Moneta Money Bank As · PSECZ:MONET
Moneta Money Bank As — Investor Presentation (March 2026)
72 slides from Moneta Money Bank As's investor presentation, Mar 4, 2026
Slide 1: Building Retail & Small Business Banking Champion in the Czech Republic
Building Retail & Small Business Banking Champion in the Czech Republic MONETA 10 Years Post IPO: Development 2016–2025 Published on 04 March 2026
Slide 2: MONETA maintains steady A2 rating and stable outlook from Moody's
CREDIT RATING MONETA maintains steady A2 rating and stable outlook from Moody’s for six years Aa3 Aa3 Aa3 Aa3 Aa3 Aa3 A1 A1 A1 A1 A2 A2 A2 A2 A2 A2 A2 Stable Stable Stable Stable Stable Stable Stable outlook outlook outlook outlook outlook outlook outook Baa2 Baa2 Baa2 Stable Stable Positive outlook
Slide 3: 2016–2025 Key achievements
2016–2025 Key achievements Cumulative Cumulative Total (in CZK) net profit1 Dividend2,3 dividend payout3,4 45.5bn 42.3bn 93% • CZK 45.5 billion delivered as cumulative net profit which resulted in average RoTE of 17.5% • 93% of cumulative consolidated net profit distributed to shareholders, which re
Slide 4: 2016–2025 Key achievements
2016–2025 Key achievements Balance Loan Securities (in CZK) sheet book1 portfolio 505bn 292bn 120bn • Average annual balance sheet growth of 4.5% to CZK 505 billion accomplished by expanding customer deposit base by 16% to vs. 149bn as of 31 Dec’16 vs. 111bn as of 31 Dec’16 vs. 14bn as of 31 Dec’16
Slide 5: Content
Content 01 Czech Banking Market 02 Operating Platform 03 Profit or Loss Statement 04 Balance Sheet 05 Risk Management 06 Liquidity and Capital Management 07 Market Guidance 2026–2030 08 Sustainability 09 Appendix Branch office: Vsetín
Slide 6: MONETA outperformed lending market growth in both segments
CZECH LENDING MARKET MONETA outperformed lending market growth in both segments Lending market – gross loans (CZK bn, CAGR) Retail gross loans (CZK bn, CAGR) +13.8%/+7.1% +10.7%/+6.2% 2,470.0 4,504.6 1,330.3 59.3 189.5 2,631.8 31. 12. 2016 31. 12. 2025 4.5% 7.7% Commercial gross loans (CZK bn, CAGR)
Slide 7: MONETA also outperformed deposit market growth
CZECH DEPOSIT MARKET MONETA also outperformed deposit market growth, mainly in retail; overall market share nearly doubled since 2016 Deposit market (CZK bn, CAGR) Retail deposits (CZK bn, CAGR) +18.2%/+7.3% +16.0%/+8.4% 3,834.3 7,366.6 2,039.7 73.3 331.2 31. 12. 2016 31. 12. 2025 3,557.7 3.6% 8.6%
Slide 8: Content
Content 01 Czech Banking Market 02 Operating Platform 03 Profit or Loss Statement 04 Balance Sheet 05 Risk Management 06 Liquidity and Capital Management 07 Market Guidance 2026–2030 08 Sustainability 09 Appendix Branch office: Harfa
Slide 9: MONETA serves 1.6 million clients
ASPIRATIONAL STRATEGY AND STRONG BUSINESS MODEL MONETA serves 1.6 million clients, an annual growth of 4.7% since IPO; brand awareness improved to 50 percent Total clients per segment (in ths, CAGR) Brand awareness (%) 49 49 50 47 47 Retail Small business SME 44 40 41 +4.7% 35 29 1,522 1,600 1,605 1
Slide 10: Operating platform since 2016
Operating platform since 2016 Branch Shared & own Total network ATMs1 clients 122 1,942 1.6m • MONETA significantly optimised its branch network by closing 108 branches, a 47% decrease since 2016 vs. 230 as of 31 Dec’16 vs. 632 as of 31 Dec’16 vs. 1.1m as of 31 Dec’16 • ATM network strengthened thro
