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1H 2025 Results Published on 24 July 2025 at 07:00 CET According to IFRS, Consolidated, Unaudited MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION
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Note: Percentage change represents movement compared to 1H 2024. (1) Reported cost to income ratio at 42.3%; (2) Gross performing portfolio. • 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 CZK 2.9 billion (+1.2%) resulting in adjusted 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%) 1H 2025 Key highlights 2 (in CZK) 3.1bn Net profit 2.9bn Operating expenses 6.8bn Operating income 284bn Loan portfolio 2 462bn Funding base 503bn Total assets +9.1% stable +4.2%+4.0% +4.4% +14.4%
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Note: The percentage and percentage points represent the year-on-year change. (1) Capital management target of 15.25% as at 30 June 2025. • Capital adequacy ratio at 18.5%, excess of CZK 5.5 billion or 3.3pp above the capital management target1 • MREL ratio at 27.8%, comfortably above the management target of 22.4% • 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 1H 2025 Key highlights 3 (in CZK) 339% 27.8% MREL ratio 33.3% RWA density 5.5bn Excess capital 1 Liquidity coverage ratio (2.1)pp CZK 10.8 per share stable 23.4% Return on Tangible Equity +3.4pp Excess 5.5pp 18.5% Capital adequacy ratio Excess 3.3pp
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4 Key messages (1/2) 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. Lending growth 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. 3rd party product distribution 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. 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.
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5 Key messages (2/2) 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. Cost management 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. Distributions to shareholders 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. 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.
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2025 – 2029 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Praha - Harfa
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7 GDP evolution1 (CZK bn) Unemployment rate: ECB, Czech Statistical Office3 Government debt in % of GDP at current prices2 Czech economy grew by 2.4%; unemployment remains low and stable; state budget deficit forecasted at CZK 241 billion MACROECONOMIC ENVIRONMENT Note: (1) Source: GDP at constant prices of 2020 based on the Czech Statistical Office (CZSO); GDP at current prices – 1Q 2024: CZK 1,976bn, 2Q 2024: CZK 2,001bn, 3Q 2024: CZK 2,027bn, 4Q 2024: CZK 2,051bn, 1Q 2025: CZK 2,085bn; GDP Y/Y % change: 1Q 2024–1Q 2025 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 April 2025; (3) ILO methodology; (4) Source: www.mfcr.cz. State budget deficit of the Czech Republic4 (CZK bn) 2024: 1.1% 2025F: 2.0% 1,475 1,594 1,612 1,634 1,511 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 GDP at constant prices 419.7 360.4 288.5 271.4 241.0 2021 2022 2023 2024 2025F CZK (152.4)bn as at Jun’2025 0.4% 0.4% 1.4% 1.8% 2.4% GDP Y/Y % change 96.5 93.9 89.5 87.3 87.4 36.9 40.7 42.5 42.5 43.6 2020 2021 2022 2023 2024 EURO area - 20 countries Czech Republic 6.7% 5.1% 3.8% 3.4% 2.9% Share on GDP at current pricesState budget deficit 6.5 6.4 6.3 6.2 6.4 2.8 2.6 2.7 2.6 2.7 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 EURO area - 20 countries Czech Republic
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8 Inflation and consumer price index1 (year-over-year % change) Contribution to inflation by item1 2W repo rate (end of period) Inflation broadly stable below 3%; the 2-week repo rate decreased to 3.50% MACROECONOMIC ENVIRONMENT 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. Market yield curve3 2.6%2.3% 6.6% 6.9% Dec’2024 % contribution Jun’2025 % contribution Jun’2025 Y/Y price change % Food and beverages 0.7 1.5 5.5 Clothing and footwear 0.0 (0.1) (1.5) Housing, energy 1.1 0.6 2.0 Health 0.1 0.1 3.7 Transport, telecommunication 0.1 (0.1) (1.1) Recreation, culture, education 0.4 0.4 4.7 Restaurants and hotels 0.4 0.3 4.8 Other 0.2 0.2 3.4 Total 3.0 2.9 2.9 End of period change2 15.8% 3.0% 0.0 5.0 10.0 15.0 3.2% 2020 3.8% 2021 15.1% 2022 10.7% 2023 2.4% 2024 2.9% 06/2025 7.00% 06/22 6.75% 12/23 6.25% 02/24 5.75% 03/24 5.25% 05/24 4.75% 06/24 4.50% 08/24 4.25% 09/24 4.00% 11/24 3.75% 02/25 3.50% 05/25 2% the CNB inflation target 3.0% 3.5% 4.0% 4.5% 5.0% 1D 1W 2W 1M 3M 6M 12M 2Y 3Y 4Y 5Y 6Y 7Y 8Y 9Y 10Y 12Y 15Y 20Y 30Y 30/06/2025 31/12/2024 30/06/2024 % % % %
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2025 – 2029 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Vrchlabí
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Note: Numbers as at 30 June 2025. The percentage represents the year-on-year change. (1) Out of which 795 ATMs have a deposit function (41%); (2) Average FTEs in 1H 2025; (3) Includes control and enabling functions. consists of three service and sales distribution channels: • Digital platform • Branch network • Contact centre supported by own and shared ATM network, enabling deposits, withdrawals and service operations Overall business platform 10 Number of other employees2,3 Number of front line employees 2 Total number of clients Own & shared ATM network 1 Branch network Total number of employees 2 2,461 (2.0)% 122 1,324 (4.0)% 1,138 1.6m +1.0% stable (9.0)% 1,948 stable
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Note: Payment transactions, servicing transactions and sales transactions during 1H 2025. All numbers in units. The percentage represents the year-on-year change. (1) Digital platform users include clients and authorised signatories, combination of Smart Banka and Internet Banka. 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 Mobile application – Smart Banka is the key component, enabling access to 52 products and more than 230 service functions Digital platform 11 Sales transactions Loan applications Digital platform users 1 Payment transactions Average daily visits 1 Servicing transactions 11.0m (1.2)% 38.8m +7.9% 720ths 175ths +1.8% 240ths 1.6m +8.7% +12.7% +6.1%
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Note: Visits, distribution of 3rd party products and loan applications during 1H 2025. NPS for June 2025. Distribution of 3rd party products and loan applications in a number of units. The percentage represents the year-on-year change. (1) As at 30 June 2025; (2) Average FTEs in 1H 2025. Includes retail, SME and small business bankers; (3) June 2025 retail client NPS = Net promoter score is the difference between the % of promoters and the % of detractors. Based on a survey focused on satisfaction with request handling; (4) Non-cash visits; (5) In number of units – includes 3rd party products such as number of insurance policies and number of individual investments into wealth management products. continues to play an important role in product distribution and client service. The network is organised into six distinct front-office units: • Retail banking • Wealth management distribution • Mortgage distribution • Small business banking • SME banking • Structured finance for corporate clients Branch network 12 Number of staff at branches2 Distribution of 3rd party products5 Client satisfaction NPS 3 Branch visits 4 75ths (14.1)% 1,055 (5.7)% 89 425ths (17.8)% Number of branches 1 122 (9.0)% +9.9% Loan applications 243ths (4.8)%
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Note: Average number of FTEs in 1H 2025, NPS for 1H 2025, other data cumulative during 1H 2025 for retail and commercial clients. The percentage and percentage points represent the year-on-year change. (1) Inbound traffic = number of answered incoming calls; (2) 1H 2025 retail client NPS = Net promoter score is the difference between the % of promoters and the % of detractors. Based on a survey on consumer products; (3) Percentage of calls answered out of total incoming calls, including resolved customer requests from missed calls that were called back; (4) Email communication = number of answered emails or messages from Internet Banka, web forms, chats or social media; (5) Lifetime income estimate of all insurance units sold. complements the service and sales of both the digital and physical branch network through a range of communication channels: • Telephone • Email • Web • Chats • Social media Contact centre 13 Number of staff Email communication 4 Client satisfaction NPS 2 Percentage of answered calls 3 80ths (5.4)% 222 +11.6% 71 93.6% stable Inbound traffic 1 380ths (6.5)% stable Insurance sales income – CZK 5 87m +24.9%
