Moneta Money Bank AsPSECZ: MONET

Presentation of FY 2025, consolidated

· Issued by 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

13.9bn

+7.8%

Operating expenses

5.8bn

+2.0%

Net profit

6.5bn

+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

    505bn

    +1.9%

    Loan portfolio1

    292bn

    +5.8%

    Funding base

    464bn

    +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 ratio1

    18.7%

    Excess 3.4pp

    Tier 1 Ratio2

    14.1%

    Excess 1.6pp3

    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 target1

    Proposed dividend per share3

    11.5

    Total CZK 5.9bn

    2025 Total shareholder return4

    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 target2

  • 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 proceeds4


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

guidance1

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 risk2 (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
  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



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