Moneta Money Bank As · PSECZ:MONET
Moneta Money Bank As — 1H 2026 Earnings Presentation
82 slides from Moneta Money Bank As's earnings presentation, Jul 24, 2026
Slide 1: 1H 2026 Results
1H 2026 Results Published on 24 July 2026 at 07:00 CET According to IFRS, Consolidated, Unaudited MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION
Slide 2: 1H 2026 Key highlights
1H 2026 Key highlights Operating Operating Net (in CZK) income expenses profit • Operating income reached CZK 7.2 billion (+6.5%), driven mainly by growth in net interest income (+8.5%), accompanied by higher net fee and commission income (+6.2%) 7.2bn 2.9bn 3.3bn +6.5% stable +8.1% • Operating expe
Slide 3: 1H 2026 Key highlights: capital
1H 2026 Key highlights Capital CET1 MREL (in CZK) adequacy ratio1 ratio2 ratio 20.0% 13.1% 28.7% • Capital adequacy ratio at 20.0% with an excess of CZK 8.0 billion or 4.5pp above the capital management target1 • CET1 ratio at 13.1% with an excess of Excess 4.5pp Excess 2.4pp Excess 6.4pp CZK 4.4 bi
Slide 4: 2026 Key messages (1/2)
2026 Key messages (1/2) Targeting overall lending growth in the range of 7.5−9.5%, exceeding expected Czech GDP growth of 2.5%. Lending The lending strategy remains focused on SME and small business segments, which offer attractive margins growth and efficient capital utilisation. This is reflected
Slide 5: 2026 Key messages (2/2)
2026 Key messages (2/2) Targeting to deliver operating income of CZK 14.8 billion, representing a potential increase of 6.1% Operating compared with 2025. Supported by 1H 2026 growth of 6.5% through better-than-expected performance income concerning net interest income. Targeting operating expenses
Slide 6: 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 7: Czech economy remains solid; 2.5% GDP growth projected for 2026
MACROECONOMIC ENVIRONMENT Czech economy remains solid; 2.5% GDP growth projected for 2026 GDP evolution1 (CZK bn) Government debt in % of GDP at current prices2 2025: 2.6% 2026F: 2.5% GDP at constant prices GDP Y/Y % change EURO area - 20 countries Czech Republic 1,633 1,666 1,678 1,511 1,544 93.8 8
Slide 8: Inflation declining toward the CNB target; key rate increased by 25 bps
MACROECONOMIC ENVIRONMENT Inflation declining toward the CNB target; the key rate increased by 25 bps in June 2026 Inflation and consumer price index1 (year-over-year % change) Two-week repo rate (end of period) End of period 6.6% 15.8% 6.9% 3.0% 2.1% 1.5% change2 15.1% 15.0% 10.7% 4.25% 10.0% 4.00%
Slide 9: 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 10: Overall business platform
Overall business platform Total number Branch Own & shared • Stable client base with 40.4 thousand of clients network ATM network1 1.6m 118 1,917 clients acquired while 30.4 thousand clients left • Branch network further reduced to 118 +0.2% (3.3)% (1.6)% units; six locations closed and one opened •
Slide 11: Digital platform
Digital platform Digital Average Loans • Growing number of mobile digital banking platform users1 daily visits granted (CZK) 1.7m 734ths 20.5bn users (clients and account authorised signatories) • Steady growth in daily touchpoints through +6.5% +1.9% +56.3% digital channels and an increase in trans
Slide 12: Branch network
Branch network Number of Number of staff Branch • Declining footfall in branches requires branches1 at branches2 visits3 118 1,015 383ths relocation of units to high traffic areas and creates additional opportunities for optimisation (3.3)% (3.8)% (9.8)% • Branch network refocused to intermediate sa
