Presentation of 1Q 2026, consolidated

Published on 24 April 2026 at 07:00 CET

According to IFRS, Consolidated, Unaudited

MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION

Operating income

3.5bn

+4.8%

Operating expenses

1.5bn

+1.0%

Net profit

1.6bn

+8.0%

(in CZK)

• 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%)
• Operating expenses slightly increased to CZK 1.5 billion (+1.0%), a cost to income ratio

  Total assets

  520bn

  +3.9%

  Loan portfolio2

  297bn

  +6.8%

  Funding base

  474bn

  +3.9%

  improved by 1.7pp to 38.3%1

• Net profit of CZK 1.6 billion (+8.0%) in line with market guidance
• Total balance sheet reached CZK 520 billion (+3.9%), supported by the expansion of both the loan portfolio (+6.8%) and funding base (+3.9%)
  
  

  Note: Percentage change represents year-on-year movement. (1) Yearly regulatory charges fully accrued in 1Q are annualised in the presented cost

  to income ratio figures. The reported cost to income ratio stands at 42.8% for 1Q 2026 and 44.3% for 1Q 2025; (2) Gross performing portfolio. 2

  1Q 2026

  Capital adequacy ratio1

  17.9%

  Excess 2.6pp

  Tier 1 Ratio2

  13.7%

  Excess 1.2pp

  MREL

  ratio

  27.0%

  Excess 4.9pp

  Key highlights

  (in CZK)

• Capital adequacy ratio at 17.9% with an excess of CZK 4.5 billion or 2.6pp above the capital management target1
• Tier 1 ratio at 13.7% with an excess of

  Approved dividend per share

  11.5

  Total CZK 5.9bn

  Return on tangible equity

  21.6%

  +2.1pp

  Liquidity coverage ratio

  415%

  +48pp

  CZK 2.1 billion or 1.2pp above the Tier 1 capital management target2
• The approved dividend at CZK 11.5 per share (CZK 5.9 billion) represents 90% of 2025 net profit; will be distributed on 15 May 2026
• Return on Tangible Equity at 21.6%

  (+2.1pp)

  
  
  

  Note: The percentage and percentage points represent the year-on-year change. MREL ratio is calculated on an individual basis, other ratios are calculated on a consolidated

  basis. (1) Capital management target of 15.25% as at 31 March 2026; (2) Tier 1 management target of 12.5% as at 31 March 2026. 3

  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 Money Bank, a.s. as of 31 December 2025

  • Dividend distribution of CZK 11.5 per share (record date 27 April 2026 and due date 15 May 2026)

  • Amendment to the Remuneration policy of MONETA Money Bank, a.s.

  • 2025 Remuneration Report

The General Meeting was attended by shareholders holding 73.14% of the shares entitled to vote.

4

1. Macroeconomic Environment

2. Operating Platform

3. Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development

1. Capital Management

2. 2026‒2030 Market Guidance

3. Appendix

Branch office: Liberec