Moneta Money Bank : Presentation of FY 2025, consolidated

About this update from Moneta Money Bank As

FY 2025 Results Published on 3 February 2026 at 07:00 CET According to IFRS, Consolidated, Unaudited MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION FY 2025 Operating income 13.9 bn +7.8% Operating expenses 5.8 bn +2.0% Net profit 6.5 bn +11.9% Key highlights (in CZK) Operating income of CZK 13.9 billion ( +7.8% ) driven by growth in both net interest income ( +8.8% ) and net fee and commission income (+ 11.1% ) Operating expenses slightly increased to CZK 5.8 billion ( +2.0% ), a cost to income ratio Total assets 505 bn +1.9% Loan portfolio 1 292 bn +5.8% Funding base 464 bn +2.5% improved by 2.4pp to 41.9% Net profit of CZK 6.5 billion (+ 11.9% ) exceeds the full-year minimum guidance (published in January 2025) of CZK 6.0 billion by CZK 0.5 billion ( +8.4% ) Total balance sheet reached CZK 505 billion ( +1.9% ), supported by the expansion of both the loan portfolio ( +5.8% ) and funding base ( +2.5% ) Note: Percentage change represents year-on-year movement. (1) Gross performing portfolio. 2 FY 2025 Capital adequacy ratio 1 18.7 % Excess 3.4pp Tier 1 Ratio 2 14.1 % Excess 1.6pp 3 MREL ratio 27.5 % Excess 5.2pp Key highlights (in CZK) Capital adequacy ratio at 18.7% with an excess of CZK 5.7 billion or 3.4pp above the capital management target 1 Proposed dividend per share 3 11.5 Total CZK 5.9bn 2025 Total shareholder return 4 71.2 % vs. 48% in 2024 Return on tangible equity 23.4 % +3.0pp Tier 1 ratio at 14.1% with an excess of CZK 2.7 billion or 1.6pp above the capital management target 2 The dividend proposal of CZK 11.5 per share ( CZK 5.9 billion ) 3 represents 90% of net profit; subject to approval at the General Meeting on 21 April 2026 Total shareholder return was 71.2% , consisting of 56.2 % from share price appreciation and 15% from dividend proceeds 4 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 December 2025; (2) Tier 1 management target of 12.5% as at 31 December 2025; (3) Subject to corporate, regulatory and regulator´s limitations and shareholders' approval at the General Meeting to be held on 21 April 2026; (4) Total shareholder return calculation assumes full reinvestment of dividend 3 into MONETA shares. 2025 MARKET GUIDANCE AND RESULTS MONETA accomplished a minimum target and overperformed it by CZK 0.5 billion Metrics 2025 guidance 1 2025 results Variance guidance vs. results Total operating income (CZK bn) 13.6 13.9 +2.4% +0.3 Total operating expenses (CZK bn) (5.9) (5.8) (1.0)% +0.1 Operating profit (CZK bn) 7.7 8.1 +5.0% +0.4 Cost of risk 2 (bps, CZK bn) (15-35) (16) +9 +0.3 NET PROFIT (CZK bn) 6.0 6.5 +8.4% +0.5 Earnings per share (CZK) 11.7 12.7 +8.4% +1.0 Return on Tangible Equity 20% 23% +15.0% 3pp Note: (1) Market guidance as published on 31 January 2025; (2) Cost of risk variance calculated against the midpoint of the guided range in bps and billions of CZK. 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

View stock analysis, news, and events for Moneta Money Bank As