REGULATORY ANNOUNCEMENT: Presentation of 1Q 2025 financial results

About this update from 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% ) 278 bn 456 bn 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 billion 1 • Return on Tangible Equity at 19.5% ( +2.4pp ) 164 bn 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 4 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/eurostat as 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 index 1 (year-over-year % change) 2W repo rate (average over period) End of period change 2 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 item 1 Market yield curve 3 Food and beverages Clothing and footwear Housing, energy Health Transport, telecommunication Recreation, culture, education Restaurants 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% 31/03/2025 31/12/2024 31/03/2024 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 09 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 713 ths 18.7 m • 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. 10

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