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Note: Withdrawals, deposits and service transactions on MONETA’s ATMs in a number of units during 1H 2025. The percentage represents the year-on-year change. provides 24/7 access to withdrawals, deposits and miscellaneous services through its own and shared network. ATM alliance partnership includes four banks: • MONETA Money Bank • Komerční banka • Air Bank • UniCredit Bank ATM network 14 Deposit ATMs in shared network Own ATM deposits Own ATM network Own ATM withdrawals 1.1m +21.1% 795 563 6.8m (8.3)% Own & shared ATM network 1,948 ATM service transactions 1.5m +6.1% (2.1)%stable stable
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2025 – 2029 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Jilemnice
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Note: (1) Reported cost to income ratio at 42.3%. Net profit driven by strong operating income growth and stable cost base; cost of risk in line with expectations PROFIT AND LOSS STATEMENT Cost base remained stable. Adjusted cost to income ratio at 40.9%1 Net interest income growth driven by higher lending income and lower deposit expense (NIM improved to 1.9% compared to 1.8% in 1H 2024, CoF at a level of 2.2% compared to 3.4% in 1H 2024) Net fee and commission income growth driven mainly by the strong distribution of wealth management products (+22.2% or CZK 74 million YoY) and 25% lower fee expenses Cost of risk of CZK 268 million or 19bps in line with provided guidance PROFIT AND LOSS (CZK m) 1H 2024 1H 2025 CHANGE YoY Net interest income 4,185 4,758 13.7% Net fee and commission income 1,492 1,666 11.7% Other income 545 366 (32.8)% OPERATING INCOME 6,222 6,790 9.1% Operating expenses (2,839) (2,873) 1.2% OPERATING PROFIT 3,383 3,917 15.8% Cost of risk (237) (268) 13.1% PROFIT BEFORE TAX 3,146 3,649 16.0% Income tax (442) (555) 25.6% NET PROFIT 2,704 3,094 14.4% Earnings per share 5.3 6.1 14.4% Return on Tangible Equity 20.0% 23.4% 3.4pp Effective tax rate 14.0% 15.2% 1.2pp Net profit of CZK 3.1 billion, up by 14.4% with RoTE at 23.4% 16 Other income impacted by lower FX derivative result and absence of bond sale gain in 1H 2025
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2024 2025 17 Net interest income (CZK m) Interest expense on customer deposits (CZK m) Interest income on loans (CZK m, YoY absolute change) NII growth primarily driven by deposit repricing; partially offset by lower treasury income reflecting 2-week repo rate decline NET INTEREST INCOME DRIVERS Note: (1) Treasury and other net interest income composed of money market operations, investment portfolio, wholesale funding and issued bonds. Treasury and other net interest income1 (CZK m) 2Q’24 3Q’24 4Q’24 1Q’25 2Q’25 3,336 3,310 3,333 3,344 3,423 +87 2,143 1,779 1,491 1,266 1,241 2Q’24 3Q’24 4Q’24 1Q’25 2Q’25 (902) (3,369) (2,784) (2,395) (2,273) (2,243) 3Q’24 2Q’251Q’252Q’24 4Q’24 2,110 2,305 2,429 2,337 2,421 2Q 3Q 4Q 1Q 2Q +14.7% +3.6% +1,126
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18 Net fee and commission income (CZK m) Fee expense (CZK m) Third-party commission income (CZK m) Growth driven by reduced fee expense and improved servicing and transactional fees; wealth management under pressure in April FEE AND COMMISSION INCOME & EXPENSE Fee income (CZK m) (165) (165) (194) (111) (119) 289 289 323 296 285 189 179 226 219 189 2Q’24 3Q’24 4Q’24 1Q’25 2Q’25 478 468 549 515 474 360 365 376 347 376 2Q’24 3Q’24 4Q’24 1Q’25 2Q’25 439 86 451 83 459 444 87 463 79 97 Wealth mngt 0.0% YoY Insurance (1.4)% YoY 752 754 814 848 818 2Q 3Q 4Q 1Q 2Q +8.8% 3Q’24 2Q’251Q’242Q’24 4Q’24 2024 2025 Penalty +10.1% YoY Transactional & Servicing +4.4% YoY Fee expense (27.9)% YoY
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19 Commissions from wealth management product distribution (CZK m) Outstanding amount of distributed wealth management products (CZK m) Cross-selling of wealth management products contributed to 22% commission income growth; outstanding amount expanded by 38% DISTRIBUTION OF WEALTH MANAGEMENT PRODUCTS Note: Number of licensed staff and wealth management specialists as at 30 June of the relevant year. Number of licensed staff for the retail segment. 48,733 67,440 30/06/2024 30/06/2025 +38.4% 334 408 1H 2024 1H 2025 +22.2% 1H 2024 1H 2025 Change Number of licensed staff (MiFiD) 533 549 +3.0% Wealth management specialists 53 65 +22.6% Distributed volume (CZK m) 11,546 10,654 (7.7)% Attrition (% avg balance, p.a.) 12.1% 12.2% +0.1pp Opening fee (CZK m) 126 155 +23.0% Trailer fee (CZK m) 207 253 +22.2%
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20 Commissions from insurance product distribution (CZK m) Payment protection insurance – gross written premium (CZK m) Recurrent insurance income remained stable, while reported income is lower due to positive one-offs in 1H 2024 INSURANCE PRODUCT DISTRIBUTION Note: (1) As at 30 June of the relevant year. 581572 39 1H 2024 1H 2025 611 581 (4.9)% Recurrent income +1.6% YoY 1H 2024 1H 2025 Change Number of licensed staff (IDD)1 682 642 (5.9)% Payment protection insurance Gross written premium (CZK m) 372 397 +6.8% Commissions earned (CZK m) 208 216 +3.9% Life insurance Annual premium equivalent (CZK m) 85 89 +4.2% Commissions earned (CZK m) 163 163 0.0% Pension insurance Units sold (ths) 18 13 (29.8)% Commissions earned (CZK m) 48 39 (20.0)% 372 397 1H 2024 1H 2025 +6.8% One-offs
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21 • Regulatory charges decreased by 9.7% or CZK 21 million primarily due to lower contribution to the Resolution Fund • Administrative and Other expenses increased by 11.1% or CZK 86 million mainly due to higher IT and facilities expenses • Personnel expenses went down by 1.0% or CZK 12 million due to employment base reduction by 2.0% to 2,461 FTEs1 • Adjusted cost to income ratio decreased by 3pp to 40.9% Note: Regulatory charges include mandatory contributions to Deposit Insurance, Resolution and Investor Compensation Funds; (1) Average FTEs in 1H 2025. Cost base stable as a result of slightly higher administrative costs offset by savings achieved in all other categories OPERATING EXPENSES Operating expenses (CZK m) Key highlights 1,245 1,233 774 860 604 585 216 195 1H 2024 1H 2025 2,839 2,873 +1.2% Admin & Other +11.1% YoY Regulatory charges (9.7)%YoY Personnel (1.0)% YoY Depreciation and amortisation (3.1)% YoY
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2025 – 2029 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Karlovy Vary
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23 Loan portfolio (CZK bn) Loan portfolio yield (average) Funding base (CZK bn) Loan growth continued, supported by funding base expansion despite a significant decline in cost of funding KEY BALANCE SHEET METRICS Note: Loan portfolio = gross performing receivables. Cost of funding (average) 1H 2024 2H 2024 1H 2025 4.91% 4.86% 4.83% (0.08)pp 1H 2024 2H 2024 1H 2025 3.42% 2.52% 2.22% (1.20)pp 271.6 275.9 283.7 30/06/2024 31/12/2024 30/06/2025 +4.4% +2.8% 443.1 452.4 461.9 30/06/2024 31/12/2024 30/06/2025 +4.2% +2.1%
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24 Notes: (1) Including reverse repo operations with the CNB; (2) Including CSA from Due to customers in the amount of CZK 253m at the end of 2Q 2024, CZK 197m at the end of 3Q 2024, CZK 215m at the end of 4Q 2024, CZK 200m at the end of 1Q 2025 and CZK 175m at the end of 2Q 2025. The balance sheet continued to grow by 4% YoY through ongoing deposit base expansion BALANCE SHEET PROFILE AND DEVELOPMENT Assets (CZK bn) Equity and liabilities (CZK bn) Cash and cash balances at the CNB1 (14.5)% YoY Investment securities +21.3% YoY Net customer loans +4.5% YoY Repo operations and due to banks 2 (23.9)% YoY Equity Customer deposits +2.9% YoY 271.0 270.4 275.4 277.7 283.2 102.0 106.0 116.7 123.1 123.7 96.4 95.4 88.9 85.0 82.5 13.9 2Q 16.4 3Q 14.0 4Q 14.9 1Q 483.3 488.2 495.0 500.7 2Q 502.8 13.4 +4.0% 30.3 31.8 31.9 33.3 29.9 9.0 11.9 10.1 11.0 10.5 425.8 421.4 429.8 432.8 438.1 6.7 11.5 2Q 3.9 19.1 3Q 4.0 19.2 4Q 1Q 483.3 488.2 495.0 500.7 2Q 502.8 19.2 5.14.5 19.1 +4.0% Other liabilities Issued bonds and subordinated deposits Other assets 2024 2025 2024 2025
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25 New lending volume (CZK bn) New commercial lending volume (CZK bn) New lending volume grew by 24% due to intensified focus on lending activity across all products NEW LENDING VOLUMES Note: (1) Including retail housing loans and auto loans; (2) Including commercial auto loans. New retail lending volume (CZK bn) 28.9 35.9 1H 2024 1H 2025 +24.2% 10.8 6.8 1H 2024 12.4 9.0 1H 2025 17.6 21.4 +21.9% Mortgage loans +33.3% YoY Consumer and Other loans1 +14.7% YoY 8.5 2.9 1H 2024 10.5 4.0 1H 2025 11.4 14.5 +27.7% Small business +39.3% YoY SME2 +23.8% YoY
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26 Loan portfolio (CZK bn) Double-digit growth in the small business segment accompanied by strong SME growth and slower growth in retail LOAN PORTFOLIO Note: (1) Includes investment loans, working capital and commercial auto loans and leasing portfolio. 75.1 74.7 76.5 76.8 79.7 17.2 18.3 181.5 180.7 183.1 184.2 185.7 15.1 2Q 15.4 3Q 16.3 4Q 1Q 2Q 271.6 270.8 275.9 278.1 283.7 +4.4% +2.8% Retail +2.3% YoY Small business +21.8% YoY SME1 +6.1% YoY 2024 2025