Slide 13: Contact centre
Contact centre Inbound Number Email • Increased inbound call volumes appear to traffic1 of staff communication2 391ths 214 61ths be linked to lower traffic across the branch network and necessitated the strengthening of relevant human resources +3.1% (3.6)% (24.4)% • Improving quality of service in
Slide 14: ATM network
ATM network Own & shared Deposit ATMs in Own ATM ATM network shared network network • Significant growth of deposit ATMs through the addition of Unicredit Bank capability to accept deposits (+145 machines) 1,917 959 540 (1.6)% +20.6% (4.1)% • MONETA is adding 16 new deposit ATMs during July and Augu
Slide 15: 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 16: Net profit of CZK 3.3 billion, up by 8.1%, driven by operating income growth
PROFIT AND LOSS STATEMENT Net profit of CZK 3.3 billion, up by 8.1%, driven by operating income growth of 6.5% CHANGE PROFIT AND LOSS (CZK m) 1H 2025 1H 2026 YoY Net interest income growth driven by higher Net interest income 4,758 5,162 8.5% lending income, together with improved NIM to 2.05%, comp
Slide 17: Net interest income growth achieved through loan portfolio expansion
NET INTEREST INCOME DRIVERS Net interest income growth achieved through the expansion of the loan portfolio accompanied by repricing of mortgage book Net interest income (CZK m) Interest income on loans (CZK m) +10.3% +9.2% 3,423 3,444 3,528 3,589 3,777 +5.0% 2Q’25 3Q’25 4Q’25 1Q’26 2Q’26 2,644 2,42
Slide 18: Net fee and commission income growth supported by wealth management
FEE AND COMMISSION INCOME & EXPENSE Net fee and commission income growth supported by the wealth management franchise and higher fees Net fee and commission income (CZK m) Third-party commission income (CZK m) 514 539 555 587 474 Wealth mngt +10.8% 231 257 262 282 189 +49.2% YoY Insurance +5.0% 285
Slide 19: Rapid growth of wealth management portfolio generated 33% growth in commissions
DISTRIBUTION OF WEALTH MANAGEMENT PRODUCTS Rapid growth of the wealth management portfolio generated 33% growth in commissions from this category Commissions from wealth management products distribution (CZK m) 1H 2025 1H 2026 Change +33.3% 544 Number of licensed staff (MiFiD)1 541 576 +6.5% 408 Wea
Slide 20: Improved commission income in three insurance product categories
INSURANCE PRODUCT DISTRIBUTION Improved commission income in three product categories offsetting lower performance in life insurance 1H 2025 1H 2026 Change Commissions from insurance product distribution (CZK m) Number of licensed staff1 733 689 (6.0)% +2.9% 581 598 Payment protection insurance Gros
Slide 21: Cost base stable as higher personnel costs offset by lower admin and D&A
OPERATING EXPENSES Cost base stable as a result of higher personnel costs and regulatory charges offset by decreased admin and D&A Operating expenses (CZK m) Key highlights +0.2% • Regulatory charges increased by 8.7% or CZK 17 million 2,873 2,880 primarily due to deposit base expansion 195 212 Regu
Slide 22: Personnel costs increase of 8.9%
OPERATING EXPENSES Personnel costs increase of 8.9% is a combination of marginal recurrent costs inflation and performance driven one-offs Personnel expenses and number of FTEs (CZK m) Key highlights Recurrent personnel expenses: +8.9% • Average salary increased by 6.3% YoY below the average 891 +2.
