Moneta Money Bank As · PSECZ:MONET
Moneta Money Bank As — Q1 2026 Earnings Presentation
80 slides from Moneta Money Bank As's earnings presentation, Apr 24, 2026
Slide 1: 1Q 2026 Results
1Q 2026 Results Published on 24 April 2026 at 07:00 CET According to IFRS, Consolidated, Unaudited MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION
Slide 2: Key highlights
1Q 2026 Key highlights Operating Operating Net (in CZK) income expenses profit • Operating income of CZK 3.5 billion (+4.8%) mainly driven by growth in net interest income (+7.7%), accompanied by higher net fee and commission income (+1.8%) 3.5bn 1.5bn 1.6bn +4.8% +1.0% +8.0% • Operating expenses sl
Slide 3: Key highlights
1Q 2026 Key highlights Capital Tier 1 MREL (in CZK) adequacy ratio1 Ratio2 ratio 17.9% 13.7% 27.0% • Capital adequacy ratio at 17.9% with an excess of CZK 4.5 billion or 2.6pp above the capital management target1 Excess 2.6pp Excess 1.2pp Excess 4.9pp • Tier 1 ratio at 13.7% with an excess of CZK 2.
Slide 4: General Meeting Summary
GENERAL MEETING SUMMARY Shareholders approved all the items on the agenda at the General Meeting held on 21 April 2026 Key points approved by shareholders: Annual Consolidated Financial Statements of MONETA Money Bank, a.s. as of 31 December 2025 Annual Separate Financial Statements of MONETA Mo
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: Macroeconomic Environment
MACROECONOMIC ENVIRONMENT Czech economy grew by 2.6% in 2025, more than expected; 2026 state budget deficit approved at CZK 310 billion GDP evolution1 (CZK bn) Government debt in % of GDP at current prices2 2025: 2.6% 2026F: 2.9% GDP at constant prices GDP Y/Y % change EURO area - 20 countries Czech
Slide 7: Macroeconomic Environment
MACROECONOMIC ENVIRONMENT Inflation declining toward the CNB target, the key rate remained stable, as well as the yield curve 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% 1.9% change2 15.1% 15.0% 10.7% 4.25%
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 • Stable client base, the MONETA acquired of clients network ATM network1 1.6m 123 1,920 20.3 thousand clients, and 16.2 thousand clients left the MONETA • Branch network maintained stable; a +0.2% (0.8)% (0.8)% decision to close an addition
Slide 10: Digital platform
Digital platform Digital Average Loans • Growing number of clients registering and platform users1 daily visits granted (CZK) 1.7m 745ths 7.5bn using the mobile banking platform Smart Banka • Steady growth in daily touchpoints through +7.3% +4.6% +20.4% digital channels and an increase in transactio
Slide 11: Branch network
Branch network Number of Number of staff Branch • Rapidly declining footfall in branches branches1 at branches2 visits3 123 1,023 201ths requires relocation of units to high traffic areas and creates additional opportunities for optimisation (0.8)% (2.9)% (14.9)% • Branch network refocused to interm
Slide 12: Contact centre
Contact centre Inbound Number Email • Increased inbound call intensity seems to be traffic1 of staff communication2 201ths 224 42ths related to lower traffic at the branch network and necessitated the strengthening of relevant human resources +5.1% +1.8% (6.1)% • Improving quality of service in term
Slide 13: ATM network
ATM network Own & shared Deposit ATMs in Own ATM • Stable ATM network coverage through ATM network shared network network 1,920 957 541 alliance with AirBank, Komerční banka and Unicredit Bank • Significant growth of deposit ATMs through (0.8)% +23.0% (2.9)% the addition of Unicredit Bank capability