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27 Retail loan portfolio (CZK bn) Retail loan portfolio growth driven by mortgage and consumer lending RETAIL LOAN PORTFOLIO DEVELOPMENT Notes: (1) Loan to value ratio on the performing mortgage portfolio at 52.5% as at 30 June 2025; (2) Other loans include housing loans, credit cards and overdrafts. 3Q 12.0 130.2 38.1 2.7 4Q 11.6 131.3 38.6 2.7 1Q 12.4 132.7 39.0 2.7 2Q 128.8 37.7 2.6 2Q 181.5 180.7 183.1 184.2 185.7 12.2 127.7 38.1 2.7 11.2 +2.3% +1.4% Mortgage portfolio1 +3.1% YoY Consumer loans +3.4% YoY Other loans2 (9.7)% YoY Auto loans +4.4% YoY 2024 2025
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28 Commercial loan portfolio (CZK bn) Commercial lending produced strong growth in small business and investment loans COMMERCIAL LOAN PORTFOLIO DEVELOPMENT Notes: (1) Auto loan portfolio includes financing of agriculture equipment (Smart Finance) and portfolio of MONETA Leasing; (2) Investment loan portfolio includes housing loans. 46.7 46.5 50.1 50.5 53.3 18.6 18.5 16.6 16.7 16.6 9.8 9.8 9.8 9.6 9.8 15.1 15.4 16.3 17.2 18.3 2Q 3Q 4Q 1Q 2Q 90.1 90.1 92.8 94.0 98.0 +8.7% +5.6% Investment loan portfolio2 +14.1% YoY Working capital (10.9)% YoY Small business loan +21.8% YoY Auto loan1 +0.3% YoY 2024 2025
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29 Loan portfolio yield (%) Commercial loan portfolio yield (%) Loan portfolio yield remained stable; commercial yield impacted by declining short-term interest rate environment LOAN PORTFOLIO YIELD EVOLUTION Note: For more details, please see the explanation in the glossary. Retail loan portfolio yield (%) 4.9 4.9 4.9 4.8 4.8 2Q 3Q 4Q 1Q 2Q 6.2 6.1 6.0 5.8 5.8 2Q 3Q 4Q 1Q 2Q 4.2 4.3 4.3 4.3 4.3 2Q 3Q 4Q 1Q 2Q 2024 2025 2024 2025 2024 2025
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30 Customer deposits and wholesale funding1 (CZK bn) Funding base grew by 4.2%, mainly due to growth in customer deposits and bond issuances to cover the MREL requirement FUNDING BASE Notes: (1) Wholesale funding consists of Issued bonds and Subordinated liabilities, both of which support the Bank’s capital position on an individual and consolidated basis. The balance also includes Due to banks balances (excl. opportunistic repo operations and CSA). Retail +2.8% YoY Commercial +3.0% YoY100.6 98.8 105.8 102.6 103.6 325.3 322.7 324.0 330.2 334.5 17.3 2Q 22.6 3Q 22.6 4Q 23.1 1Q 23.8 2Q 443.1 444.0 452.4 455.9 461.9 +4.2% +2.1% Wholesale +37.9% YoY 2024 2025
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31 Monthly development of customer deposits and funding cost (%, CZK bn) Continued cost of funds reduction delivered NIM improvement and offset impact of the mandatory deposit reserve doubling DEVELOPMENT OF COSTS AND BALANCES OF CUSTOMER DEPOSITS Net interest margin development over 12 months (%) 425.8 424.3 420.3 421.4 421.0 421.6 429.8 424.4 431.4 432.8 438.6 441.5 438.1 06/24 07/24 08/24 09/24 10/24 11/24 12/24 01/25 02/25 03/25 04/25 05/25 06/25 +2.9% 2.99% 2.73% 2.62% 2.51% 2.34% 2.25% 2.16% 2.16% 2.16% 2.13% 2.12% 2.08% 1.96% 1.90 1.93 1.96 1.96 1.99 2.02 2.05 1.95 1.92 1.90 1.90 1.90 1.99 Impacted by doubled mandatory reserves
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32 Retail customer deposits (CZK bn) Retail deposit growth achieved across all deposit categories, accelerated in 1H 2025 RETAIL CUSTOMER DEPOSITS DEVELOPMENT Notes: (1) Including building savings accounts. 270.6 268.2 269.2 275.0 278.0 54.7 54.5 54.8 55.2 56.5 2Q 3Q 4Q 1Q 325.3 322.7 324.0 330.2 2Q 334.5 +2.8% +3.2% Current account deposits +3.4% YoY Savings, term and other deposits1 +2.7% YoY 2024 2025
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33 Commercial customer deposits (CZK bn) Deposit growth was also achieved in the commercial segment, predominantly in current accounts COMMERCIAL CUSTOMER DEPOSITS DEVELOPMENT Notes: (1) Including building savings accounts. Current account deposits +12.0% YoY Savings, term and other deposits1 (4.2)% YoY 2024 2025 56.2 55.2 52.8 55.0 53.8 44.4 43.5 53.0 47.6 49.7 2Q 3Q 4Q 1Q 2Q 100.6 98.8 105.8 102.6 103.6 +3.0% (2.1)%
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34 Cost of funds1 – average (%) Wholesale funding2 (%) Cost of funds reduction continued and supported improvement in net interest income and net interest margin COST OF FUNDS Notes: (1) Excluding opportunistic repo operations and CSA; (2) Wholesale includes Issued bonds, Subordinated liabilities and Due to banks balances and excludes opportunistic repo operations and CSA. Customer deposits (%) Commercial (%) Retail (%) 3.29 2Q 2.70 3Q 2.37 4Q 2.24 1Q 2.19 2Q 4.42 2Q 4.13 3Q 4.71 4Q 4.77 1Q 4.69 2Q 3.24 2Q 2.63 3Q 2.25 4Q 2.11 1Q 2.06 2Q 3.49 2Q 2.82 3Q 2.43 4Q 2.31 1Q 2.26 2Q 2.40 2Q 2.00 3Q 1.70 4Q 1.47 1Q 1.43 2Q 2024 2025 2024 2025 2024 2025 2024 2025 2024 2025
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2025 – 2029 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Chomutov
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36 Cost of risk (release in brackets, creation without brackets, YtD) Non-performing loan ratio Loan loss provision coverage Cost of risk at 19bps is in line with expectations; NPL ratio reduced to historically low level KEY RISK RATIOS Total non-performing loan coverage 1H 2024 2024 1H 2025 0.18% 0.14% 0.19% +0.01pp 1H 2024 2024 1H 2025 1.4% 1.3% 1.2% (0.2)pp 1H 2024 2024 1H 2025 116.1% 113.6% 113.7% (2.4)pp 1H 2024 2024 1H 2025 1.67% 1.45% 1.37% (0.30)pp
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37 Note: (1) 1H 2025: impact into the cost of risk line at CZK 49m and into other operating income line at CZK 6m; 1H 2024: impact into the cost of risk line at CZK 42m and into other operating income line at CZK 1m. Cost of risk supported by strong core performance and management overlay releases COST OF RISK Cost of risk (CZK m, release in brackets, creation without brackets, QtD) Annualised cost of risk (%, release in brackets, creation without brackets, QtD) • 1H 2025 cost of risk at CZK 268 million or 19bps (1H 2024: CZK 237 million or 18bps); a gain on NPL disposals at CZK 54 million (1H 2024: CZK 43 million).1 0.15 0.17 0.05 0.22 0.17 2Q 3Q 4Q 1Q 2Q 2024 2025 2Q 3Q 4Q 1Q 2Q COST OF RISK 102 114 35 151 117 Retail 85 167 82 181 61 Commercial 17 (53) (48) (30) 56 2024 2025
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38 Gross loan portfolio (CZK m) Non-performing loan portfolio2 (CZK m) Loan loss provisions (CZK m) Gradual reduction of the management overlay; maintained stable loan loss provisions LOAN PORTFOLIO AND LOAN LOSS PROVISIONS Note: (1) Management overlays on expected credit losses reflecting potential risks associated with an environment of high inflation and high interest rates; (2) NPLs include gross loan portfolio balance in Stage 3 and non-performing gross loan portfolio balance in Stage POCI. Loan loss provision coverage 3,977 3,977 3,568 3,612 3,458 2Q 3Q 4Q 1Q 2Q 275,626 274,819 279,435 281,755 287,124 2Q 3Q 4Q 1Q 2Q +4.2% 2Q 3Q 4Q 1Q 1.67% 1.62% 1.45% 1.42% 2Q 1.37% 4,162 4,004 3,658 3,675 3,692 454 2Q 451 3Q 394 4Q 338 1Q 239 2Q 4,616 4,455 4,052 4,013 3,931 (14.8)% Management overlays1 Loan loss provisions NPL ratio 1.3% 1.3% 1.2%1.4% 1.4% 116% 112% 114% 111% 114% Total NPL coverage 2024 2025 2024 2025 2024 2025 2024 2025
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39 NPL balance and net formation (CZK m) Continued decline in NPL balance thanks to disposals, repayments and low formation NON-PERFORMING LOAN DEVELOPMENT Note: NPL balance excluding loan loss provision. (1) Includes also repayment and classification upgrades of loans where the concessions were provided; (2) Write-off includes the unrecovered part of sold receivables. The recovered part obtained within the debt sale is included in Cured. 3,977 3,977 3,568 3,612 3,458 1,296 1,144 1,222 1,105 Jun 2024 NPL forma- tion Cured1 Write- off2 Sep 2024 Write- off2 Cured1NPL forma- tion Mar 2025 Jun 2025 Write- off2 Cured1NPL forma- tion Dec 2024 Write- off2 Cured1 (1,033) (262) (1,123) NPL forma- tion (1,005) (173) (1,065) (194)(431) Net NPL formation (154) Net NPL formation 0 Net NPL formation (409) Net NPL formation +44
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40 Share of past due exposures on total gross portfolio balance (%) Delinquency rates remained low and stable, supported by solid core performance and an efficient collection strategy PAST DUE EXPOSURES DEVELOPMENT Note: 30+ delinquency represents due exposures in the range between 30 and 60 days past due, 60+ delinquency represents due exposures in the range between 60 and 90 days past due, 90+ delinquency represents due exposures more than 90 days past due. 0.53 0.51 0.45 0.47 0.46 0.34 0.37 0.33 0.30 0.31 0.32 0.34 0.32 0.31 0.33 0.37 0.37 0.36 0.35 0.33 0.30 0.17 0.19 0.17 0.16 0.13 0.10 0.10 0.09 0.06 0.10 0.10 0.09 0.10 0.10 0.12 0.10 0.13 0.13 0.10 0.08 0.10 1.36 1.23 1.15 1.11 1.09 0.92 0.87 0.71 0.73 0.58 0.64 0.63 0.57 0.59 0.55 0.61 0.61 0.65 0.63 0.53 0.55 0.53 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 0.08 2Q 3Q 4Q 1Q 2Q 3Q 0.40 4Q 1Q 2Q 3Q 4Q 1Q 2Q 30+ 60+ 90+ 2021 20222020 2023 2024 2025
