF FUNDS Funding costs declined by more than 50bps across both retail and commercial segments, while wholesale increased by 45bps Retail (%) 2.82 Customer deposits (%) 2.43 2.31 2.26 2.08 2.63 2.25 2.11 2.06 1.93 3Q 4Q 1Q 2Q 3Q Cost of funds1 – average (%) 2024 2025 2.70 3Q 4Q 1Q 2Q 3Q 2.37 Com
Slide 33: 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 2025 – 2029 Market Guidance 09 Shareholder Meeting 10 Appendix Branch office: Brno
Slide 34: Key risk ratios
KEY RISK RATIOS 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 (0.29)pp (0.02)pp 0.18% 1.62% 1.45% 0.14% 0.16% 1.33% 1-3Q 2024 2
Slide 35: Cost of risk
COST OF RISK Declining cost of risk supported by solid payment discipline across portfolios and improvement in the macroeconomic environment Cost of risk Annualised cost of risk (CZK m, release in brackets, creation without brackets, QtD) (%, release in brackets, creation without brackets, QtD) 0.22
Slide 36: Loan portfolio and loan loss provisions
LOAN PORTFOLIO AND LOAN LOSS PROVISIONS Portfolio growth accompanied by a disciplined approach to NPL disposals, resulting in the historically lowest NPL ratio Gross loan portfolio (CZK m) Loan loss provisions (CZK m) +5.9% (13.1)% 274,819 279,435 281,755 287,124 290,975 4,455 4,052 4,013 3,931 3,87
Slide 37: Non-performing loan development
NON-PERFORMING LOAN DEVELOPMENT Overall NPL balance decline driven by successful disposals, declining formation and stable cure rate NPL balance and net formation (CZK m) 1,144 1,222 1,105 963 3,977 (1,123) 3,568 3,612 (1,005) 3,458 (431) (173) (1,065) 3,193 (194) (1,099) (131) Net NPL formation Net
Slide 38: Past due exposures development
PAST DUE EXPOSURES DEVELOPMENT 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 (%) 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 39: 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 2025 – 2029 Market Guidance 09 Shareholder Meeting 10 Appendix Branch office: Hradec Králové
Slide 40: Key liquidity ratios
KEY LIQUIDITY RATIOS Strong liquidity and solid ratios despite competitive pressure on deposits Loan to deposit ratio Share of high-quality liquid assets on customer deposits 64% 64% 66% 43% 43% 40% 30/09/2024 31/12/2024 30/09/2025 30/09/2024 31/12/2024 30/09/2025 Liquidity coverage ratio Net stable
Slide 41: High-quality liquid assets development
HIGH-QUALITY LIQUID ASSETS DEVELOPMENT The HQLA position remains strong at 34% of total assets High-quality liquid assets (CZK bn) (6.3)% 183.0 186.7 181.1 178.4 3.4 3.8 2.9 171.4 Cash 3.1 3.4 (2.1)% YoY 75.6 65.7 61.3 53.8 Balances at the CNB 82.2 (34.6)% YoY Government 107.3 112.5 114.0 114.3 and
Slide 42: 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 2025 – 2029 Market Guidance 09 Shareholder Meeting 10 Appendix Branch office: Jilemnice
Slide 43: Key capital ratios – consolidated basis
KEY CAPITAL RATIOS – CONSOLIDATED BASIS Strong capital position improved by Tier 2 bond issuance, lower RWAs and distributable excess at CZK 4.5 billion Capital adequacy ratio Tier 1 capital adequacy ratio 19.97% 18.25% Excess capital T1, T2 4.72% 14.46% 15.21% 3.20% and debt Distributable excess in
Slide 44: Capital position on a consolidated basis
CAPITAL POSITION ON A CONSOLIDATED BASIS Regulatory capital position improved due to Tier 2 bond issuance, further supported by RWA density decrease Regulatory capital (CZK bn) Risk-weighted assets density 31.6 33.2 35.0% 33.2% 6.6 7.9 Tier 2 25.1 25.3 Tier 1 31/12/2024 30/09/2025 31/12/2024 30/09/2
Slide 45: Capital position on an individual basis
CAPITAL POSITION ON AN INDIVIDUAL BASIS 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 45.4 47.6 35.0% 33.3% 12.5 13.3 MREL 6.6 7.9 Tier 2 26.3 26.4 Tie
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 2025 – 2029 Market Guidance 09 Shareholder Meeting 10 Appendix Branch office: Praha - Chodov
Slide 47: 2025 market guidance & outlook
2025 MARKET GUIDANCE & OUTLOOK We are on track to deliver and exceed net profit guidance by a minimum of CZK 300 million 2025 2025 Variance vs. Metrics Guidance Outlook Guidance Driven by NIM improvement amid a higher margin Total operating income (CZK bn) 13.6 13.8 +0.2 against 2W repo rate than pl
Slide 48: 2025–2029 medium-term guidance
2025 – 2029 MEDIUM-TERM GUIDANCE 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 CAGR Metrics 2025 2026 2027 2028 2029 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)
Slide 49: Macroeconomic assumptions for medium-term guidance
2025 – 2029 MEDIUM-TERM GUIDANCE 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)