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: Profit and loss statement
PROFIT AND LOSS STATEMENT Net profit of CZK 1.6 billion, up by 8.0%; driven by operating income growth of 4.8% CHANGE PROFIT AND LOSS (CZK m) 1Q 2025 1Q 2026 YoY Net interest income growth driven by higher Net interest income 2,337 2,518 7.7% lending income, together with improved NIM to 2.0%, compa
Slide 16: Net interest income drivers
NET INTEREST INCOME DRIVERS Net interest income growth achieved through the expansion of the loan portfolio accompanied by 10-basis-points NIM improvement Net interest income (CZK m) Interest income on loans (CZK m) +7.3% 3,344 3,423 3,444 3,528 3,589 +7.7% +2.3% 1Q’25 2Q’25 3Q’25 4Q’25 1Q’26 2,421
Slide 17: Fee and commission income & expense
FEE AND COMMISSION INCOME & EXPENSE Net fee income growth supported by the wealth management franchise and higher fees Net fee and commission income (CZK m) Third-party commission income (CZK m) 515 514 539 555 474 Wealth mngt 219 189 231 257 262 +19.6% YoY +1.8% 296 285 293 Insurance 283 282 (1.4)%
Slide 18: Distribution of wealth management products
DISTRIBUTION OF WEALTH MANAGEMENT PRODUCTS Rapid growth of the wealth management portfolio generated 20% growth in commissions from this category Commissions from wealth management products distribution (CZK m) 1Q 2025 1Q 2026 Change +19.6% 262 Number of licensed staff (MiFiD) 529 567 +7.2% 219 Weal
Slide 19: Insurance product distribution
INSURANCE PRODUCT DISTRIBUTION Stable commission income supported by growth in three product lines offsetting struggling performance in life insurance 1Q 2025 1Q 2026 Change Commissions from insurance product distribution (CZK m) (1.0)% Number of licensed staff1 720 698 (3.1)% 296 293 Payment protec
Slide 20: Operating expenses
OPERATING EXPENSES Cost base up by 1.0% resulting from higher personnel costs and regulatory charges, partially offset by decreased admin and D&A Operating expenses (CZK m) Key highlights +1.0% • Regulatory charges increased by 7.2% or CZK 14 million 1,513 primarily due to deposit base expansion 1,4
Slide 21: Personnel expenses
OPERATING EXPENSES Personnel expenses are up by 5% on a recurrent basis, below the market; employment base remains stable Personnel expenses and number of FTEs (CZK m) Key highlights +8.5% Recurrent personnel expenses: (25.8)% • Average salary increased by 6.0 % YoY below the average 891 wage inflat
Slide 22: Administrative and other expenses
OPERATING EXPENSES Administrative and other expenses decreased by 6% in line with expectations Administrative & Other expenses1 (CZK m) Key highlights (6.0)% (17.1)% • IT expenses decreased by 5.2% to CZK 166 million mainly due to the completion of Cloud migration in 2025 459 455 401 87 399 • Facili
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: Key balance sheet metrics
KEY BALANCE SHEET METRICS Funding base expansion supports strong loan portfolio growth, accompanied by a lower cost of funds Loan portfolio (CZK bn) Funding base (CZK bn) +6.8% +3.9% +1.8% +2.2% 278.1 291.8 296.9 455.9 463.7 473.8 31/03/2025 31/12/2025 31/03/2026 31/03/2025 31/12/2025 31/03/2026 Loa
Slide 25: Balance sheet profile and development
BALANCE SHEET PROFILE AND DEVELOPMENT Balance sheet expanded by nearly CZK 20 billion, as a result of funding base growth Assets (CZK bn) Equity and liabilities (CZK bn) +3.9% +3.9% 520.5 520.5 Repo operations 500.7 502.8 499.2 504.5 500.7 502.8 499.2 504.5 and due to banks3 Cash and cash 3.9 67.2 4
