Moneta Money Bank : Semi-annual presentation for 1H 2025, consolidated

About this update from Moneta Money Bank As

1H 2025 Results Published on 24 July 2025 at 07:00 CET According to IFRS, Consolidated, Unaudited MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION Operating income 6.8 bn +9.1% Operating expenses 2.9 bn stable Net profit 3.1 bn +14.4% Key highlights (in CZK) Operating income of CZK 6.8 billion ( +9.1% ) driven by growth in both net interest income ( +13.7% ) and net fee and commission income (+ 11.7% ) Operating expenses kept stable at Funding base 462 bn +4.2% CZK 2.9 billion ( +1.2% ) resulting in adjusted Total assets 503 bn +4.0% Loan portfolio 2 284 bn +4.4% cost to income ratio 40.9% 1 Net profit of CZK 3.1 billion ( +14.4% ) on track to deliver and potentially outperform market guidance by CZK 300-400 million Total balance sheet reached CZK 503 billion ( +4.0% ), supported by expansion of funding base ( +4.2% ) and loan portfolio growth ( +4.4% ) Note: Percentage change represents movement compared to 1H 2024. (1) Reported cost to income ratio at 42.3%; (2) Gross performing portfolio. Capital adequacy ratio 18.5 % Excess 3.3pp RWA density 33.3 % (2.1)pp MREL ratio 27.8 % Excess 5.5pp Key highlights (in CZK) Capital adequacy ratio at 18.5%, excess of CZK 5.5 billion or 3.3pp above the capital management target 1 MREL ratio at 27.8%, comfortably above the management target of 22.4% Excess capital 1 5.5 bn CZK 10.8 per share Return on Tangible Equity 23.4 % +3.4pp Liquidity coverage ratio 339 % stable Return on Tangible Equity at 23.4% ( +3.4pp ) well above the minimum guidance of 20% Liquidity position maintained strong with LCR at 339% ( 0.5pp ), supported by continued deposit growth Note: The percentage and percentage points represent the year-on-year change. (1) Capital management target of 15.25% as at 30 June 2025. Lending growth Aiming at overall lending growth of 5.5−6.0% , more than double the GDP growth of the Czech Republic. Focusing on lending to small business and SME to maximise margins and minimise capital deployment, as reflected in a commercial book growth of 8.7% YoY in June. The retail segment grew by 2.3% YoY. Deposit growth Seeking to deliver customer deposit base growth of 2.0−2.5% , while further decreasing cost of funding. In June 2025, the average CoF on customer deposits stood at 1.96% and we target a reduction to 1.70-1.75% by December 2025, assuming an additional rate cut of 25bps in 2H 2025. Net interest margin Seeking to deliver net interest margin improvement to 2.05−2.15% at year-end through the reduction of cost of funds and the utilisation of free liquidity for loan portfolio growth and mortgage book repricing. NIM improvement supported by a focus on high-margin lending, namely to the small business segment. Aspiring to achieve year-end target of CZK 75 billion in distributed asset management products, representing a growth of 25−30% . Additionally, taking steps to improve the distribution of life insurance and pension funds through changes in incentive schemes. 3rd party product distribution Cost management Maintaining tight cost control, targeting C/I ratio between 41−42% , mainly through productivity improvements, reduction of cash services, deployment of AI in contact centre, closure of the least productive branches and ATMs and reduction of remote work options. Potential upside of CZK 75−125 million against the guidance. Risk management Focus on delivering cost of risk charge below the mid-point of the guidance ( 17.5-22.5bps ). Aiming to maintain balance sheet health with NPL ratio in the range of 1.2−1.4% . Additionally, aspiring to dispose of CZK 300−600 million in NPL assets in 2H 2025, subject to market conditions. Net profit performance Seeking to deliver a net profit in the range of CZK 6.3−6.4 billion , potentially exceeding the guidance by CZK 300−400 million , delivering earnings growth of 8−10% compared to the 2024 result. If the upside materialises, earnings per share would constitute CZK 12.3−12.5 against the guidance of CZK 11.7 . Current earnings are accrued at a 90% level into the dividend account, which represents a dividend of CZK 10.6 per share if a minimum net profit of CZK 6.0 billion is delivered. If the guidance upside of CZK 300−400 million materialises, the dividend would amount to CZK 11.1 - 11.3 per share. Distributions to shareholders

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