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2025 – 2029 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Brno
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42 Loan to deposit ratio Liquidity coverage ratio Share of high-quality liquid assets on customer deposits Liquidity ratios remained stable and strong KEY LIQUIDITY RATIOS Net stable funding ratio 30/06/2024 31/12/2024 30/06/2025 64% 64% 65% 30/06/2024 31/12/2024 30/06/2025 340% 357% 339% 30/06/2024 31/12/2024 30/06/2025 178% 181% 181% 30/06/2024 31/12/2024 30/06/2025 42% 43% 41%
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43 High-quality liquid assets (CZK bn) HQLA position represents one third of the balance sheet; free liquidity managed to support net interest income and margin HIGH-QUALITY LIQUID ASSETS DEVELOPMENT 89.2 97.5 107.4 112.6 114.8 85.3 82.2 75.6 65.7 61.3 3.8 2Q 3.4 3Q 3.8 4Q 2.9 1Q 178.4 183.1 186.8 181.2 2Q 179.1 3.1 +0.4% Cash (19.1)% YoY Balances at the CNB (28.1)% YoY Government and other bonds +28.6% YoY 2024 2025
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2025 – 2029 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Prague - Dejvice
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45 Capital adequacy ratio Risk-weighted assets (CZK bn) Tier 1 capital adequacy ratio MONETA maintains strong capital position; RWA declined by 3.3% mainly due to positive impact from CRR3 implementation KEY CAPITAL RATIOS – CONSOLIDATED BASIS Note: (1) Including 100bps of management buffer; (2) Including 75bps of management buffer, which is covered by Tier 1 capital; (3) Excess capital over the management capital target of 15.05% as at 31 December 2024 and 15.25% as at 30 June 2025; 1H 2025 excess capital does not include 2025 accrued dividend of CZK 2.8bn; (4) Excess capital over Tier 1 management capital target of 12.23% as at 31 December 2024 and 12.50% as at 30 June 2025. Excess capital over management target3 (CZK m) 15.05% 3.20% 31/12/2024 15.25% 3.28% 30/06/2025 18.25% 18.53% Management target1 12.23% 2.24% 31/12/2024 12.50% 2.54% 30/06/2025 14.46% 15.04% Management target 2 Excess capital T1, T2 and debt instruments Distributable excess capital 31/12/2024 30/06/2025 173.5 167.7 (3.3)% 3,885 4,266 1,657 1,242 31/12/2024 30/06/2025 5,543 5,508 Tier 1 excess4 Tier 2 excess
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46 Regulatory capital (CZK bn) Capital adequacy ratio Risk-weighted assets density On a consolidated level, RWA density positively impacted by CRR3 implementation; excess capital kept stable at CZK 5.5bn CAPITAL POSITION ON A CONSOLIDATED BASIS Note: (1) Including 100bps of management buffer; (2) Excess capital and accrued dividend as at 30 June 2025 are subject to corporate, regulatory and regulator´s limitations; (3) Including changes based on Article 473a of Regulation (EU) No. 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and amending Regulation (EU) No. 648/2012, change of T2 capital, changes in intangibles and other; (4) 90% of 1H 2025 net profit. Excess capital over management capital target of 15.25%1,2 (CZK m) 6.6 25.1 31/12/2024 5.9 25.2 30/06/2025 31.6 31.1 31/12/2024 30/06/2025 35.0% 33.3% 5,543 5,508875 3,094 0 5,000 10,000 31 Dec 2024 Change of capital requirement Change in RWA Other changes in capital3 1H 2025 Net profit 1H 2025 Dividend accrual4 30 Jun 2025 (347) (871) (2,785) Tier 2 Tier 1 15.05% 3.20% 31/12/2024 15.25% 3.28% 30/06/2025 18.25% 18.53% Management target1 Excess capital T1, T2 and debt instruments
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47 Regulatory capital and MREL instruments (CZK bn) MREL adequacy ratio Risk-weighted assets density On an individual basis, a strong MREL ratio is maintained, more than 5 percentage points above MREL target CAPITAL POSITION ON AN INDIVIDUAL BASIS Note: (1) Consists of a total MREL requirement and a management buffer of 1%. • MONETA maintains the 2025 dividend accrual at 90% of the consolidated net profit • Current MREL position of 27.80% constitutes an excess of 545 basis points above the MREL management target as at 30 June 2025 • In 3Q 2025, MONETA seeks to issue EUR 100 million of Tier 2 capital instruments to further optimise capital structure 26.3 6.6 12.5 31/12/2024 26.5 5.9 13.1 30/06/2025 45.4 45.4 21.95% 5.04% 31/12/2024 22.35% 5.45% 30/06/2025 26.99% 27.80% MREL management target1 Excess over MREL management target 31/12/2024 30/06/2025 35.0% 33.3% Tier 2 Tier 1 MREL
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2025 – 2029 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Prague, Harfa
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Note: Please see pages 50, 51 and 78 of this presentation for limitations of forward-looking statements and their assumptions. (1) Assuming no changes in the current tax regulation. In the next five years, we seek to deliver a minimum cumulative net profit of CZK 33.3 billion or CZK 65.1 per share 2025 – 2029 MEDIUM-TERM GUIDANCE Metrics 2025 2026 2027 2028 2029 CAGR 2025-2029 Total operating income (CZK bn) 13.6 14.6 15.1 15.8 16.5 5.0% Total operating expenses (CZK bn) (5.9) (6.1) (6.2) (6.4) (6.6) 2.8% Operating profit (CZK bn) 7.7 8.5 8.9 9.4 9.9 6.5% Cost of risk (bps) (15-35) (25-45) (25-45) (25-45) (25-45) - Effective tax rate1 15.5% 15.5% 15.5% 15.5% 15.5% - NET PROFIT (CZK bn) 6.0 6.3 6.6 7.0 7.4 5.4% Earnings per share (CZK) 11.7 12.3 12.9 13.7 14.5 5.4% Dividend per share (CZK) 10.6 11.1 11.6 12.3 13.0 5.4% Return on Tangible Equity 20% 20% 21% 21% 22% - 49
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50 Note: Please see also pages 51 and 78 for limitations of forward-looking statements and their assumptions. Source 2025-2026: GDP, unemployment and inflation rates based on the CNB forecast issued in autumn 2024; 2W repo rate and 1M Pribor based on internal assumptions. 2027 – 2029: all data based on internal assumptions. Macroeconomic assumptions for medium-term guidance 2025 – 2029 MEDIUM-TERM GUIDANCE 2025 2026 2027 2028 2029 GDP growth 2.4% 2.4% 2.4% 2.5% 2.5% Unemployment 2.9% 3.0% 2.9% 2.8% 2.7% Inflation 2.6% 2.2% 2.0% 2.0% 2.0% 2W repo rate (annual average) 3.3% 3.0% 3.0% 3.0% 3.0% 1M Pribor (annual average) 3.3% 3.1% 3.1% 3.1% 3.1% CZK/EUR 25.4 25.5 25.4 25.4 25.4
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51 Note: Please see also pages 50 and 78 for limitations of forward-looking statements and their assumptions. Projected loans and deposits growth 2025 – 2029 MEDIUM-TERM GUIDANCE 2024 2025 2026 2027 2028 2029 CAGR 2024-2029 Gross performing loans development 275.9 288.3 298.6 314.8 334.8 354.7 5.2% Retail 183.1 188.6 193.0 201.4 213.8 226.7 4.4% Commercial 92.8 99.8 105.7 113.4 121.0 128.0 6.6% Customer deposits development 429.8 435.0 445.9 458.0 474.1 490.8 2.7% Retail 324.0 331.2 340.5 351.0 365.4 380.4 3.3% Commercial 105.8 103.8 105.4 107.0 108.6 110.3 0.8%
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2025 – 2029 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Jablonec nad Nisou
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Events with Investors Net Profit Evolution 2020 - 2029 Distributed Dividends and Total Shareholder Return Capital Requirements Issued Bonds Overview Deposit and Lending Market Financial Statements & Key Performance Ratios Glossary of Terms • • • • • • • • Appendix
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Calendar for 3Q 2025 REPORTING DATES, INVESTOR MEETINGS AND OTHER IMPORTANT DATES 54 Goldman Sachs CEEMEA Financials Symposium, London 9 September 2025 3Q 2025 Earnings 23 October 2025 Baader’s Investment Conference, Munich 24 September 2025
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56 2020 – 2029 Net profit1 (CZK bn) A cumulative net profit of CZK 33.3 billion in the next five years is 46% higher compared to the past five years NET PROFIT EVOLUTION Note: Guidance is subject to change based on actual financial results of the Group in the years 2025 to 2029 and corporate, regulatory and regulator’s limitations. Please see pages 50, 51 and 78 of this presentation for limitations of forward-looking statements and their assumptions.(1) 2020 – 2024 represents final data, 2025 – 2029 represents guidance. 2020 – 2029 Operating income1 (CZK bn) 2.6 4.0 5.2 5.2 5.8 6.0 6.3 6.6 7.0 7.4 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 CZK 22.8bn CZK 33.3bn+46.2% 12.1 11.2 12.1 12.1 12.9 13.6 14.6 15.1 15.8 16.5 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 CZK 60.4bn CZK 75.6bn+25.1%
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Events with Investors Net Profit Evolution 2020 - 2029 Distributed Dividends and Total Shareholder Return Capital Requirements Issued Bonds Overview Deposit and Lending Market Financial Statements & Key Performance Ratios Glossary of Terms Appendix • • • • • • • •