Slide 26: 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) +12.7% 11.8 10.4 Mortgage loans +27.3% 4.2 4.3 (2.2)% YoY 20.9 Consumer and 6.2 7.6 other loans1
Slide 27: Loan portfolio
LOAN PORTFOLIO Current lending strategy results in nearly 7% growth through the expansion of small business and SME portfolios Loan portfolio (CZK bn) +6.8% 291.8 296.9 283.7 287.8 278.1 187.5 187.6 Retail 184.2 185.7 187.6 +1.9% YoY 19.3 20.5 21.6 Small business 17.2 18.3 +25.7% YoY 76.8 79.7 80.9
Slide 28: Retail loan portfolio development
RETAIL LOAN PORTFOLIO DEVELOPMENT Retail loan portfolio growth was driven by both mortgage and consumer loans Retail loan portfolio (CZK bn) +1.9% 184.2 185.7 187.6 187.5 187.6 Auto loans 2.7 2.7 2.8 2.8 2.9 +6.5% YoY 39.1 39.8 40.6 41.8 Consumer loans 38.6 +8.3% YoY 132.7 134.2 Mortgage portfolio1
Slide 29: Commercial loan portfolio development
COMMERCIAL LOAN PORTFOLIO DEVELOPMENT Investment and small business loans were instrumental in driving 16% growth in the commercial segment Commercial loan portfolio (CZK bn) +16.3% 109.3 104.3 Auto loan1 98.0 100.2 10.6 94.0 10.4 +9.5% YoY 9.8 10.0 Small business loan 9.6 21.6 20.5 +25.7% YoY 18.3
Slide 30: Loan portfolio yield evolution
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 4.4 4.4 4.4 1Q 2Q 3Q 4Q 1Q 4.8 4.8 4.8 4.9 4.9 2025 2026 Commercial loan portfo
Slide 31: Funding base
FUNDING BASE Funding base expansion at 3.9% was supported by growth in both the retail (3.2%) and commercial (6.5%) segments Customer deposits and wholesale funding1 (CZK bn) +3.9% 461.9 463.7 473.8 455.9 458.0 330.2 334.5 328.8 331.2 340.7 Retail +3.2% YoY Commercial 102.6 103.6 104.1 109.2 109.3 +
Slide 32: Retail customer deposits development and wealth management
RETAIL CUSTOMER DEPOSITS DEVELOPMENT AND WEALTH MANAGEMENT Combined position of retail deposits and wealth management grew by 7.3%, 65% of investments are funded from the existing deposits Retail customer deposits and wealth management (CZK bn) +7.3% 410.1 422.2 393.4 402.0 402.0 81.5 Wealth managem
Slide 33: Retail customer deposits development
RETAIL CUSTOMER DEPOSITS DEVELOPMENT Retail deposit base growth of 3.2% further accelerated in 1Q 2026 following the introduction of competitive retention interest rates Retail customer deposits (CZK bn) +3.2% 330.2 334.5 331.2 340.7 328.8 55.5 Current account deposits 55.2 56.5 56.0 55.3 +0.5% YoY
Slide 34: Commercial customer deposits development
COMMERCIAL CUSTOMER DEPOSITS DEVELOPMENT Commercial segment grew by 6.5%, supported by steady growth in the current account category Commercial customer deposits (CZK bn) +6.5% 109.2 109.3 102.6 103.6 104.1 54.0 52.8 Current accounts 47.6 49.7 50.6 +10.8% YoY Savings, term and 55.0 53.8 53.5 55.2 56
Slide 35: Cost of funds
COST OF FUNDS Competitive market situation currently does not allow for further decrease in overall funding costs Retail (%) 2.31 Customer deposits (%) 2.26 2.16 2.08 2.11 2.11 2.06 1.99 1.93 1.96 1Q 2Q 3Q 4Q 1Q Cost of funds – average (%) 2025 2026 2.24 2.19 1Q 2Q 3Q 4Q 1Q Commercial (%) 2.12 2.11
Slide 36: 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 37: Key risk ratios
KEY RISK RATIOS Benign credit risk environment prevailed through 1Q 2026, as indicated by key metrics Credit cost ratio (release in brackets, creation without brackets, Loan loss provision coverage YtD) (0.24)pp 0.0pp 1.42% 1.24% 1.18% 0.22% 0.22% 0.16% 1Q 2025 2025 1Q 2026 1Q 2025 2025 1Q 2026 Non-
Slide 38: Credit cost