Slide 23: Administrative and other expenses decreased by 9.4%
OPERATING EXPENSES Administrative and other expenses decreased by 9.4% mainly in IT and marketing Administrative & Other expenses1 (CZK m) Key highlights (9.4)% • IT expenses decreased by 14.1% to CZK 173 million mainly +10.3% due to the completion of Cloud migration in 2025 459 455 416 87 399 • Fac
Slide 24: 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 25: Loan portfolio growth with increased yield and reduced cost of funds
KEY BALANCE SHEET METRICS Loan portfolio growth accompanied by increased yield and reduced cost of funds resulted in higher net interest income Loan portfolio (CZK bn) Funding base (CZK bn) +9.1% +4.1% +6.1% +3.7% 283.7 291.8 309.6 461.9 463.7 480.7 30/06/2025 31/12/2025 30/06/2026 30/06/2025 31/12/
Slide 26: Balance sheet expanded by 4.5%
BALANCE SHEET PROFILE AND DEVELOPMENT Balance sheet expanded by 4.5%, or CZK 22.4 billion in absolute amount Assets (CZK bn) Equity and liabilities (CZK bn) +4.5% +4.5% 520.5 525.2 520.5 525.2 Repo operations 502.8 499.2 504.5 502.8 499.2 504.5 7.2 and due to banks3 Cash and cash 3.9 67.2 74.4 balan
Slide 27: Growth in new lending volumes
NEW LENDING VOLUMES Growth in new lending volumes, accompanied by a focus on high margin products: consumer, small business and SME lending New lending volume (CZK bn) New retail lending volume (CZK bn) +39.5% 29.9 +43.9% 21.4 Mortgage loans 14.6 +61.8% YoY 51.7 9.0 Consumer and 12.4 15.3 other loan
Slide 28: Lending strategy results in more than 9% growth
LOAN PORTFOLIO Current lending strategy results in more than 9% growth through the expansion of small business and SME portfolios Loan portfolio (CZK bn) +9.1% 309.6 287.8 291.8 296.9 283.7 193.4 Retail 187.6 187.5 187.6 +4.2% YoY 185.7 Small business 20.5 21.6 23.4 18.3 19.3 +27.5% YoY 83.8 87.7 92
Slide 29: Retail loan portfolio growth driven by mortgage and consumer loans
RETAIL LOAN PORTFOLIO DEVELOPMENT Retail loan portfolio growth was driven by both mortgage and consumer loans Retail loan portfolio (CZK bn) +4.2% 193.4 185.7 187.6 187.5 187.6 Auto loans 2.9 +6.4% YoY 2.7 2.8 2.8 2.9 42.9 Consumer loans 39.1 39.8 40.6 41.8 +9.9% YoY Mortgage portfolio1 132.7 134.2
Slide 30: Commercial loan portfolio nearly 19% growth
COMMERCIAL LOAN PORTFOLIO DEVELOPMENT Investment and small business loans were instrumental in driving nearly 19% growth in the commercial segment Commercial loan portfolio (CZK bn) +18.5% 116.2 109.3 Auto loans1 104.3 10.7 98.0 100.2 10.6 +9.3% YoY 10.4 Small business loan 9.8 10.0 23.4 21.6 +27.5%
Slide 31: Overall loan portfolio yield went up to 5.0%
LOAN PORTFOLIO YIELD EVOLUTION Overall loan portfolio yield went up to 5.0%, supported by retail yield increase to 4.6% and stable commercial yield at 5.7% Loan portfolio yield (%) Retail loan portfolio yield (%) 4.45 4.57 4.33 4.36 4.39 5.00 2Q 3Q 4Q 1Q 2Q 4.83 4.85 4.87 4.89 2025 2026 Commercial l
Slide 32: Funding base expansion of 4.1% supported by all three segments
FUNDING BASE Funding base expansion of 4.1% was supported by growth in all three segments Customer deposits and wholesale funding1 (CZK bn) +4.1% 473.8 480.7 461.9 458.0 463.7 340.7 339.1 Retail 334.5 328.8 331.2 +1.4% YoY Commercial 103.6 104.1 109.2 109.3 115.3 +11.3% YoY 23.8 25.1 23.3 23.7 26.4
Slide 33: Combined retail deposits and wealth management grew by 6.4%
RETAIL CUSTOMER DEPOSITS DEVELOPMENT AND WEALTH MANAGEMENT Combined position of retail deposits and wealth management grew by 6.4%; 65% of investments are funded from the retail deposits Retail customer deposits and wealth management (CZK bn) +6.4% 422.2 427.7 402.0 402.0 410.1 81.5 88.7 Wealth mana