Slide 11: Rapid uptake of MONETA's mobile banking
DISTRIBUTION CHANNELS Rapid uptake of MONETA's mobile banking led to a significant increase in digital platform users and number of transactions Digital platform users (millions, CAGR) Internet & mobile banking transactions1 (millions, CAGR) +9.0% +17.0% 1.6 103.5 97.0 Internet 1.5 Internet 15% 1.4
Slide 12: Digital channels essential for distribution and servicing
DISTRIBUTION CHANNELS The digital channels are essential for distribution and servicing capacity, serving as a vital supplement to the branch network Digital platform sales share in 2025 (% of sold units) • Strengthened online origination of deposit Deposit taking Lending Insurance distribution prod
Slide 13: Digital platform visits grew by nearly 25% annually
DISTRIBUTION CHANNELS Digital platform visits grew by nearly 25% annually, while intensity of visits per customer doubled since 2019 Digital platform visits (millions, CAGR) Client digital touchpoints per year (number of visits, CAGR) +24.1% +12.4% 263.0 164.4 250.4 156.5 159.4 4% Internet 5% 143.8
Slide 14: Modernised branch network, supported by a robust contact centre
BRANCH NETWORK Modernised branch network, supported by a robust contact centre Broad and balanced geographic reach1 Solid access to clients in small cities 2025 position: • 122 branches 7% 11% • 90 client satisfaction NPS2 • 1,054 staffs at branches3 20% Population: >100,000 50,000-100,000 10,000-50
Slide 15: MONETA continues to evolve its branch network
BRANCH NETWORK MONETA continues to evolve its branch network to meet the needs of modern customers Praha Harfa Prague Harfa Ústí nad Labem Jihlava Liberec Vsetín Jičín Branch office: Ostrava 15
Slide 16: Content
Content 01 Czech Banking Market 02 Operating Platform 03 Profit or Loss Statement 04 Balance Sheet 05 Risk Management 06 Liquidity and Capital Management 07 Market Guidance 2026–2030 08 Sustainability 09 Appendix Branch office: Brandýs nad Labem
Slide 17: Continually improving RoTE delivered
CONSISTENT PROFITABILITY Continually improving RoTE delivered thanks to higher productivity, diligent risk management and robust operating income capacity Net interest margin (%) Cost of risk1 (bps) Average CoR2 at 0.43%: • retail 0.53%, • commercial 0.30% 5.9% 174 4.3% 3.7% 3.8% Core cost of risk 1
Slide 18: Net profit development
NET PROFIT DEVELOPMENT Operating income growth, stable cost base, and low cost of risk have resulted in a net profit improvement Net profit (CZK m, CAGR) Operating income (CZK m, CAGR) +2.6% 13,924 11,058 10,335 10,162 10,519 12,098 11,168 12,116 12,147 12,911 +5.4% 2016 2017 2018 2019 2020 2021 202
Slide 19: Operating income development
OPERATING INCOME DEVELOPMENT Operating income growth supported through fees and expansion of balance sheet Operating income (CZK m, CAGR) Net interest income (CZK m, CAGR) +1.7% 8,305 7,364 7,409 7,925 8,282 8,609 9,311 8,577 8,919 9,707 +2.6% 13,924 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Slide 20: Development in fee and commission income categories