CREDIT COST Credit cost reflects a low level of overlay releases, reduced commercial provisions and is further mitigated by NPL disposal gains Credit cost Annualised credit cost ratio (CZK m, release in brackets, creation without brackets, QtD) (%, release in brackets, creation without brackets, QtD
Slide 39: Loan portfolio and loan loss provisions
LOAN PORTFOLIO AND LOAN LOSS PROVISIONS Loan portfolio growth accompanied by an absolute and relative decrease in NPLs and a corresponding level of provisions Gross loan portfolio (CZK m) Loan loss provisions (CZK m) +6.4% (11.9)% 281,755 287,124 290,975 294,810 299,810 4,013 3,931 3,872 3,652 3,535
Slide 40: Non-performing loan development
NON-PERFORMING LOAN DEVELOPMENT NPL disposals and proactive collection measures contributed to decreasing the NPL balance, accompanied by lower net NPL formation NPL balance and net formation (CZK m) 1,105 963 804 953 3,612 3,458 (1,065) 3,193 (194) 2,990 (1,099) (705) 2,872 (131) (809) (301) (262)
Slide 41: Past due exposures development
PAST DUE EXPOSURES DEVELOPMENT Delinquency rates remained low and stable, supported by solid core performance and 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 0.63 0.53 0.51 0.58 0.57 0.59
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 2026‒2030 Market Guidance 09 Appendix Branch office: Karlovy Vary
Slide 43: Key liquidity ratios
KEY LIQUIDITY RATIOS Liquidity position remained strong and stable Loan to deposit ratio Share of high-quality liquid assets on customer deposits 64% 66% 66% 42% 40% 39% 31/03/2025 31/12/2025 31/03/2026 31/03/2025 31/12/2025 31/03/2026 Liquidity coverage ratio Net stable funding ratio 415% 367% 321%
Slide 44: High-quality liquid assets development
HIGH-QUALITY LIQUID ASSETS DEVELOPMENT Marginal decrease of HQLA position reflected in loan portfolio growth, resulting in lower balances held with the CNB High-quality liquid assets (CZK bn) (2.4)% 181.1 178.4 176.7 171.4 174.2 Cash 2.9 3.1 3.1 3.4 3.5 +6.1% YoY 65.7 54.3 Balances at the CNB 61.3 5
Slide 45: 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 46: Key capital ratios – consolidated basis
KEY CAPITAL RATIOS – CONSOLIDATED BASIS Solid capital position with CZK 4.5 billion excess; 2026 dividend distribution assumed at 90% of net profit Capital adequacy ratio Tier 1 capital adequacy ratio 18.70% 14.13% 13.72% 17.88% Distributable excess 3.45% Excess capital T1, T2 1.63% 1.22% 2.63% capi
Slide 47: Capital position on a consolidated basis
CAPITAL POSITION ON A CONSOLIDATED BASIS On a consolidated basis, capital position supported by a stable RWA density of 32.7% Regulatory capital (CZK bn) Risk-weighted assets and density (CZK bn, %) Density 32.6% 32.7% 30.8 30.8 7.5 7.2 Tier 2 172.3 164.8 23.3 23.6 Tier 1 31/12/2025 31/03/2026 31/12
Slide 48: Capital position on an individual basis
CAPITAL POSITION ON AN INDIVIDUAL BASIS On an individual basis, a solid MREL ratio of 26.97% is 492bps above MREL management target; reduced in 1Q 2026 to 22.05% Regulatory capital and MREL instruments (CZK bn) Risk-weighted assets and density (CZK bn, %) Density 32.6% 32.8% 44.4 45.6 12.1 12.6 MREL
Slide 49: 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 50: 2026–2030 medium-term guidance
2026‒2030 MEDIUM-TERM GUIDANCE MONETA remains committed to the guidance published in February 2026 and to delivering a cumulative net profit of CZK 37.1bn 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) (
Slide 51: Net profit evolution
NET PROFIT EVOLUTION The current guidance on a comparative basis targets 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
Slide 52: 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) 3.