Slide 34: Retail deposit base slightly increased by 1.4%
RETAIL CUSTOMER DEPOSITS DEVELOPMENT Retail deposit base slightly increased by 1.4% as a result of current pricing policy Retail customer deposits (CZK bn) +1.4% 334.5 331.2 340.7 339.1 328.8 55.5 57.1 Current account deposits 56.5 56.0 55.3 +1.0% YoY 285.2 Savings, term and 278.0 272.8 275.9 282.0
Slide 35: Commercial segment grew by 11.3%
COMMERCIAL CUSTOMER DEPOSITS DEVELOPMENT Commercial segment grew by 11.3%, supported by strong growth in the current account category Commercial customer deposits (CZK bn) +11.3% 115.3 109.2 109.3 103.6 104.1 57.1 Current account deposits 54.0 52.8 +14.8% YoY 49.7 50.6 Savings, term and 53.8 53.5 55
Slide 36: Average cost of funds
AVERAGE COST OF FUNDS Competitive market situation currently does not allow for further decrease of funding costs Retail (%) 2.26 2.16 2.20 Customer deposits (%) 2.08 2.11 2.06 1.93 1.96 1.99 2.04 2Q 3Q 4Q 1Q 2Q Cost of funds (%) 2025 2026 2Q 3Q 4Q 1Q 2Q 2.19 2.08 2.12 2.11 2.18 Commercial (%) 2025
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 credit risk ratios
KEY CREDIT RISK RATIOS Year-over-year credit costs ratio increase driven by higher new loan origination and single large commercial default Credit costs ratio (release in brackets, creation without Loan loss provision coverage brackets, YtD) (0.22)pp +0.09pp 1.37% 1.24% 0.28% 1.15% 0.19% 0.16% 1H 20
Slide 39: Commercial credit costs increased due to a single default
CREDIT COSTS Commercial credit costs increased due to a single default; retail credit costs benefited from release of management overlay 0.90 Credit costs Annualised credit costs ratio (CZK m, release in brackets, creation without brackets, QtD) (%, release in brackets, creation without brackets, Qt
Slide 40: Loan portfolio and loan loss provisions
LOAN PORTFOLIO AND LOAN LOSS PROVISIONS Loan portfolio growth alongside NPL disposals supported further NPL ratio decline, while provision coverage remained solid Gross loan portfolio (CZK m) Loan loss provisions (CZK m) +8.8% (8.3)% 287,124 290,975 294,810 299,810 312,491 3,931 3,872 3,652 3,606 Ma
Slide 41: NPL disposals and proactive collections keep NPL balance stable
NON-PERFORMING LOAN DEVELOPMENT NPL disposals and proactive collections are keeping the NPL balance stable NPL balance and net formation (CZK m) 963 804 953 878 3,458 3,193 (1,099) (705) 2,990 2,872 2,898 (131) (809) (301) (703) (262) (151) Net NPL formation Net NPL formation Net NPL formation Net N
Slide 42: Delinquency rates remained low and stable
PAST DUE EXPOSURES DEVELOPMENT Delinquency rates remained low and stable, supported by solid core performance and collection strategy Share of past due exposures in the 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 0.63 0.53 0.51 0.58 0.57
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 Liquidity position remained strong, gradually decreasing due to growth in lending Loan to deposit ratio Share of high-quality liquid assets in customer deposits 65% 66% 68% 41% 40% 39% 30/06/2025 31/12/2025 30/06/2026 30/06/2025 31/12/2025 30/06/2026 Liquidity coverage ratio Net
Slide 45: HQLA position remained stable
HIGH-QUALITY LIQUID ASSETS DEVELOPMENT HQLA position remained stable, providing sufficient capacity for lending growth High-quality liquid assets (CZK bn) (0.2)% 178.4 174.2 176.7 178.1 171.4 Cash 3.1 3.5 3.1 3.2 3.4 +6.2% YoY 61.3 54.3 57.4 Balances at the CNB 53.8 58.8 (6.4)% YoY Government 114.0
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: AT1 issuance strengthened capital position
