Moneta Money Bank : Presentation of 1Q 2026, consolidated

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1Q 2026 Results Published on 24 April 2026 at 07:00 CET According to IFRS, Consolidated, Unaudited MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION 1Q 2026 Operating income 3.5 bn +4.8% Operating expenses 1.5 bn +1.0% Net profit 1.6 bn +8.0% Key highlights (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 520 bn +3.9% Loan portfolio 2 297 bn +6.8% Funding base 474 bn +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 ratio 1 17.9 % Excess 2.6pp Tier 1 Ratio 2 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 target 1 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 target 2 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 Content Macroeconomic Environment Operating Platform Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development Capital Management 2026‒2030 Market Guidance Appendix Branch office: Liberec

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