Slides
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3Q 2025 Results Published on 23 October 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 1-3Q 2024. (1) Gross performing portfolio. • Operating income of CZK 10.3 billion (+9.1%) driven by growth in both net interest income (+11.6%) and net fee and commission income (+12.4%) • Operating expenses kept stable at CZK 4.2 billion (+0.9%), resulting in a cost to income ratio of 40.7% • Net profit of CZK 4.9 billion (+15.7%) on track to meet and potentially outperform market guidance by CZK 300-400 million • Total balance sheet reached CZK 499 billion (+2.3%), supported by the expansion of the funding base (+3.1%) and loan portfolio growth (+6.3%) 1-3Q 2025 Key highlights 2 (in CZK) 4.9bn Net profit 4.2bn Operating expenses 10.3bn Operating income 288bn Loan portfolio 1 458bn Funding base 499bn Total assets +9.1% stable +3.1%+2.3% +6.3% +15.7%
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Note: The percentage and percentage points represent the year-on-year change. MREL ratio calculated on an individual basis, other ratios calculated on a consolidated basis. (1) Before dividend payment in the amount of CZK 2 billion; (2) Capital management target of 12.5% as at 30 September 2025; (3) Subject to corporate, regulatory and regulator´s limitations and shareholders’ approval at the General Meeting to be held on 14 November 2025. • Capital adequacy ratio at 20.0%, well above the management target of 15.25% • Tier 1 ratio at 15.2% with an excess of CZK 4.5 billion or 2.7pp above the capital management target1,2 • The interim dividend proposal of CZK 4.0 per share (CZK 2.0 billion)3 to be voted on by shareholders on 14 November 2025 • Capital structure optimised by issuance of a Tier 2 instrument in the amount of EUR 100 million 1-3Q 2025 Key highlights 3 (in CZK) 100m 29.3% Tier 2 bond issuance (EUR) Interim dividend per share3 Tier 1 Ratio 1,2 Tier 1 excess 1,2 4.0 MREL ratioTotal 2.0bn Excess 6.9pp 20.0% Capital adequacy ratio Excess 4.7pp 15.2% Excess 2.7pp 4.5bn Excess 2.7pp Issuance 9 September
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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 Shareholder Meeting Appendix 01 02 03 04 05 06 07 08 09 10 Content Branch office: Praha - Anděl
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5 GDP evolution1 (CZK bn) Unemployment rate: ECB, Czech Statistical Office3 Government debt in % of GDP at current prices2 Czech economy grew by 2.6%; unemployment remains low and stable; the 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 – 2Q 2024: CZK 2,001bn, 3Q 2024: CZK 2,027bn, 4Q 2024: CZK 2,051bn, 1Q 2025: CZK 2,084bn, 2Q 2025: CZK 2,122bn; GDP Y/Y % change: 2Q 2024–2Q 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: 1.2% 2025F: 2.6% 1,594 1,612 1,634 1,511 1,631 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 GDP at constant prices 419.7 360.4 288.5 271.4 241.0 2021 2022 2023 2024 2025F CZK (153.9)bn as at Sep’2025 0.5% 1.5% 1.9% 2.4% 2.6% 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 6.4 6.3 6.2 6.4 6.4 2.5 2.6 2.5 2.6 2.7 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 EURO area - 20 countries Czech Republic
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6 Inflation and consumer price index1 (year-over-year % change) Contribution to inflation by item1 Two-week repo rate (end of period) Declining inflation, currently at 2.3%, the two-week repo rate remained unchanged at 3.50%, the market yield curve stabilised 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 2.3%2.3% 6.6% 6.9% Dec’2024 % contribution Sep’2025 % contribution Sep’2025 Y/Y price change % Food and beverages 0.7 0.8 2.9 Clothing and footwear 0.0 (0.1) (1.7) Housing, energy 1.1 0.6 1.9 Health 0.1 0.1 3.1 Transport, telecommunication 0.1 0.0 0.3 Recreation, culture, education 0.4 0.4 4.1 Restaurants and hotels 0.4 0.3 4.8 Other 0.2 0.2 2.9 Total 3.0 2.3 2.3 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 2.6% 09/2025 4.25% 09/2024 4.00% 11/2024 3.75% 02/2025 3.50% 05/2025 3.50% 09/2025 2% the CNB inflation target % % % % 3.0% 4.0% 5.0% 1D 1W 2W 1M 3M 6M 12M 2Y 3Y 4Y 5Y 6Y 7Y 8Y 9Y 10Y 12Y 15Y 20Y 30Y 30/09/2025 31/12/2024 30/09/2024