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58 Net profit and dividend distribution (CZK m) Between 2016 and 2024, MONETA generated a cumulative net profit of CZK 39 billion with a dividend pay-out ratio at 88% DISTRIBUTION OF DIVIDENDS 2016–2024 Note: Dividend policy remains valid as long as MONETA operates at a capital adequacy ratio at a minimum of 100bps above the regulatory capital requirement and is subject to a variety of other factors and conditions. (1) In March 2020, the CNB instructed the banking sector to suspend their dividendpolicies. This recommendation stayed in place until 30 September 2021; (2) CZK 3.30 per share represents the interim dividend distributed on 17 December 2019; (3) 2024 includes a dividend from the 2024 net profit in the amount of CZK 10 per share and an extraordinary dividend distributed from the Bank’s retained earnings of previous years in the amount of CZK 3 per share; (4) Calculated as the ratio of cumulative dividends for the years 2016-2024 to the average of share prices during the same period. 4,054 3,923 4,200 4,019 2,601 3,984 5,187 5,200 5,808 5,008 4,088 3,143 1,686 1,533 3,577 4,088 4,599 6,643 Net profit Dividend 2016 2017 2018 2019 2020 2021 2022 2023 20243 2016-2024 cumulative Pay-out ratio 124% 104% 75% 42%1 59% 90% 79% 88% 114% 88% Dividend per share (CZK) 9.80 8.00 6.15 3.30 2 3.00 7.00 8.00 9.00 13.00 67.25 Share price – end of period (CZK) 82.80 82.40 72.50 85.00 68.00 93.75 76.00 93.60 123.80 n/a Dividend yield 11.8% 9.7% 8.5% 3.9% 4.4% 7.5% 10.5% 9.6% 10.6% 74.7% 4
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59 Total shareholders return1 as at 30 June 2025 (%) MONETA delivered a total shareholder return of 86%, above European banks’ average TOTAL SHAREHOLDER RETURN COMPARISON Source: Company information, Bloomberg as at 30 June 2025; Note: (1) Calculated as the sum of share price performance as at 30 June 2025 vs 31 December 2023 and reinvested dividends paid in 2024 and 2025; (2) EuroStoxx incl. 42 banks from the SX7P STOXX Europe 600 Banks Index. +69.1% MONETA Komerční banka Euro Stoxx Banks2 +85.7% +82.2% 95.0 115.0 135.0 155.0 175.0 195.0 01/01/2024 27/01/2024 22/02/2024 19/03/2024 14/04/2024 10/05/2024 05/06/2024 01/07/2024 27/07/2024 22/08/2024 17/09/2024 13/10/2024 08/11/2024 04/12/2024 30/12/2024 25/01/2025 20/02/2025 18/03/2025 13/04/2025 09/05/2025 04/06/2025 30/06/2025 Moneta Komerční banka Eurostoxx banks
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Events with Investors Net Profit Evolution 2020 - 2029 Distributed Dividends and Total Shareholder Return Capital Requirements Issued Bonds Overview Deposit and Lending Market Financial Statements & Key Performance Ratios Glossary of Terms • • • • • • • • Appendix
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31/12 2024 31/03 2025 30/06 2025 MREL – loss absorption amount 10.3% 10.0% 10.0% MREL - recapitalisation amount 6.9% 7.1% 7.1% CRR capital conservation buffer 2.5% 2.5% 2.5% CRR countercyclical buffer 1.25% 1.25% 1.25% Systemic risk buffer - 0.5% 0.5% Total requirement 20.95% 21.35% 21.35% Management capital buffer 1.0% 1.0% 1.0% MANAGEMENT TARGET 21.95% 22.35% 22.35% 31/12 2024 31/03 2025 30/06 2025 Pillar I – CRR requirement 8.0% 8.0% 8.0% Pillar II – SREP requirement1 2.3% 2.0% 2.0% CRR capital conservation buffer 2.5% 2.5% 2.5% CRR countercyclical buffer 1.25% 1.25% 1.25% Systemic risk buffer - 0.5% 0.5% Total requirement 14.05% 14.25% 14.25% Management capital buffer 1.0% 1.0% 1.0% MANAGEMENT TARGET 15.05% 15.25% 15.25% Note: The CNB usually re-assesses the above SREP capital requirements annually. The CNB may also launch an ad-hoc extraordinary SREP process, for example, in case of a change of the Bank’s consolidated unit. In 2025 last change of requirements valid from 28/02/2025. (1) Although the Pillar II capital requirement was set only on a consolidated basis, its value is used with a delay in setting the MREL requirement on an individual basis. 2025 capital requirement on a consolidated basis increased by 20bps and on an individual basis by 40bps against December 2024 CAPITAL & REGULATORY REQUIREMENTS Capital requirement on a consolidated basis Capital requirement on an individual basis 61
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• Events with Investors • Net Profit Evolution 2020 - 2029 • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms Appendix
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63 Note: (1) First five years fixed rate; (2) MREL eligible instrument. In 3Q 2025, MONETA seeks to issue T2 capital instrument in the amount of EUR 100 million to further optimise capital structure ISSUED BONDS OVERVIEW Bond type/ISIN Issue date Currency Nominal (million) Interest type Interest rate First call option Maturity Moody’s rating Tier 2 CZ0003704918 25 Sep 2019 CZK 2,001 Float 5.23% p.a. After 5 years 25 Sep 2029 Baa2 Tier 2 CZ0003705188 30 Jan 2020 CZK 2,601 Float 5.47% p.a. After 5 years 30 Jan 2030 Baa2 Senior Unsecured 2 XS2435601443 3 Feb 2022 EUR 100 Fixed to float 1.625% p.a.1 After 5 years 3 Feb 2028 A3 Senior Unsecured 2 CZ0003707671 15 Dec 2022 CZK 1,500 Fixed 8.00% p.a. After 3 years 15 Dec 2026 n/a Senior Unsecured 2 XS2898794982 11 Sep 2024 EUR 300 Fixed to float 4.414% p.a.1 After 5 years 11 Sep 2030 A3
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65 Deposit market (CZK bn) Commercial deposits (CZK bn) MONETA’s growth was in line with the deposit market and outperformed the market in the commercial segment CZECH DEPOSIT MARKET Note: Source: Market: Czech National Bank ARAD; Deposits include building savings deposits and further deposits of residents only, i.e. excluding non-residents, MONETA: Deposits include residents and non-residents including building savings deposits, excluding CSA and repo operations. Retail deposits (CZK bn) 325.3 2Q 322.7 3Q 324.0 4Q 330.2 1Q 336.5 May 3,562.2 3,599.9 3,659.0 3,695.4 3,734.4 +4.8%/+3.4% 100.6 2Q 98.8 3Q 105.8 4Q 102.6 1Q 105.0 May 3,447.3 3,513.8 3,267.8 3,518.1 3,565.4 +3.4%/+4.4% 2024 2025 2024 2025 2024 2025 425.8 2Q 421.4 3Q 429.8 4Q 432.8 1Q 441.5 May 7,009.5 7,113.6 6,926.7 7,213.5 7,299.9 +4.1%/+3.7% Market MONETA
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66 Lending market – Gross loans (CZK bn) Commercial gross loans (CZK bn) MONETA outperformed the lending market growth in the commercial segment CZECH LENDING MARKET Source: Market: Czech National Bank ARAD; Market gross loans include building savings loans and further residents’ loans only, i.e. excluding non-residents; MONETA: gross loans include residents and non-residents including building savings loans, principal, interests and fees. Retail gross loans (CZK bn) 184.3 2Q 183.5 3Q 185.5 4Q 186.6 1Q 187.2 May 2,203.5 2,237.3 2,277.2 2,309.3 2,339.6 +6.2%/+1.6% 91.3 2Q 91.3 3Q 93.9 4Q 95.2 1Q 98.2 May 1,868.8 1,896.8 1,907.2 1,948.4 1,972.6 +5.6%/+7.6%275.6 2Q 274.8 3Q 279.4 4Q 281.8 1Q 285.4 May 4,072.3 4,134.1 4,184.4 4,257.8 4,312.2 +5.9%/+3.6% Market MONETA 2024 2025 2024 2025 2024 2025
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CZK m 30/06/2024 31/12/20241 30/06/2025 YtD % Change YoY % Change Cash and cash balances at the central bank 9,468 13,541 21,476 58.6% 126.8% Derivative financial instruments with positive fair values 575 596 494 (17.1)% (14.1)% Investment securities 101,967 116,664 123,727 6.1% 21.3% Hedging derivatives with positive fair values 2,669 2,314 2,159 (6.7)% (19.1)% Change in fair value of items hedged on portfolio basis 74 200 207 3.5% 179.7% Loans and receivables to banks 90,581 79,206 64,409 (18.7)% (28.9)% Loans and receivables to customers 271,010 275,383 283,193 2.8% 4.5% Intangible assets 3,285 3,365 3,370 0.1% 2.6% Property and equipment 2,315 2,260 2,361 4.5% 2.0% Investments in associates 4 3 4 33.3% 0.0% Current tax assets 184 70 26 (62.9)% (85.9)% Deferred tax assets 8 0 0 n/a (100.0)% Other assets 1,123 1,380 1,325 (4.0)% 18.0% TOTAL ASSETS 483,263 494,982 502,751 1.6% 4.0% Due to banks 6,427 3,834 4,905 27.9% (23.7)% Due to customers 426,073 430,021 438,265 1.9% 2.9% Derivative financial instruments with negative fair values 528 532 477 (10.3)% (9.7)% Hedging derivatives with negative fair values 3,691 4,259 3,944 (7.4)% 6.9% Change in fair value of items hedged on portfolio basis 66 78 76 (2.6)% 15.2% Issued bonds 3,874 11,562 11,631 0.6% 200.2% Subordinated liabilities 7,591 7,622 7,593 (0.4)% 0.0% Provisions 260 263 265 0.8% 1.9% Current tax liabilities 48 47 71 51.1% 47.9% Deferred tax liabilities 394 469 452 (3.6)% 14.7% Other liabilities 4,003 4,416 5,209 18.0% 30.1% Total Liabilities 452,955 463,103 472,888 2.1% 4.4% Share capital 10,220 10,220 10,220 0.0% 0.0% Statutory reserve 102 102 102 0.0% 0.0% Other reserves 1 1 1 0.0% 0.0% Retained earnings 19,985 21,556 19,540 (9.4)% (2.2)% Total Equity 30,308 31,879 29,863 (6.3)% (1.5)% TOTAL LIABILITIES & EQUITY 483,263 494,982 502,751 1.6% 4.0% 68 Note: (1) Audited. Consolidated statement of financial position FINANCIAL STATEMENTS