CAPITAL POSITION ON A CONSOLIDATED BASIS The AT1 issuance strengthened overall capital position and excess capital increased by CZK 2.4 billion Regulatory capital (CZK bn) Capital adequacy ratio 36.0 19.95% 18.70% 30.8 Tier 2 4.82% Tier 2 8.7 4.57% 7.5 3.6 2.01% AT1 AT1 23.3 23.7 CET1 14.13% 13.12%
Slide 48: MONETA maintains CZK 4.4 billion of excess CET1 capital
CAPITAL POSITION ON A CONSOLIDATED BASIS MONETA maintains CZK 4.4 billion of excess CET1 capital in addition to the accrued dividend of CZK 3.0 billion as of 30 June 2026 CET1 excess capital development (CZK m) 10,000 • CET1 excess capital increased by CZK 1.7 billion to CZK 4.4 billion 3,346 2,987
Slide 49: MREL ratio stands at 28.7% on an individual basis
CAPITAL POSITION ON AN INDIVIDUAL BASIS On an individual basis MREL ratio stands at 28.7%, well above MREL management target Regulatory capital and MREL instruments (CZK bn) MREL adequacy ratio 28.69% 27.52% 51.0 Excess 5.17% 6.39% 44.4 12.9 MREL 1.00% 1.25% Management buffer1 12.1 8.7 Tier 2 7.5 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: On track to deliver and exceed minimum net profit target for 2026
2026‒2030 MEDIUM-TERM GUIDANCE MONETA on track to deliver and exceed minimum net profit target for 2026 Updated CAGR Metrics 2026 2027 2028 2029 2030 2026 2026‒2030 Total operating income (CZK bn) 14.6 14.8 15.4 16.1 16.7 17.5 4.6% Total operating expenses (CZK bn) (6.0) (5.9) (6.1) (6.2) (6.4) (6.5
Slide 52: Projected loans and deposits growth
2026–2030 MEDIUM-TERM GUIDANCE Projected loans and deposits growth Actuals CAGR 2025 2026 2027 2028 2029 2030 06/2026 2025‒2030 Gross performing loans 291.8 306.2 309.6 326.2 349.4 372.4 392.8 6.1% development Retail 187.5 189.5 193.4 195.7 204.9 214.8 222.9 3.5% Commercial 104.3 116.7 116.2 130.5 1
Slide 53: Net profit evolution
NET PROFIT EVOLUTION The guidance published on 3 February 2026 targeted nearly a 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% Two-week repo rate (annual average) 3.5% 3.5% 3.5% 3.5% 3.5% 1M Pribor (annual avera
Slide 55: 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 56: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 57: Calendar for 2026
REPORTING DATES, INVESTOR MEETINGS AND OTHER IMPORTANT DATES Calendar for 2026 Earnings release Investor events 3Q 2026: GS Conference: 23 October 2026 14 September 2026 FY 2026: Baader Conference: 02 February 2027 23 September 2026 GS Conference: 16 – 17 November 2026 J.P. Morgan Conference: 19 – 2
Slide 58: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 59: 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 60: MONETA delivered a total shareholder return of 71.0%
TOTAL SHAREHOLDER RETURN COMPARISON MONETA delivered a total shareholder return of 71.0% Total shareholder return1 as at 30 June 2026 (%) 105 Euro Stoxx +102.3% Banks2 70 +71.0% MONETA +36.6% Komerční 35 banka 0 30/06/2025 30/09/2025 30/06/2026 31/03/2025 30/04/2025 31/05/2025 31/08/2025 31/03/2026
Slide 61: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 62: Capital requirements and targets on a consolidated basis
CAPITAL REQUIREMENTS AND TARGETS ON A CONSOLIDATED BASES CET1 management target decreased after the AT1 issuance, having previously equalled the Tier 1 management target Management capital target on a consolidated basis Capital target coverage on a consolidated basis 30/06 31/12 30/06 30/06 31/12 30
Slide 63: Capital requirements and targets on an individual basis
CAPITAL REQUIREMENTS AND TARGETS ON AN INDIVIDUAL BASES AT1 issuance lowers the CET1 management target also on an individual basis Management capital target on an individual basis Capital target coverage on an individual basis 30/06 31/12 30/06 30/06 31/12 30/06 2025 2025 2026 2025 2025 2026 MREL –