DEVELOPMENT IN FEE & COMMISSION INCOME CATEGORIES Fee and commission income growth driven by distribution of third-party products, contributing 60% in 2025 Net fee and commission income (CZK m, CAGR) Third party commission income (CZK m, CAGR) +19.2% +6.3% 1,101 1,543 1,962 2,042 3,400 505 618 772 8
Slide 21: Third party products distribution
THIRD PARTY PRODUCTS DISTRIBUTION Since 2016, fee income from the distribution of third-party products has quadrupled Fee income from wealth management products (CZK m, CAGR) Fee income from insurance (CZK m, CAGR) +35.3% 896 +13.7% 739 1,212 1,223 1,146 730 748 799 302 331 641 211 396 503 131 146 3
Slide 22: Operating expenses
OPERATING EXPENSES Cost base inflation managed below 2% annually despite average CPI growth of 4.6%1; cost to income ratio improved to 41.9% Operating expenses (CZK m, CAGR) +1.8% 5,730 5,722 5,839 Regulatory charges 5,526 5,538 5,594 195 +12.1% 151 229 307 216 4,982 4,947 5,019 210 4,852 1,162 Depr
Slide 23: Cost drivers: productivity improvement
COST DRIVERS Productivity improvement realised through branch network reduction and emphasis on process automation Number of branches Number of employees (average FTEs during period) (47.0)% (20.9)% 230 227 3,290 3,183 3,121 3,023 3,009 3,032 202 249 257 2,858 207 253 255 256 179 237 2,548 2,516 2,4
Slide 24: Content
Content 01 Czech Banking Market 02 Operating Platform 03 Profit or Loss Statement 04 Balance Sheet 05 Risk Management 06 Liquidity and Capital Management 07 Market Guidance 2026–2030 08 Sustainability 09 Appendix Branch office: Harfa
Slide 25: Balance sheet profile and development
BALANCE SHEET PROFILE AND DEVELOPMENT Balance sheet more than trebled since 2016, organic growth supported by acquisition in 2020 Assets (CZK bn, CAGR) Liabilities and equity (CZK bn, CAGR) 3.4x 3.4x 504.5 504.5 495.0 495.0 Repo operations 4.2 4.0 and Due to banks Cash and reverse 458.2 458.2 80.1 r
Slide 26: Loan book and deposit base growth
STRONG BUSINESS MODEL Since 2016, the loan book grew 2.6 times, while deposit base expanded 3.8 times; liquidity position significantly strengthened Net loans and receivables to customers (CZK bn, CAGR) Customer deposits (CZK bn,CAGR) +16.0% 440.4 +11.2% 291.2 46% Mortgage 75% Retail +27.0% +18.2% R
Slide 27: Gross performing loan portfolio
GROSS PERFORMING LOAN PORTFOLIO Strategic focus on retail and small business segment materialised in their overall share increase from 50% to 71% Total gross performing loan portfolio per segments (CZK bn, CAGR) Proportion Proportion on total on total loan +11.4% loan portfolio 291.8 portfolio 270.1
Slide 28: Loan portfolio yield evolution
LOAN PORTFOLIO YIELD EVOLUTION Loan yield development aligned with growing share of secured lending; since 2022 yield positively impacted by higher market rates Loan portfolio yield (%) Retail loan portfolio yield (%) 11.4 9.2 7.4 6.3 4.7 4.3 4.4 3.9 3.8 4.1 7.6 6.3 5.5 5.3 2016 2017 2018 2019 2020
Slide 29: New lending volumes
NEW LENDING VOLUMES New lending grew by 6.7%; 2021 volume supported by mortgage market boom; accelerated growth in commercial since 2024 New lending volume (CZK bn, CAGR) New retail lending volume (CZK bn, CAGR) +6.5% 66.1 +6.7% 86.2 43.4 44.7 38.0 40.3 37.0 35.4 34.6 76.2 25.4 23.2 60.9 61.7 62.5 2
Slide 30: Retail gross performing loan portfolio