Slide 53: 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 de
Slide 54: 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 55: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 56: Calendar for 2026
REPORTING DATES, INVESTOR MEETINGS AND OTHER IMPORTANT DATES Calendar for 2026 Earnings release Dividend distribution Investor events 1H 2026: Record date: US Roadshow: 24 July 2026 27 April 2026 12 – 15 May 2026 3Q 2026: Payment date: ERSTE Conference: 23 October 2026 15 May 2026 25 May 2026 FY 202
Slide 57: Appendix
Appendix • Events with Investors • 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: 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 59: Total shareholder return comparison
TOTAL SHAREHOLDER RETURN COMPARISON MONETA delivered a total shareholder return of 60.4% Total shareholder return1 as at 31 March 2026 (%) 90 +65.7% Euro Stoxx Banks2 60 +60.4% MONETA +37.9% Komerční banka 30 0 30/06/2025 30/09/2025 31/03/2025 31/03/2026 30/04/2025 31/05/2025 31/08/2025 31/01/2025 2
Slide 60: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 61: Capital & regulatory requirements
CAPITAL & REGULATORY REQUIREMENTS 2026 capital requirement on a consolidated basis without change and on an individual basis decreased by 30bps against December Capital requirement on a consolidated basis Capital requirement on an individual basis 31/03 31/12 31/03 31/03 31/12 31/03 2025 2025 2026 2
Slide 62: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 63: 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 64: Appendix
Appendix • Events with Investors • 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: Czech deposit market
CZECH DEPOSIT MARKET MONETA deposit growth aligned with strategy amid strong market competition Deposit market (CZK bn) Retail deposits (CZK bn) +5.7%/+3.2% +5.4%/+3.6% 3,695.4 3,732.0 3,769.6 3,834.3 3,904.7 7,344.8 7,383.6 7,366.6 7,604.4 7,213.5 330.2 334.5 328.8 331.2 340.9 1Q 2Q 3Q 4Q Feb 2025
Slide 66: 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) +8.3%/+1.4% 2,309.3 2,357.2 2,415.5 2,470.0 2,501.4 +7.1%/+5.7% 186.6 187.9 189.8 189.5 189.2 4,257.8 4,357.6 4,399.6 4,504.6 4
Slide 67: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 68: Consolidated statement of financial position
FINANCIAL STATEMENTS Consolidated statement of financial position CZK m 31/03/2025 31/12/20251 31/03/2026 YtD % change YoY % Change Cash and cash balances at the central bank 18,019 20,898 11,574 (44.6)% (35.8)% Derivative financial instruments with positive fair values 491 633 675 6.6% 37.5% Invest
Slide 69: Consolidated statement of financial position
FINANCIAL STATEMENTS Consolidated statement of financial position – quarterly development CZK m 31/03/2024 30/06/2024 30/09/2024 31/12/20241 31/03/2025 30/06/2025 30/09/2025 31/12/20251 31/03/2026 Cash and cash balances at the central bank 12,226 9,468 11,816 13,541 18,019 21,476 19,267 20,898 11,57
Slide 70: Consolidated statement of profit or loss and other comprehensive income
FINANCIAL STATEMENTS Consolidated statement of profit or loss and other comprehensive income CZK m 1Q 2025 1Q 2026 % Change Interest and similar income 4,911 5,018 2.2% Interest expense and similar charges (2,574) (2,500) (2.9)% Net interest income 2,337 2,518 7.7% Fee and commission income 959 1,02
Slide 71: Consolidated statement of profit or loss and other comprehensive income
FINANCIAL STATEMENTS Consolidated statement of profit or loss and other comprehensive income - quarterly development CZK m 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Interest and similar income 5,964 5,751 5,345 5,147 4,911 4,955 4,884 4,931 5,018 Interest expense and si
Slide 72: Key performance ratios
FINANCIAL STATEMENTS Key performance ratios Profitability 1Q 2025 FY 2025 1Q 2026 YtD change in pp YoY Change in pp Yield 4.8% 4.9% 4.9% 0.0 0.1 Cost of funds1 2.24% 2.16% 2.11% (0.05) (0.13) Cost of funds on customer deposits (% avg deposits) 2.11% 2.02% 1.99% (0.03) (0.12) NIM (% avg int earning a
Slide 73: Key performance ratios – quarterly development
FINANCIAL STATEMENTS Key performance ratios – quarterly development Profitability 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Yield 4.9% 4.9% 4.9% 4.9% 4.8% 4.8% 4.8% 4.9% 4.9% Cost of Funds1 3.60% 3.29% 2.70% 2.37% 2.24% 2.19% 2.08% 2.12% 2.11% Cost of Funds on Customer
Slide 74: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 75: 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 76: 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 77: 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 78: 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 79: 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 80: Money Bank
MONEY BANK MONETA
MONETA Money Bank, a.s. — Q1 2026 Earnings Presentation on 6ix