REGULATORY ANNOUNCEMENT: Presentation of FY 2024 financial results

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FY 2024 Results Published on 31 January 2025 at 07:00 CET According to IFRS, Consolidated, Unaudited MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION FY 2024 YTD KEY HIGHLIGHTS (in CZK) Operating income of CZK 12.9 billion ( +6.3% ) supported by growth in net interest income ( +4.0% ) and net fee and commission income ( +16.6% ) Operating expenses maintained stable at CZK 5.7 billion despite persisting inflationary pressure in the labour market Net profit of CZK 5.8 billion ( +11.7% ) exceeds a full-year minimum profitability target of CZK 5.2 billion by CZK 0.6 billion Total assets reached CZK 495 billion ( +8.0% ) , driven by the expansion of client deposits ( +7.7% ) and the successful issuance of MREL eligible bonds Operating Operating income expenses 12.9 bn 5.7 bn +6.3% stable Total Net loan assets portfolio 495 bn 275 bn +8.0% +4.7% Net profit 5.8 bn +11.7% Funding base 452 bn +8.9% Note: Percentage change represents movement compared to FY 2023 or 2023 year-end. 2 FY 2024 YTD KEY HIGHLIGHTS (in CZK) Capital adequacy ratio at 18.2% , which is 3.2% above management target and corresponding to excess capital of CZK 5.5 billion 1 MREL ratio of 27.0% reinforced by EUR 300 million senior preferred bond issuance in September ' 24 Return on Tangible Equity at 20.4% ( +2.4pp ) exceeds a full-year minimum target of 17% by 3.4pp Dividend proposal of CZK 10 per share ( CZK 5.1 billion ) 2 to be decided by shareholders on 24 April 2025 Capital Excess MREL adequacy ratio capital 1 ratio 18.2 % 5.5 bn 27.0 % Excess 3.2% CZK 10.8 per share Excess 5.0% Return on Proposed 2024 Total Tangible Equity dividend 2 shareholder return 20.4 % 5.1 bn 48.0 % +2.4pp CZK 10 per share vs 35.7% in 2023 Note: (1) Excess capital above the capital management target of 15.05% as at 31 December 2024 and after proposed dividend of CZK 5.1 billion; 3 (2) Subject to corporate, regulatory and regulator´s limitations and shareholders' approval at the General Meeting to be held on 24 April 2025. 2024 MARKET GUIDANCE AND RESULTS MONETA outperformed its guidance across, on net profit by CZK 0.6 billion or 11.7% and operating income by CZK 0.5 billion or 4.1% 2024 market guidance versus final results Metrics 2024 2024 Variance guidance guidance 1 results vs results Total operating income (CZK bn) 12.4 12.9 4.1% +0.5 Total operating expenses (CZK bn) (5.8) (5.7) (1.3)% +0.1 Operating profit (CZK bn) 6.6 7.2 8.9% +0.6 Cost of risk (bps) (10-30) (14) - - NET PROFIT (CZK bn) 5.2 5.8 11.7% +0.6 Earnings per share (CZK) 10.2 11.4 11.7% +1.2 Return on Tangible Equity 17.0% 20.4% 19.8% +3.4pp Note: (1) Market guidance as published on 2 February 2024. 4 Q CONTENT Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Liquidity Development Capital Management Risk Metrics & Asset Quality 2025 - 2029 Market Guidance Appendix Branch office: Olomouc MACROECONOMIC ENVIRONMENT Czech economy grew by 1.4%; unemployment remains stable; state budget deficit came at CZK 271 billion, lower than expected by CZK 11 billion GDP evolution 1 (CZK bn) 2023: (0.1)% GDP at constant prices GDP Y/Y % change 2024F: 1.1% 1,577 1,597 1,476 1,595 1,610 1.4% 0.5% 0.5% (0.3)% 0.1% 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 Government debt in % of GDP at current prices 2 EURO area - 20 countries Czech Republic 97.2 