RETAIL GROSS PERFORMING LOAN PORTFOLIO Retail loan book annual growth of 15% was mainly supported by the mortgage franchise expansion and the acquisition in 2020 Retail loan portfolio (CZK bn, CAGR) +14.9% 186.6 183.1 187.5 174.8 179.5 2.8 Auto loans 2.6 2.7 2.4 2.5 +2.9% 151.1 37.5 38.1 40.6 Consum
Slide 31: Commercial gross performing loan portfolio
COMMERCIAL GROSS PERFORMING LOAN PORTFOLIO Commercial segment expanded mainly in high margin small business segment and well secured SME lending Commercial loan portfolio1 (CZK bn, CAGR) +7.0% 104.3 10.4 Auto loans 92.8 (4.3)% 83.4 84.4 9.8 80.9 20.5 Small business loans 75.5 10.6 9.9 +31.8% 11.0 16
Slide 32: Funding base
FUNDING BASE MONETA increased customer deposits almost four times thanks to successful deposit gathering in 2022-2024 and acquisition in 2020 Customer deposits and wholesale funding1 (CZK bn, CAGR) +16.3% Proportion 463.7 Proportion on total 452.4 on total customer 415.5 customer deposits deposits 3
Slide 33: Cost of funds
COST OF FUNDS Cost of funds low and stable until 2021; increase in 2022 and 2023 due to repricing to market rates, gradual normalisation since 2024 Retail (%) Customer deposits (%) 3.47 3.15 2.21 3.30 1.71 2.93 0.21 0.20 0.21 0.35 0.55 0.37 1.62 2.02 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Slide 34: Retail deposit portfolio development
RETAIL DEPOSIT PORTFOLIO DEVELOPMENT Retail deposits growth supported by competitive pricing, mainly on savings accounts and term deposits and the acquisition in 2020 Retail customer deposits (CZK bn, CAGR) +18.2% 324.0 331.2 313.2 Current account 54.8 55.3 deposits 52.6 +4.5% 256.3 217.2 57.8 192.1
Slide 35: Commercial deposits portfolio development
COMMERCIAL DEPOSITS PORTFOLIO DEVELOPMENT The commercial segment followed the same trend as the retail with higher interest rates on savings and term deposits Commercial customer deposits (CZK bn, CAGR) +10.9% 109.2 105.8 86.1 Current account 77.5 54.0 deposits 53.0 67.7 +6.6% 65.0 58.5 41.6 54.7 48
Slide 36: Content
Content 01 Czech Banking Market 02 Operating Platform 03 Profit or Loss Statement 04 Balance Sheet 05 Risk Management 06 Liquidity and Capital Management 07 Market Guidance 2026–2030 08 Sustainability 09 Appendix Branch office: Chomutov
Slide 37: Cost of risk
COST OF RISK Low cost of risk: Average CoR at a level of 0.43%, significant anticipatory provisioning in 2020 driven by COVID-19 Cost of risk (CZK m, release in brackets, creation without Cost of risk1 (%, release in brackets, creation without brackets) brackets) (8.9)% 1.74 3,562 Cost of risk Core
Slide 38: High portfolio quality
COST OF RISK High portfolio quality: Gross loans more than doubled while NPLs declined, resulting in a reduction of the loan provision coverage Gross loans (CZK bn, CAGR) Loan loss provision (CZK bn, CAGR) +10.7% 294.8 (5.7)% 273.9 267.7 279.4 261.3 6.2 232.0 6.0 5.7 5.1 4.7 159.5 4.1 4.1 4.1 144.2
Slide 39: Past due exposures development
PAST DUE EXPOSURES DEVELOPMENT Delinquency rates stable and low since 2021; supported by consistently prudent underwriting criteria and increased share of secured loans Share of past due exposures on total gross portfolio balance (%) 3.0 30+ 60+ 90+ 2.6 2.4 2.3 1.4 1.4 1.2 1.3 1.3 1.2 1.2 1.1 1.1 0.
