Moneta Money Bank AsPSECZ: MONET

REGULATORY ANNOUNCEMENT: Presentation of 1Q 2025 financial results

· Issued by Moneta Money Bank AS

1Q 2025 Results

Published on 25 April 2025 at 07:00 CET

According to IFRS, Consolidated, Unaudited

MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION

Key highlights

(in CZK)

  • • Operating income of CZK 3.4 billion (+8.4%)

  • • Operating expenses kept stable at

    CZK 1.5 billion despite persisting inflationary pressure in the labour market

  • • Net profit of CZK 1.5 billion (+14.0%) in line with market guidance

  • • Loan portfolio growth at CZK 278 billion (+4.0%) in line with expectations

  • • Total assets reached CZK 501 billion (+7.0%), supported by continued expansion of the funding base (+7.8%)

278bn 456bn

Note: Percentage change represents movement compared to 1Q 2024. (1) Gross performing portfolio.

Key highlights

(in CZK)

  • • Risk weighted assets decreased by CZK 10 billion due to the implementation of capital requirements regulation (CRR 3)

  • • Capital adequacy ratio at 19.1%, which is 3.9% above the management target and corresponds to excess capital of

    CZK 6.4 billion1

  • • Return on Tangible Equity at 19.5% (+2.4pp)

164bn 19.1%

28.7% 19.5%

Note: The percentage and percentage points represent the year-on-year change. (1) Excess capital above the capital management target of 15.25% as at 31 March 2025 and after an approved dividend of CZK 5.1 billion.

ANNUAL GENERAL MEETING SUMMARY

Shareholders approved all proposals at the Annual General Meeting held on 24 April 2025

  • 01 Approval of Mr. Miroslav Singer as a member of the Supervisory Board

  • 02 Annual Consolidated Financial Statements of MONETA Money Bank, a.s. as of 31 December 2024

  • 03 Annual Separate Financial Statements of MONETA Money Bank, a.s. as of 31 December 2024

  • 04 Dividend distribution of CZK 10 per share (record date 30 April 2025 and due date 21 May 2025)

  • 05 Appointment of Deloitte Audit s.r.o as the external auditor for 2025, 2026 and 2027

  • 06 2024 Remuneration Report

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Content

  • 01 Macroeconomic Environment

  • 02 Operating Platform

  • 03 Profit and Loss Development

  • 04 Balance Sheet Development

  • 05 Risk Metrics & Asset Quality

  • 06 Liquidity Development

  • 07 Capital Management

  • 08 2025 - 2029 Market Guidance

  • 09 Appendix

Branch office: Vsetín

Czech economy grew by 1.8%; unemployment remains low and stable; state budget deficit forecasted at CZK 241 billion

Note: (1) Source: GDP at constant prices of 2020 based on the Czech Statistical Office (CZSO); GDP at current prices - 4Q 2023: CZK 1,927bn, 1Q 2024: CZK 1,963bn, 2Q 2024: CZK 1,994bn, 3Q 2024: CZK 2,016bn, 4Q 2024: CZK 2,035bn; GDP Y/Y % change: 4Q 2023-4Q 2024 actuals based on the CZSO seasonally adjusted,

FY 2024 based on the CZSO and 2025 based on the CNB forecast; (2) Euro area data:www.ec.europa.eu/eurostatas at 22 January 2025; (3) ILO methodology, 2025F based on the CNB forecast issued in winter 2025; (4) Source:www.mfcr.cz.

Inflation on a descending trajectory towards the CNB inflation target of 2%; the key rate decreased to 3.75%

Inflation and consumer price index1 (year-over-year % change)

2W repo rate (average over period)

End of period change2

2.3%

6.6%

15.8% 15.1%

6.9%

3.0% 2.7%

15.0 10.0

5.0 0.0

2020

2021

2022

2023

2024

03/2025

2020

2021

2022

2023

2024

1Q 2025

Contribution to inflation by item1

Market yield curve3

Food and beverages Clothing and footwear Housing, energy Health

Transport, telecommunicationRecreation, culture, educationRestaurants and hotels

Other

Total

Dec'2024 % contribution Mar'2025 % contribution

Mar'2025 Y/Y price change %

0.7

1.6

5.8

0.0

(0.1)

(2.2)

1.1

0.5

1.5

0.1

0.1

3.5

0.1

(0.2)

(1.4)

0.4

0.3

3.7

0.4

0.3

5.1

0.2

0.2

3.2

3.0

2.7

2.7

'2025 Y/Y price 6.0% 5.0% 4.0% 3.0%

31/03/202531/12/202431/03/2024

1D

1W

2W

1M

2M

3M

6M

9M

12M

2Y

3Y

4Y

5Y

6Y

7Y

8Y

9Y

10Y

12Y

15Y

20Y

30Y

Source: CZSO, Bloomberg. Note: (1) Inflation rate as an increase in the average annual Consumer price index; (2) Consumer price index calculated as an increase in the CPI compared with the corresponding month of the preceding year; (3) Composed of short-term PRIBOR and swap market indication from 1 year and longer maturity.

Content

  • 01 Macroeconomic Environment

  • 02 Operating Platform

  • 03 Profit and Loss Development

  • 04 Balance Sheet Development

  • 05 Risk Metrics & Asset Quality

  • 06 Liquidity Development

  • 07 Capital Management

  • 08 2025 - 2029 Market Guidance

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Appendix

Overall business platform

consists of three service and sales distribution pillars:

  • • Digital platform

  • • Branch network

  • • Contact centre

supported by own and shared ATM network, enabling deposits, withdrawals and service operations

2,453 1,323 1,130

Note: Numbers as at 31 March 2025. The percentage represents the year-on-year change. (1) Out of which 778 ATMs have a deposit function (40%); (2) Average FTEs in 1Q 2025; (3) Includes control and enabling functions.

Digital

is a critical distribution and service channel consisting of four key pillars:

  • • Web:www.moneta.cz

  • • Web:www.hypoteka.cz

  • • Mobile: Smart Banka

    713ths 18.7m

  • • Internet: Internet Banka

Mobile application - Smart Banka is the key component, enabling access to 52 products and more than 220 service functions

Note: Payment transactions, servicing transactions and sales transactions during 1Q 2025. All numbers in units. The percentage represents the year-on-year change. (1) Combination of Smart Banka and Internet Banka.

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