94.8 89.5 88.6 88.2 36.9 40.7 42.5 42.4 43.6 2020 2021 2022 2023 3Q 2024 Unemployment rate: Czech Statistical Office 3 2023: 2.6% State budget deficit of the Czech Republic 4 (CZK bn) Nov'2024: 2.8% 2024F: 2.7% 2.7% 2.6% 2.8% 2.6% 2.7% (419.7) (360.4) (288.5) (271.4) (241.0) 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 2021 2022 2023 2024 2025F Note: (1) Source: GDP at constant prices of 2020 based on the Czech Statistical Office (CZSO); GDP at current prices - 3Q 2023: CZK 1,913bn, 4Q 2023: CZK 1,927bn, 1Q 2024: CZK 1,965bn, 2Q 2024: CZK 1,997bn, 3Q 2024: CZK 2,016bn; GDP Y/Y % change: 3Q 2023-3Q 2024 actuals based on the CZSO seasonally 6 adjusted and FY 2024 CNB forecast; (2) Euro area data: www.ec.europa.eu/eurostat as at 22 January 2025; (3) ILO methodology, 2024F based on the CNB forecast issued in Autumn 2024; (4) Source: www.mfcr.cz. MACROECONOMIC ENVIRONMENT Inflation on a descending trajectory towards the CNB inflation target of 2%; the key rate decreased to 4.0% Inflation and consumer price index 1 (year-over-year % change) End of period 3.2% 2.3% 6.6% 15.8% 6.9% 3.0% change 2 15.0 15.1% 10.7% 10.0 5.0 2.8% 3.2% 3.8% 2.4% 0.0 2019 2020 2021 2022 2% the CNB inflation target 2023 2024 2W repo rate (end of period) 7.00% 7.00% 6.75% 6.25% 5.75% 5.25% 3.75% 4.50% 4.75% 4.50% 4.25% 4.00% 12/21 03/22 06/22 11/23 12/23 02/24 03/24 05/24 06/24 08/24 09/24 11-12/ 2024 Contribution to inflation by item 1 Market yield curve 3 Swap as of 31 Dec 2024 Dec'2023 % Dec'2024 % Dec'2024 Y/Y price Swap as of 31 Dec 2023 contribution contribution change % 7.0% Food and beverages 0.4 0.7 2.7 Clothing and footwear 0.2 0.0 (0.7) 6.0% Housing, energy 4.7 1.1 3.4 5.0% Health 0.2 0.1 3.9 Transport, telecommunication 0.1 0.1 1.2 4.0% Recreation, culture, education 0.5 0.4 1.4 Restaurants and hotels 0.5 0.4 6.8 3.0% Other 0.3 0.2 3.5 1D 1W 2W 1M 2M 3M 6M 9M 12M 2Y 3Y 4Y 5Y 6Y 7Y 8Y 9Y 10Y 12Y 15Y 20Y 30Y Total 6.9 3.0 3.0 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 7 maturity. CONTENT Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Liquidity Development Capital Management Risk Metrics & Asset Quality 2025 - 2029 Market Guidance Appendix Branch office: Chomutov OVERALL BUSINESS PLATFORM consists of three service and sales distribution pillars: Digital presence Branch network Contact centre supported by own and shared ATM network, enabling deposits, withdrawals and service operations Total number Branch Own & shared of clients network ATM network 1 1.6 m 124 1,966 +1.4% (7.5)% (0.3)% Total number of Number of front Number of other employees line employees employees 2 2,490 1,352 1,138 (0.8)% (4.0)% +3.2% Note: Numbers as at 31 December 2024. The percentage represents the year-on-year change. (1) Out of which 795 ATMs have a deposit function; 9 (2) 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 Internet: Internet Banka Additionally, it is supported by its presence on social media platforms: Digital Average Payment platform users 1 daily visits 1 transactions 1.5 m 684 ths 73.2 m +7.3% +12.3% +13.1% Servicing Loan Sales transactions applications transactions m 355 ths ths 23.1 400 +23.5% +26.2% +8.8% Note: Payment transactions, servicing transactions and sales transactions during the year 2024. All numbers in units. The percentage represents the 10 year-on-year change. (1) Combination of Smart Banka and Internet Banka.

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