Slide 40: Content
Content 01 Czech Banking Market 02 Operating Platform 03 Profit or Loss Statement 04 Balance Sheet 05 Risk Management 06 Liquidity and Capital Management 07 Market Guidance 2026–2030 08 Sustainability 09 Appendix Branch office: Praha Anděl
Slide 41: Strong liquidity position
STRONG LIQUIDITY POSITION Significantly strengthened liquidity position; loan to deposit ratio decreased to 66%, LCR well above 100% requirement Loan to deposit ratio High quality liquid assets (CZK bn, CAGR) (27.8)pp +28.3% 186.7 93.9% 89.7% 174.2 87.9% 89.7% 159.8 80.5% 65.9% 64.1% 66.1% 85.9 59.9
Slide 42: Capital position on a consolidated basis
CAPITAL POSITION ON A CONSOLIDATED BASIS Capital position strengthened through diligent capital management and issued capital instruments, despite dividend distribution of 93% Consolidated regulatory capital (CZK bn, CAGR) Consolidated risk weighted assets (CZK bn, CAGR) +3.6% +4.7% 33.6 173.5 30.9
Slide 43: Capital position on a standalone basis
CAPITAL POSITION ON A STANDALONE BASIS Strong capital position is maintained also on a standalone basis; MREL ratio significantly above target Regulatory capital and MREL instruments (CZK bn, CAGR) Standalone risk weighted assets (CZK bn, CAGR) +8.9% 45.4 44.4 Total +4.0% 38.4 168.1 35.3 12.5 12.1 M
Slide 44: 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 45: Content
Content 01 Czech Banking Market 02 Operating Platform 03 Profit or Loss Statement 04 Balance Sheet 05 Risk Management 06 Liquidity and Capital Management 07 Market Guidance 2026–2030 08 Sustainability 09 Appendix Branch office: Chrudim
Slide 46: 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 published on
Slide 47: 2026–2030 medium-term guidance
2026 – 2030 MEDIUM-TERM GUIDANCE Over next five years, MONETA aims 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
Slide 48: 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 49: 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 50: Medium term guidance and results
MEDIUM TERM GUIDANCE AND RESULTS MONETA consistently outperformed market guidance, exceeding targets by an average of 17.5% in the last 9 years Performance against guidance NET PROFIT (CZK bn) 2017 2018 2019 20201 2021 2022 2023 2024 2025 GUIDANCE ≥3.4 ≥3.4 ≥3.7 ≥2.4 ≥2.8 ≥4.4 ≥4.3 ≥5.2 ≥6.0 RESULT
Slide 51: Content
Content 01 Czech Banking Market 02 Operating Platform 03 Profit or Loss Statement 04 Balance Sheet 05 Risk Management 06 Liquidity and Capital Management 07 Market Guidance 2026–2030 08 Sustainability 09 Appendix Branch office: Vrchlabí
Slide 52: ESG history
ESG – HISTORY The past five years have been full of achievements in ESG However, MONETA’s journey to sustainability started already in 2016 • MONETA signed • UN Global Compact’s • Gender Pay-Gap for 2023 • For the first time, • MONETA joined Sustainable Finance Women’s Empowerment at 0.88 percent MO
Slide 53: KPIs track MONETA's progress in ESG areas
ESG – MONETA‘S STRATEGY KPIs track MONETA’s progress in ESG areas KPI Base Year 2021 2024 2025 Target 2026 Target 2030 Index MSCI ESG AA AA AA - AA Sustainalytics ESG rating 17.81 17.5 17.5 - <20 CDP rating C B B - B Reduction of Scope 1 and 2 emissions1 (70%) (88.8%) (90.7%) (90%) (95%) Proportion
Slide 54: MONETA continues to receive good ESG ratings
ESG - MONETA‘S STRATEGY MONETA continues to receive good ESG ratings Agencies Current rating WORST Score BEST Target AA CCC B BB BBB A AA AAA (August 2025) AA (2030) Severe High Medium Low Negligible 17.5 <20 Low risk Low Risk (2030) (December 2024) D- D C- C B- B A- A B B (February 2025) (2030) 3.5
Slide 55: Content
Content 01 Czech Banking Market 02 Operating Platform 03 Profit or Loss Statement 04 Balance Sheet 05 Risk Management 06 Liquidity and Capital Management 07 Market Guidance 2026–2030 08 Sustainability 09 Appendix Branch office: Trutnov Branch office: Vrchlabí
Slide 56: Appendix
Appendix • General Meeting Participation • Financial Statements and KPIs • Glossary • Disclaimer and Other Information
Slide 57: General meetings participation
GENERAL MEETINGS MONETA enjoys consistently high shareholder participation at its general meetings General meetings participation (%) 76.48 76.15 74.80 73.21 74.59 70.95 72.69 65.74 61.61 63.31 60.70 60.17 60.41 57.12 58.65 50.32 Apr-17 Oct-17 Apr-18 Dec-18 Apr-19 Nov-19 Sep-20 Apr-21 Jun-21 Dec-21