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CZK m 30/06/2023 30/09/2023 31/12/20231 31/03/2024 30/06/2024 30/09/2024 31/12/20241 31/03/2025 30/06/2025 Cash and cash balances at the central bank 10,303 13,365 10,871 12,226 9,468 11,816 13,541 18,019 21,476 Derivative financial instruments with positive fair values 652 690 544 560 575 504 596 491 494 Investment securities 80,483 88,056 104,353 103,215 101,967 106,040 116,664 123,081 123,727 Hedging derivatives with positive fair values 3,731 3,991 2,701 2,681 2,669 2,011 2,314 2,096 2,159 Change in fair value of items hedged on portfolio basis (1,147) (989) 122 244 74 864 200 366 207 Loans and receivables to banks 55,109 68,120 69,632 75,327 90,581 89,755 79,206 71,670 64,409 Loans and receivables to customers 268,027 268,987 263,064 266,731 271,010 270,364 275,383 277,742 283,193 Intangible assets 3,280 3,252 3,332 3,323 3,285 3,287 3,365 3,341 3,370 Property and equipment 2,361 2,443 2,400 2,392 2,315 2,236 2,260 2,426 2,361 Investments in associates 4 2 3 3 4 2 3 4 4 Current tax assets 23 33 76 66 184 92 70 15 26 Deferred tax assets 0 0 0 8 8 7 0 0 0 Other assets 1,003 1,113 1,086 1,250 1,123 1,241 1,380 1,484 1,325 TOTAL ASSETS 423,829 449,063 458,184 468,026 483,263 488,219 494,982 500,735 502,751 Due to banks 7,707 7,379 5,423 6,441 6,427 3,740 3,834 4,275 4,905 Due to customers 368,177 393,012 399,497 405,920 426,073 421,621 430,021 433,023 438,265 Derivative financial instruments with negative fair values 631 674 523 516 528 467 532 458 477 Hedging derivatives with negative fair values 1,545 1,502 4,548 4,497 3,691 5,964 4,259 4,825 3,944 Change in fair value of items hedged on portfolio basis (169) (113) 63 81 66 135 78 87 76 Issued bonds 4,909 3,740 3,808 3,856 3,874 11,545 11,562 11,559 11,631 Subordinated liabilities 7,501 7,561 7,604 7,548 7,591 7,568 7,622 7,529 7,593 Provisions 238 308 266 263 260 266 263 275 265 Current tax liabilities 163 146 54 79 48 63 47 76 71 Deferred tax liabilities 408 418 462 357 394 418 469 419 452 Other liabilities 3,238 3,461 3,733 4,979 4,003 4,592 4,416 4,864 5,209 Total Liabilities 394,348 418,088 425,981 434,537 452,955 456,379 463,103 467,390 472,888 Share capital 10,220 10,220 10,220 10,220 10,220 10,220 10,220 10,220 10,220 Statutory reserve 102 102 102 102 102 102 102 102 102 Other reserves 1 1 1 1 1 1 1 1 1 Retained earnings 19,158 20,652 21,880 23,166 19,985 21,517 21,556 23,022 19,540 Total Equity 29,481 30,975 32,203 33,489 30,308 31,840 31,879 33,345 29,863 TOTAL LIABILITIES & EQUITY 423,829 449,063 458,184 468,026 483,263 488,219 494,982 500,735 502,751 69 Note: (1) Audited. Consolidated statement of financial position – quarterly development FINANCIAL STATEMENTS
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CZK m 1H 2024 1H 2025 % Change Interest and similar income 11,715 9,866 (15.8%) Interest expense and similar charges (7,530) (5,108) (32.2%) Net interest income 4,185 4,758 13.7% Fee and commission income 1,798 1,896 5.5% Fee and commission expense (306) (230) (24.8%) Net fee and commission income 1,492 1,666 11.7% Dividend income 0 0 n/a Net income from financial operations 514 314 (38.9%) Other operating income 31 52 67.7% Total operating income 6,222 6,790 9.1% Personnel expenses (1,245) (1,233) (1.0%) Administrative expenses (735) (823) 12.0% Depreciation and amortisation (604) (585) (3.1%) Regulatory charges (216) (195) (9.7%) Other operating expenses (39) (37) (5.1%) Total operating expenses (2,839) (2,873) 1.2% Profit for the period before tax and net impairment of financial assets 3,383 3,917 15.8% Net impairment of financial assets (237) (268) 13.1% Profit for the period before tax 3,146 3,649 16.0% Taxes on income (442) (555) 25.6% Profit for the period after tax 2,704 3,094 14.4% Total comprehensive income attributable to the equity holders 2,704 3,094 14.4% 70 Consolidated statement of profit or loss and other comprehensive income FINANCIAL STATEMENTS
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CZK m 2Q 2023 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 Interest and similar income 5,374 5,769 6,048 5,964 5,751 5,345 5,147 4,911 4,955 Interest expense and similar charges (3,207) (3,571) (3,867) (3,889) (3,641) (3,040) (2,718) (2,574) (2,534) Net interest income 2,167 2,198 2,181 2,075 2,110 2,305 2,429 2,337 2,421 Fee and commission income 799 836 822 881 917 919 1,008 959 937 Fee and commission expense (136) (154) (159) (141) (165) (165) (194) (111) (119) Net fee and commission income 663 682 663 740 752 754 814 848 818 Dividend income 0 1 1 0 0 0 0 0 0 Net income from financial operations 188 278 240 285 229 164 182 168 146 Other operating income 10 21 10 17 14 22 19 25 27 Total operating income 3,028 3,180 3,095 3,117 3,105 3,245 3,444 3,378 3,412 Personnel expenses (595) (593) (738) (620) (625) (632) (787) (609) (624) Administrative expenses (415) (367) (486) (330) (405) (380) (437) (380) (443) Depreciation and amortisation (312) (304) (294) (301) (303) (307) (314) (293) (292) Regulatory charges (40) 0 0 (228) 12 0 0 (195) 0 Other operating expenses (10) (12) (19) (7) (32) (11) (15) (21) (16) Total operating expenses (1,372) (1,276) (1,537) (1,486) (1,353) (1,330) (1,553) (1,498) (1,375) Profit for the period before tax and net impairment of financial assets 1,656 1,904 1,558 1,631 1,752 1,915 1,891 1,880 2,037 Net impairment of financial assets (146) (142) (133) (135) (102) (114) (35) (151) (117) Profit for the period before tax 1,510 1,762 1,425 1,496 1,650 1,801 1,856 1,729 1,920 Taxes on income (247) (268) (197) (210) (232) (269) (284) (263) (292) Profit for the period after tax 1,263 1,494 1,228 1,286 1,418 1,532 1,572 1,466 1,628 Total comprehensive income attributable to the equity holders 1,263 1,494 1,228 1,286 1,418 1,532 1,572 1,466 1,628 71 Consolidated statement of profit or loss and other comprehensive income - quarterly development FINANCIAL STATEMENTS
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Profitability 1H 2024 FY 2024 1H 2025 YtD Change in pp YoY Change in pp Yield 4.9% 4.9% 4.8% (0.1) (0.1) Cost of funds1 3.42% 2.99% 2.22% (0.77) (1.20) Cost of funds on customer deposits (% avg deposits) 3.38% 2.93% 2.08% (0.85) (1.30) NIM (% avg int earning assets) 2,3,4 1.8% 1.9% 1.9% 0.0 0.1 Cost of risk (% avg net customer loans) 0.18% 0.14% 0.19% 0.05 0.01 Risk-adj. yield (% avg net customer loans) 4.7% 4.8% 4.6% (0.2) (0.1) Net fee & commission income / Operating income 24.0% 23.7% 24.5% 0.8 0.5 Net non-interest income / Operating income 32.7% 30.9% 29.9% (1.0) (2.8) Cost to income ratio 45.6% 44.3% 42.3% (2.0) (3.3) RoTE 20.0% 20.4% 23.4% 3.0 3.4 RoE 17.8% 18.2% 20.7% 2.5 2.9 RoAA2 1.1% 1.2% 1.2% 0.0 0.1 Liquidity / Leverage Loan to deposit ratio 63.6% 64.1% 64.6% 0.5 1.0 Total equity / Total assets 6.3% 6.4% 5.9% (0.5) (0.4) High-quality liquid assets / Customer deposits 41.9% 43.5% 40.9% (2.6) (1.0) Liquidity coverage ratio 339.5% 357.2% 339.0% (18.2) (0.5) Capital Adequacy RWA density 35.4% 35.0% 33.3% (1.7) (2.1) Total CAR 19.4% 18.2% 18.5% 0.3 (0.9) Tier 1 ratio 15.4% 14.5% 15.0% 0.5 (0.4) Asset Quality Non-performing loan ratio 1.4% 1.3% 1.2% (0.1) (0.2) Core non-performing loan coverage 47.2% 39.5% 40.7% 1.2 (6.5) Total NPL coverage 116.1% 113.6% 113.7% 0.1 (2.4) Loan to value ratio5 57.5% 53.4% 52.5% (0.9) (5.0) Loan to value ratio on new volumes (weighted average) 59.9% 56.9% 55.4% (1.5) (4.5) Operating platform Branch network 134 124 122 (1.6)% (9.0)% Own & shared ATMs6 1,978 1,966 1,948 (0.9)% (1.5)% Total employees7 2,512 2,516 2,461 (2.2)% (2.0)% 72 Note: (1) Deposits include issued bonds and exclude opportunistic repo transactions and CSA; (2) Including opportunistic repooperations; (3) Interest earning assets include encumbered assets; (4) Hedging derivatives are excluded from the calculation of interest earning assets; (5) On performing retail mortgage loans only; (6) ATM network including MONETA ATMs, Komerční banka ATMs, Air Bank ATMs and UniCredit Bank ATMs; (7) Average FTEs in the reported period, excluding members of the Supervisory Board and the Audit Committee. Key performance ratios FINANCIAL STATEMENTS
