Moneta Money Bank AsPSECZ: MONET

Presentation of 3Q 2025, consolidated

Oct 23, 2025 at 5:03 AM UTC · Issued by Moneta Money Bank AS

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

10.3bn

+9.1%

Operating expenses

4.2bn

stable

Net profit

4.9bn

+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
499bn
+2.3%
Loan portfolio1
288bn
+6.3%
Funding base
458bn
+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 Ratio1,2
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 target1,2
Interim dividend per share3
4.0
Total 2.0bn
Tier 1 excess1,2
4.5bn
Excess 2.7pp
Tier 2 bond issuance (EUR)
100m
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
1. Macroeconomic Environment
2. Operating Platform
3. 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 evolution1 (CZK bn)

2024: 1.2%

2025F: 2.6%

Government debt in % of GDP at current prices2

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 Office3 State budget deficit of the Czech Republic4 (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.