Moneta Money Bank : Presentation of 3Q 2025, consolidated

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3Q 2025 Results Published on 23 October 2025 at 07:00 CET According to IFRS, Consolidated, Unaudited MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION 1-3Q 2025 Operating income 10.3 bn +9.1% Operating expenses 4.2 bn stable Net profit 4.9 bn +15.7% Key highlights (in CZK) Operating income of CZK 10.3 billion ( +9.1% ) driven by growth in both net interest income ( +11.6% ) and net fee and commission income (+ 12.4% ) Operating expenses kept stable at Total assets 499 bn +2.3% Loan portfolio 1 288 bn +6.3% Funding base 458 bn +3.1% CZK 4.2 billion ( +0.9% ), resulting in a cost to income ratio of 40.7% Net profit of CZK 4.9 billion ( +15.7% ) on track to meet and potentially outperform market guidance by CZK 300-400 million Total balance sheet reached CZK 499 billion ( +2.3% ), supported by the expansion of the funding base ( +3.1% ) and loan portfolio growth ( +6.3% ) Note: Percentage change represents movement compared to 1-3Q 2024. (1) Gross performing portfolio. 2 1-3Q 2025 Capital adequacy ratio 20.0 % Excess 4.7pp Tier 1 Ratio 1,2 15.2 % Excess 2.7pp MREL ratio 29.3 % Excess 6.9pp Key highlights (in CZK) Capital adequacy ratio at 20.0% , well above the management target of 15.25% Tier 1 ratio at 15.2% with an excess of CZK 4.5 billion or 2.7pp above the capital management target 1,2 Interim dividend per share 3 4.0 Total 2.0bn Tier 1 excess 1,2 4.5 bn Excess 2.7pp Tier 2 bond issuance (EUR) 100 m Issuance 9 September The interim dividend proposal of CZK 4.0 per share ( CZK 2.0 billion ) 3 to be voted on by shareholders on 14 November 2025 Capital structure optimised by issuance of a Tier 2 instrument in the amount of EUR 100 million Note: The percentage and percentage points represent the year-on-year change. MREL ratio calculated on an individual basis, other ratios calculated on a consolidated basis. (1) Before dividend payment in the amount of CZK 2 billion; (2) Capital management target of 12.5% as at 30 September 2025; (3) Subject to corporate, regulatory and regulator´s limitations and shareholders' approval at the General Meeting to be held on 14 November 2025. 3 Content Macroeconomic Environment Operating Platform Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development Capital Management 2025 - 2029 Market Guidance Shareholder Meeting 10 Appendix Branch office: Praha - Anděl MACROECONOMIC ENVIRONMENT Czech economy grew by 2.6%; unemployment remains low and stable; the state budget deficit forecasted at CZK 241 billion GDP evolution 1 (CZK bn) 2024: 1.2% 2025F: 2.6% Government debt in % of GDP at current prices 2 GDP at constant prices GDP Y/Y % change EURO area - 20 countries Czech Republic 1,594 0.5% 1,612 1.5% 1,634 1.9% 1,511 2.4% 1,631 2.6% 96.5 36.9 93.9 40.7 89.5 42.5 87.3 42.5 87.4 43.6 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 2020 2021 2022 2023 2024 Unemployment rate: ECB, Czech Statistical Office 3 State budget deficit of the Czech Republic 4 (CZK bn) EURO area - 20 countries Czech Republic 6.4 6.3 6.2 6.4 6.4 State budget deficit 419.7 360.4 Share on GDP at current prices CZK (153.9)bn as at Sep'2025 2.5 2.6 2.5 2.6 2.7 6.7% 288.5 271.4 241.0 5.1% 3.8% 3.4% 2.9% 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 2021 2022 2023 2024 2025F Note: (1) Source: GDP at constant prices of 2020 based on the Czech Statistical Office (CZSO); GDP at current prices - 2Q 2024: CZK 2,001bn, 3Q 2024: CZK 2,027bn, 4Q 2024: CZK 2,051bn, 1Q 2025: CZK 2,084bn, 2Q 2025: CZK 2,122bn; GDP Y/Y % change: 2Q 2024-2Q 2025 actuals based on the CZSO seasonally adjusted, FY 2024 based on the CZSO and 2025 based on the CNB forecast; (2) Euro area data: https://www.ec.europa.eu/eurostat as at 22 April 2025; (3) ILO methodology; (4) Source: 5 https://www.mfcr.cz .

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