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Profitability 2Q 2023 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 Yield 4.6% 4.7% 4.9% 4.9% 4.9% 4.9% 4.9% 4.8% 4.8% Cost of Funds1 3.21% 3.42% 3.58% 3.60% 3.29% 2.70% 2.37% 2.24% 2.19% Cost of Funds on Customer Deposits (% Avg Deposits) 3.19% 3.39% 3.55% 3.58% 3.24% 2.63% 2.25% 2.11% 2.06% NIM (% Avg Int Earning Assets) 2,3,4 2.1% 2.1% 2.0% 1.8% 1.8% 1.9% 2.0% 1.9% 1.9% Cost of Risk (% Avg Net Customer Loans) 0.22% 0.21% 0.20% 0.20% 0.15% 0.17% 0.05% 0.22% 0.17% Risk-adj. Yield (% Avg Net Customer Loans) 4.4% 4.5% 4.7% 4.7% 4.8% 4.7% 4.8% 4.6% 4.7% Net Fee & Commission Income / Operating Income 21.9% 21.4% 21.4% 23.7% 24.2% 23.2% 23.6% 25.1% 24.0% Net Non-Interest Income / Operating Income 28.4% 30.9% 29.5% 33.4% 32.0% 29.0% 29.5% 30.8% 29.0% Cost to Income Ratio 45.3% 40.1% 49.7% 47.7% 43.6% 41.0% 45.1% 44.3% 40.3% RoTE 19.3% 21.6% 17.0% 17.1% 21.0% 21.5% 22.1% 19.5% 24.6% RoE 17.1% 19.3% 15.3% 15.4% 18.7% 19.2% 19.7% 17.6% 21.8% RoAA2 1.2% 1.4% 1.1% 1.1% 1.2% 1.3% 1.3% 1.2% 1.3% Liquidity / Leverage Loan to Deposit ratio 72.9% 68.5% 65.9% 65.8% 63.6% 64.2% 64.1% 64.2% 64.6% Total Equity / Total Assets 7.0% 6.9% 7.0% 7.2% 6.3% 6.5% 6.4% 6.7% 5.9% High-Quality Liquid Assets / Customer Deposits 32.7% 36.3% 40.0% 40.5% 41.9% 43.5% 43.5% 41.9% 40.9% Liquidity Coverage Ratio 284.8% 312.1% 354.4% 359.5% 339.5% 340.1% 357.2% 366.6% 339.0% Capital Adequacy RWA density 39.9% 37.6% 36.4% 36.3% 35.4% 35.6% 35.0% 32.7% 33.3% Total CAR 19.7% 19.9% 20.1% 19.6% 19.4% 19.2% 18.2% 19.1% 18.5% Tier 1 Ratio 15.4% 15.5% 15.7% 15.4% 15.4% 15.3% 14.5% 15.3% 15.0% Asset Quality Non-Performing Loan Ratio 1.3% 1.3% 1.4% 1.4% 1.4% 1.4% 1.3% 1.3% 1.2% Core Non-Performing Loan Coverage 49.7% 48.2% 47.9% 46.6% 47.2% 46.4% 39.5% 39.7% 40.7% Total NPL Coverage 133.4% 130.8% 121.6% 118.5% 116.1% 112.0% 113.6% 111.1% 113.7% Loan to value ratio 5 59.8% 59.5% 58.8% 57.8% 57.5% 56.1% 53.4% 53.3% 52.5% Loan to value ratio on new volumes (weighted average) 60.0% 57.2% 57.8% 59.5% 60.3% 56.0% 54.1% 53.5% 56.9% Operating platform Branch network 140 140 134 134 134 134 124 124 122 Own & shared ATMs6 2,058 2,009 1,971 1,976 1,978 1,981 1,966 1,936 1,948 Total employees7 2,527 2,528 2,533 2,508 2,517 2,516 2,524 2,453 2,470 73 Note: (1) Deposits include issued bonds and exclude opportunistic repo operations and CSA. Data restated in 2Q 2024 and 3Q 2024; (2) Including opportunistic repo operations; (3) Interest earning assets include encumbered assets; (4) Hedging derivatives are excluded from the calculation of interest earning assets; (5) On performing retail mortgage loans only; (6) ATM network including MONETA ATMs, Komerční banka ATMs, Air Bank ATMs and UniCredit Bank ATMs; (7) Average FTEs in the reported quarter, excluding members of the Supervisory Board and the Audit Committee. Key performance ratios – quarterly development FINANCIAL STATEMENTS
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Events with Investors Net Profit Evolution 2020 - 2029 Distributed Dividends and Total Shareholder Return Capital Requirements Issued Bonds Overview Deposit and Lending Market Financial Statements & Key Performance Ratios Glossary of Terms • • • • • • • • Appendix
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Adjusted cost to income ratio Ratio (expressed as a percentage) of total operating expenses for the period (where contribution to regulatory charges equally spread into four quarters) to total operating income for the period Annual premium equivalent Annual premium equivalent is an equivalent of twelve months written premium on all contracts originated during the period. Annualised Adjusted so as to reflect the relevant rate on the full-year basis ARAD ARAD is a public database that is part of the information service of the Czech National Bank. It is a uniform system of presenting time series of aggregated data for individual statistics and financial market areas Auto MONETA Auto, s.r.o. Average balance of net interest earning assets Two-point average of the beginning and ending balances of Net Interest Earning Assets for the period Average balance of net loans to customers Average of the beginning and ending balances of Loans and receivables to customers for the period Average balance of total assets Two-point average of the beginning and ending balances of Total Assets for the period Bank MONETA Money Bank, a.s. bn Billions bps Basis points Building savings/Building savings deposits Saving product, typical for building savings banks. The Bank undertakes clients’ deposits determined for housing financing. This act is supported by a financial contribution from the state. CAR / Capital Adequacy Ratio Ratio calculated as regulatory capital as a percentage of risk-weighted assets CET1 ratio CET 1 capital as a percentage of RWA (calculated pursuant to CRR) CNB Czech National Bank Consumer loans Includes unsecured consumer loans without housing loans Cost Base / OPEX Total operating expenses Cost of Funds (% Avg Deposits) Interest expense and similar charges for the period (excl. deposit interest rate swaps and opportunistic repo interest expenses) divided by the average balance of Due to banks, Due to customers and issued bonds and subordinated liabilities, excl. opportunistic repo operations and CSA 75 GLOSSARY 1/3 Cost of Funds on Customer Deposits (% Avg Deposits) Interest expense and similar charges on customer deposits for the period divided by the average balance of customer deposits CoR or cost of risk or cost of risk (% Avg Net Customer Loans) Net impairment of financial assets divided by the average balance of net loans to customers since 2018 based on IFRS 9. If cost of risk is shown in CZK, then it corresponds to “Net impairment of financial assets“ Cost to income ratio (C/I) Ratio (expressed as a percentage) of total operating expenses for the period to total operating income for the period CRR Regulation (EU) No. 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No. 648/2012, as amended CSA Credit Support Annex is a legal document which regulates credit support (collateral) for derivative transactions Customer deposits Due to customers excluding repo operations, subordinated liabilities and CSA CZSO Czech Statistical Office ETR / Effective Tax Rate Effective Tax Rate – calculated as taxes on income divided by profit for the period before tax Expected credit loss model The impairment model that measures credit loss allowances using a three-stage approach based on the extent of credit deterioration of financial assets since origination; Stage 1 – financial assets with no significant increase in credit risk since initial recognition, Stage 2 - financial assets with significant increase in credit risk since initial recognition but not in default, Stage 3 – financial assets in default FTE Figure states full-time equivalents in the last month of the quarter FVTOCI Financial assets measured at Fair Value Through Other Comprehensive Income FVTPL Financial assets measured at Fair Value Through Profit or Loss Funding Base Sum of Due to customers, Due to Banks, Issued Bonds and subordinated liabilities and excluding opportunistic repo operations and CSA FY Financial year GDP Gross domestic product Gross performing loans Performing loans and receivables to customers as determined in accordance with MONETA’s loan receivables categorisation rules (Standard, Watch)
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New volume / New production Aggregate of loan principal disbursed in the period for non-revolving loans New volume yield / New production yield Instalment products: model output of yield expected to be generated on newly originated loans based on inputs combining actual contractual terms and expected behaviour of the loan for the specific type of loan product. Revolving products (credit cards and working capital): weighted average of contractual rate on newly originated loans (credit limit) NPL / Non-performing loans Non-performing loans as determined in accordance with the MONETA´s loan receivables categorisation rules (substandard, doubtful, loss), Stage 3 according to IFRS 9 NPL Ratio Ratio (expressed as a percentage) of NPL to gross loans and receivables to customers NPL Coverage / Coverage / Total NPL Coverage Ratio (expressed as a percentage) of loss allowances for loans and advances to customers to NPL Operating profit Operating profit represents profit for the period before tax and Cost of Risk Opportunistic repo operations Repo transactions with counterparties which are closed on a back-to-back basis by reverse repo transactions with the CNB POCI POCI means purchased or originated financial asset(s) Portfolio yield Please refer to the definition of yield pp Percentage points Q Quarter QtD Quarter-to-date QtQ Quarter-to-quarter Regulatory Capital Consists of Tier 1 and Tier 2 capital (according to CRR regulation) Retail clients Clients/individuals who have their product signed using their personal identification number Return on Tangible Equity or RoTE Return on tangible equity calculated as annualised profit after tax for the period divided by tangible equity Return on Average Assets or RoAA Return on average assets calculated as annualised profit after tax for the period divided by the average balance of total assets Return on Equity or RoE Return on equity calculated as annualised profit after tax for the period divided by total equity RWA Risk-Weighted Assets calculated pursuant to CRR Gross written premium Gross written premium is the sum of all monthly premiums collected during the period Group The Bank and its subsidiaries High-quality liquid assets / HQLA According to Basel III regulation, assets that are easily and immediately convertible into cash at little or no loss of value. MONETA considers as HQLA its cash balances, balances held in the central bank and Czech government bonds Housing loans Includes unsecured housing loan provided by MONETA Money Bank and the housing loans provided by MONETA Stavební Spořitelna IDD Insurance Distribution Directive IFRS International Financial Reporting Standards Investment securities Equity and debt securities in the Group´s portfolio; consist of securities measured at amortised cost, fair