Slide 50: Projected loans and deposits growth
2025 – 2029 MEDIUM-TERM GUIDANCE Projected loans and deposits growth CAGR 2024 2025 2026 2027 2028 2029 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 dep
Slide 51: 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 2025 – 2029 Market Guidance 09 Shareholder Meeting 10 Appendix Branch office: Ostrava
Slide 52: Shareholder meeting
SHAREHOLDER MEETING Information about the upcoming shareholder meeting and dividend payment Record date for General Meeting General Meeting Prague 7 November 14 November 2025 2025 Record date for Dividend dividend1 payment date2 21 November 16 December 2025 2025 Note: (1) Subject to corporate, regul
Slide 53: 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 2025 – 2029 Market Guidance 09 Shareholder Meeting 10 Appendix Branch office: Říčany
Slide 54: Appendix
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
Slide 55: Calendar for 4Q 2025
REPORTING DATES, INVESTOR MEETINGS AND OTHER IMPORTANT DATES Calendar for 4Q 2025 General Meeting Goldman Sachs Prague Annual CEEMEA One-on-One, London 14 November 18 November 2025 2025 WOOD's FY 2025 Winter Wonderland Earnings EMEA Conference, Prague 2-5 December 3 February 2025 2026 55
Slide 56: Appendix
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
Slide 57: Net profit evolution
NET PROFIT EVOLUTION 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 Net profit1 (CZK bn) CZK 22.8bn CZK 33.3bn +46.2% 6.6 7.0 7.4 5.8 6.0 6.3 5.2 5.2 4.0 2.6 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2020 – 2029 Op
Slide 58: Appendix
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
Slide 59: Distribution of dividends 2016–2024
DISTRIBUTION OF DIVIDENDS 2016–2024 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) 6,643 Net profit 5,808 5,008 5,187 5,200 Dividend 4,599 4,054 3,923 4,088 4,200 4,019 3,984 3,577 4,
Slide 60: Total shareholder return comparison
TOTAL SHAREHOLDER RETURN COMPARISON MONETA delivered a total shareholder return of 112%, above European banks’ average Total shareholders return1 as at 30 September 2025 (%) 215.0 +112.1% MONETA 185.0 +86.6% Euro Stoxx Banks2 +73.1% Komerční 155.0 banka 125.0 95.0 30/08/2024 07/04/2025 04/07/2025 03
Slide 61: Appendix
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
Slide 62: 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 30/09 31/12 31/03 30/09 2024 2025 2025 20
Slide 63: Appendix
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
Slide 64: 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 65: Appendix
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
Slide 66: Czech deposit market
CZECH DEPOSIT MARKET MONETA outperformed the deposit market growth mainly thanks to deposit growth in the commercial segment Deposit market (CZK bn) Retail deposits (CZK bn) +4.8%/+2.7% +3.6%/+4.1% 3,599.9 3,659.0 3,695.4 3,732.0 3,771.9 7,113.6 7,213.5 7,344.8 7,368.3 6,926.7 322.7 324.0 330.2 334.
Slide 67: Czech lending market
CZECH LENDING MARKET 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) Retail gross loans (CZK bn) +7.1%/+3.1% 2,237.3 2,277.2 2,309.3 2,357.2 2,396.4 +5.4%/+5.2% 183.5 185.5 186.6 187.9 189.3
Slide 68: Appendix
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
Slide 69: Consolidated statement of financial position
FINANCIAL STATEMENTS 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% Investme
Slide 70: Consolidated statement of financial position – quarterly development
FINANCIAL STATEMENTS 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 19,26
Slide 71: Consolidated statement of profit or loss and other comprehensive income
FINANCIAL STATEMENTS 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
Slide 72: Consolidated statement of profit or loss – quarterly development
FINANCIAL STATEMENTS 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 si
Slide 73: Key performance ratios
FINANCIAL STATEMENTS 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) NIM (% avg i
Slide 74: Key performance ratios – quarterly development
FINANCIAL STATEMENTS 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
Slide 75: Appendix
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
Slide 76: 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 77: 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 78: 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 79: 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 80: 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 81: MONETA Money Bank
MONEY BANK MONETA