Slide 58: Appendix
Appendix • General Meeting Participation • Financial Statements and KPIs • Glossary • Disclaimer and Other Information
Slide 59: Consolidated statement of financial position 1/2
FINANCIAL STATEMENTS Consolidated statement of financial position 1/2 CZK m 31/12/2016 31/12/2017 31/12/2018 31/12/2019 31/12/2020 31/12/2021 31/12/2022 31/12/2023 31/12/2024 31/12/2025 Cash and cash balances at the central bank 20,235 7,127 8,139 6,697 7,782 11,204 12,467 10,871 13,541 20,898 Deriv
Slide 60: Consolidated statement of financial position 2/2
FINANCIAL STATEMENTS Consolidated statement of financial position 2/2 CZK m 31/12/2016 31/12/2017 31/12/2018 31/12/2019 31/12/2020 31/12/2021 31/12/2022 31/12/2023 31/12/2024 31/12/2025 Derivative financial instruments with negative - - 44 40 134 524 747 523 532 477 fair values Due to banks 2,657 29
Slide 61: Consolidated statement of profit or loss
FINANCIAL STATEMENTS Consolidated statement of profit or loss and other comprehensive income CZK m FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025 Interest and similar income 8,494 7,582 7,820 8,933 9,712 9,649 15,591 22,046 22,207 19,681 Interest expense and similar
Slide 62: Key performance ratios
FINANCIAL STATEMENTS Key performance ratios Profitability FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025 Yield (% Avg Net Customer Loans) 7.6% 6.3% 5.5% 5.3% 4.5% 3.8% 4.2% 4.7% 4.9% 4.9% Cost of funds (% Avg Deposits and Received Loans)1 0.17% 0.15% 0.23% 0.54% 0.60
Slide 63: Appendix
Appendix • General Meeting Participation • Financial Statements and KPIs • Glossary • Disclaimer and Other Information
Slide 64: Glossary 1/4
GLOSSARY 1/4 Means MONETA Stavební Spořitelna, a.s. (formerly Wüstenrot – stavební Cost of Funds on Core Acquired entities Customer Deposits (% Avg Interest expense and similar charges on customer deposits for the period spořitelna, a.s.) and Wüstenrot hypoteční banka, a.s. Deposits) / Core Cost of
Slide 65: Glossary 2/4
GLOSSARY 2/4 Financial assets measured at Fair Value Through Other Comprehensive Consumer loans = Non-purposed and purposed consumer loans, debt FVTOCI Income consolidations, additional loan and American mortgages Market share – consumer Source: the CNB ARAD, MMB in IFRS unconsolidated according to
Slide 66: Glossary 3/4
GLOSSARY 3/4 Retail unsecured instalment loans/ Consumer Non-purpose, unsecured and revolving loans to retail clients; including OPEX / Cost Base Total operating expenses loans/Unsecured consumer building savings and bridging loans loans Return on average assets or Return on average assets calculate
Slide 67: Glossary 4/4
GLOSSARY 4/4 The aggregate of Common equity Tier 1 (CET1 Capital) and Additional Tier 1 which mainly consists of capital instruments and other items Tier 1 Capital (including certain unsecured subordinated debt instruments without a maturity date) provided in Art. 51 of CRR Tier 1 Capital Ratio Tier
Slide 68: Appendix
Appendix • General Meeting Participation • Financial Statements and KPIs • Glossary • Disclaimer and Other Information
Slide 69: Alternative performance measures
ALTERNATIVE PERFORMANCE MEASURES • In this presentation, certain financial data and measures are presented which are not calculated pursuant to any accounting standard and which are therefore non-IFRS measures and alternative performance measures as defined in the European Securities and Markets Aut
Slide 70: Disclaimer and other information
DISCLAIMER AND OTHER INFORMATION • THIS PRESENTATION IS NOT AN OFFER TO SELL OR A SOLICITATION OF OFFERS TO 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 dis
Slide 71: Disclaimer and other information: forward-looking statements
DISCLAIMER AND OTHER INFORMATION Forward-looking statements • This presentation and subsequent discussion may contain projections, estimates, forecasts, targets, opinions, prospects, results, returns and forward- looking statements with respect to the management‘s medium-term guidance, profitability
Slide 72: MONETA Money Bank
MONEY BANK MONETA
MONETA Money Bank — Investor Presentation (March 2026) on 6ix