value through other comprehensive income (FVTOCI) and fair value through profit or loss (FVTPL) k/ths Thousands Leasing MONETA Leasing, s.r.o. LCR/Liquidity Coverage Ratio Liquidity Coverage Ratio measures the ratio (expressed as a percentage) of MONETA’s buffer of high-quality liquid assets to its projected net liquidity outflows over a 30-day stress period, as calculated in accordance with EU Regulation 2015/61 Loan loss provision coverage Ratio (expressed as a percentage) of loss allowances for loans and receivables to customers to total gross loan portfolio balance Loan portfolio Gross performing loan portfolio LtD ratio or Loan to Deposit ratio Loan to deposit ratio calculated as net loans and receivables to customers divided by customer deposits, excluding subordinated liabilities, CSA and repos M / m Millions Management overlay Increment to the expected credit loss estimate which compensates for insufficient sensitivity of the core IFRS 9 model to specific macroeconomic conditions MONETA MONETA has the same meaning as the Group MREL Minimum Requirement of Own Funds and Eligible Liabilities MSS MONETA Stavební Spořitelna, a.s. (formerly Wüstenrot – stavební spořitelna, a.s.) Net Income/Net Profit Profit for the period after tax Net Interest Earning Assets Cash and cash balances at the central bank, investment securities, loans and receivables to banks, loans and receivables to customers and prior to the transition to IFRS 9 also financial assets at fair value through profit or loss, financial assets available for sale, financial assets held to maturity Net Interest Margin or NIM Net interest and similar income divided by the average balance of net interest earning assets Net Non-Interest Income Total operating income less net interest and similar income for the period 76 GLOSSARY 2/3
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77 GLOSSARY 3/3 RWA density Calculates the weighted average risk weight for the entire banking and trading book (incl. Off-balance & On-balance sheet), plus considering also Operational Risk, Market Risk and Counterparty Credit Risk RWA. It is defined as the Leverage Ratio to the Tier 1 Adequacy Ratio RWA portfolio density Calculates the weighted average risk weight of the loan portfolio only (incl. Off-balance & On-balance sheet) considering credit conversion factor effects per unit of exposure (zero credit conversion factors are substituted by 10%). It is defined as the ratio of RWA to the Net Financing Receivables, i.e. utilising Specific Credit Risk Adjustments Small Business clients Clients or enterprises under their company identification number with an annual turnover of up to CZK 60 million Small Business loan portfolio Loans and receivables of unsecured instalment loans, commercial credit cards and unsecured overdrafts provided to an enterprise with an annual turnover of up to CZK 60 million SME / SME clients Clients or enterprises under their company identification number with an annual turnover above CZK 60 million SREP Supervisory Review and Evaluation Process, when the supervisor regularly assesses and measures the risks for each bank Stage 1, Stage 2, Stage 3 Stage 1 – financial assets with no significant increase in credit risk since initial recognition, Stage 2 - financial assets with significant increase in credit risk since initial recognition but not in default, Stage 3 – financial assets in default Tangible Equity Calculated as total equity less intangible assets and goodwill Tier 1 Capital The aggregate of Common equity tier 1 (CET1 Capital) and Additional Tier 1 which mainly consists of capital instruments and other items (including certain unsecured subordinated debt instruments without a maturity date) provided in Art. 51 of CRR Tier 1 Capital Ratio Tier 1 Capital as a percentage of risk-weighted assets Tier 2 Capital, T2 Regulatory Capital which consists of capital instruments, subordinated loans and other items (including certain unsecured subordinated debt obligations with payment restrictions) provided in Art. 62 of CRR Total Shareholder Return/TSR Total Shareholder Return based on the Bloomberg methodology including reinvested dividend Wealth management Distributed wealth management products Wholesale funding Includes Issued bonds and Subordinated liabilities and Due to banks balances (excl. opportunistic repo operations and CSA). Y Year Yield (% Avg. Net Customer Loans) Interest and similar income from loans to customers divided by the average balance of net loans to customers YoY Year-on-year YtD Year to date
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78 Disclaimer and other information • THIS PRESENTATION IS NOT AN OFFER OR A SOLICITATION OF OFFERS TO SELL, PURCHASE OR SUBSCRIBE FOR SHARES OF MONETA MONEY BANK, A.S. (THE “COMPANY”), OTHER SECURITIES OR OTHER FINANCIAL INSTRUMENTS. • Copies of this presentation may not be sent to countries, or distributed in or sent from countries, in which this is barred or prohibited by law. Persons into whose possession this presentation comes should inform themselves about and observe all such restrictions. Any failure to comply with these restrictions may constitute a violation of the laws of any such jurisdiction. This document does not constitute a recommendation regarding any securities. • The Company is under no obligation to update or keep current the information contained in this presentation, to correct any inaccuracies which may become apparent, or to publicly announce the result of any revision to the statements made herein, except to the extent it would be required to do so under applicable law or regulation. • Certain industry and market information in this presentation has been obtained by the Company from third-party sources. The Company has not independently verified such information and neither the Company nor any of its representatives provide any assurance as to and shall not be liable in any respect whatsoever (whether in negligence or otherwise) for the correctness, accuracy, fairness or completeness of such information or opinions contained in this presentation. • The Company was rated A2 with a stable outlook by Moody’s Deutschland GmbH (“Moody’s”). Moody’s was established in the European Union and is registered under Regulation (EC) No. 1060/2009, as amended (the “CRA Regulation”). As such, Moody’s is included in the list of credit rating agencies published by the European Securities and Markets Authority on its website (https://www.esma.europa.eu/supervision/credit-rating-agencies/risk) in accordance with the CRA Regulation. When selecting the rating agency, the Company proceeded in accordance with the obligations laid down in Article 8d of the CRA Regulation. • Figures in charts and tables may not add up due to rounding differences. Forward-looking statements • This presentation and subsequent discussion may contain projections, estimates, forecasts, targets, opinions, prospects, results, returns and forward-looking statements with respect to the management’s medium-term guidance, profitability, costs, assets, capital position, financial condition, results of operations, dividend and business of the Group (together, “forward-looking statements”). The forward-looking statements assume purely organic growth without regard to any potential acquisition. • Any forward-looking statements involve material assumptions and subjective judgements which may or may not prove to be correct and there can be no assurance that any of the matters set out in forward-looking statements will actually occur or will be realised or that such matters are complete or accurate. The assumptions may prove to be incorrect and involve known and unknown risks, uncertainties, contingencies and other important factors, many of which are outside the control of the Group. Actual achievements, results, performance or other future events or conditions may differ materially from those stated, implied and/or reflected in any forward-looking statements due to a variety of risks, uncertainties and other factors. Any forward-looking statement contained in this presentation is made as of the date of this presentation. MONETA Money Bank, a.s. does not assume, and hereby disclaims, any obligation or duty to update forward-looking statements if circumstances or management’s assumptions, beliefs, expectations or opinions should change, unless it would be required to do so under applicable law or regulation. For these reasons, recipients should not place reliance on, and are cautioned about relying on, any forward-looking statements. Material assumptions for forward-looking statements • See slide “Material assumptions for medium-term guidance” on pages 50 and 51.
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79 Contacts INVESTOR RELATIONS MONETA Money Bank, a.s. BB Centrum, Vyskočilova 1442/1b 140 28 Praha 4 – Michle Tel: +420 224 442 549 i nvestors@moneta.cz www.moneta.cz Identification number: 25672720 Bloomberg: MONET CP ISIN: CZ0008040318 Reuters: MONET.PR SEDOL: BD3CQ16 Linda Kavanová Jarmila Valentová Dana Laštovková