Slide 64: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 65: Issued bonds and capital instruments overview
ISSUED BONDS AND CAPITAL INSTRUMENTS OVERVIEW In June 2026, MONETA issued an AT1 capital instrument in the amount of EUR 150 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 Ti
Slide 66: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 67: Czech deposit market
CZECH DEPOSIT MARKET MONETA outperformed commercial deposit market growth; retail deposits reflected MONETA’s cautious repricing approach Deposit market (CZK bn) Retail deposits (CZK bn) +5.9%/+2.5% +5.0%/+4.1% 3,732.0 3,769.6 3,834.3 3,903.8 3,950.7 7,344.8 7,383.6 7,366.6 7,616.7 7,714.1 334.5 328
Slide 68: Czech lending market
CZECH LENDING MARKET MONETA significantly outperformed the lending market growth in the commercial segment Lending market – Gross loans (CZK bn) Retail gross loans (CZK bn) +9.2%/+2.5% 2,357.2 2,415.5 2,470.0 2,527.5 2,573.9 +7.6%/+7.3% 187.9 189.8 189.5 189.5 192.6 4,355.8 4,397.3 4,501.9 4,605.0 4
Slide 69: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 70: Consolidated statement of financial position
FINANCIAL STATEMENTS Consolidated statement of financial position CZK m 30/06/2025 31/12/20251 30/06/2026 YtD % change YoY % Change Cash and cash balances at the central bank 21,476 20,898 15,793 (24.4)% (26.5)% Derivative financial instruments with positive fair values 494 633 682 7.7% 38.1% Invest
Slide 71: Consolidated statement of financial position - quarterly development
FINANCIAL STATEMENTS Consolidated statement of financial position – quarterly development CZK m 30/06/2024 30/09/2024 31/12/20241 31/03/2025 30/06/2025 30/09/2025 31/12/20251 31/03/2026 30/06/2026 Cash and cash balances at the central bank 9,468 11,816 13,541 18,019 21,476 19,267 20,898 11,574 15,79
Slide 72: Consolidated statement of profit or loss and other comprehensive income
FINANCIAL STATEMENTS Consolidated statement of profit or loss and other comprehensive income CZK m 1H 2025 1H 2026 % Change Interest and similar income 9,866 10,310 4.5% Interest expense and similar charges (5,108) (5,148) 0.8% Net interest income 4,758 5,162 8.5% Fee and commission income 1,896 2,0
Slide 73: Consolidated statement of profit or loss - quarterly development
FINANCIAL STATEMENTS Consolidated statement of profit or loss and other comprehensive income - quarterly development CZK m 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Interest and similar income 5,751 5,345 5,147 4,911 4,955 4,884 4,931 5,018 5,292 Interest expense and si
Slide 74: Key performance ratios
FINANCIAL STATEMENTS Key performance ratios Profitability 1H 2025 FY 2025 1H 2026 YtD change in pp YoY Change in pp Yield 4.8% 4.9% 4.9% 0.0 0.1 Cost of funds1 2.22% 2.16% 2.15% (0.01) (0.07) Cost of funds on customer deposits (% avg deposits) 2.08% 2.02% 2.02% 0.00 (0.06) NIM (% avg int earning ass
Slide 75: Key performance ratios - quarterly development
FINANCIAL STATEMENTS Key performance ratios – quarterly development Profitability 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Yield 4.9% 4.9% 4.9% 4.8% 4.8% 4.8% 4.9% 4.9% 5.0% Cost of funds1 3.29% 2.70% 2.37% 2.24% 2.19% 2.08% 2.12% 2.11% 2.18% Cost of funds on customer
Slide 76: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 77: 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 78: 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 79: 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 80: 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 81: 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 82: MONETA Money Bank
MONEY BANK MONETA