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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 Shareholder Meeting Appendix 01 02 03 04 05 06 07 08 09 10 Content Branch office: Karlovy Vary
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Note: Numbers as at 30 September 2025. The percentage represents the year-on-year change. (1) Out of which 801 ATMs have a deposit function (41%); (2) Average FTEs in 1-3Q 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 8 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 2,465 (1.9)% 122 1,316 (4.5)% 1,149 1.6m +0.5% +1.3% (9.0)% 1,942 (2.0)%
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Note: Payment transactions, servicing transactions and sales transactions during 1-3Q 2025. All numbers in units. The percentage represents the year-on-year change. (1) Digital platform users include clients and authorised signatories, a 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 has become the most popular platform for clients’ daily banking Digital platform 9 Sales transactions Loan applications Digital platform users 1 Payment transactions Average daily visits Servicing transactions 17.0m +0.2% 58.4m +8.6% 716ths 257ths (3.1)% 363ths 1.6m +9.2% +4.9% +5.8%
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Note: Number of specialists represents average FTEs in 1-3Q 2025. Visits, distribution of 3rd party products and loan applications during 1-3Q 2025. NPS for 3Q 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 September 2025; (2) Includes retail, SME and small business bankers; (3) 3Q 2025 retail client NPS = Net promoter score is the difference between the % ofpromoters 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 insurance and wealth management. continues to play an important role in product distribution and client service. The network is organised into six distinct front-office units: • Retail banking (768 specialists (7.3)% YoY) • Wealth management distribution (64 specialists +21.3% YoY) • Mortgage distribution (26 specialists +11.7% YoY) • Small business banking (142 specialists (2.4)% YoY) • SME banking (120 specialists (3.1)% YoY) • Structured finance for corporate clients (8 specialists (1.3)% YoY) Branch network 10 Number of staff at branches2 Distribution of 3rd party products5 Client satisfaction NPS 3 Branch visits 4 123ths (10.4)% 1,053 (5.8)% 88 617ths (17.2)% Number of branches 1 122 (9.0)% +7.3% Loan applications 354ths (7.2)%
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Note: Average number of FTEs in 1-3Q 2025, NPS for 3Q 2025, other data cumulative during 1-3Q 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) 3Q 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 11 Number of staff Email communication 4 Client satisfaction NPS 2 Percentage of answered calls 3 107ths (16.3)% 220 +10.6% 71 94.5% stable Inbound traffic 1 580ths (4.6)% Insurance sales income – CZK 5 127m +13.6% (2.3)%
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Note: Withdrawals, deposits and service transactions on MONETA’s ATMs in a number of units during 1-3Q 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 12 Deposit ATMs in shared network Own ATM deposits Own ATM network Own ATM withdrawals 1.7m +20.5% 801 562 10.3m (7.7)% Own & shared ATM network 1,942 ATM service transactions 2.3m +6.6% (2.1)%(2.0)% 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 Shareholder Meeting Appendix 01 02 03 04 05 06 07 08 09 10 Content Branch office: Havířov
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Net profit supported by continued operating income growth, stable cost base and benign cost of risk PROFIT AND LOSS STATEMENT Cost base remained stable. Cost to income ratio at 40.7%, compared to 44.0% for 1-3Q 2024 Net interest income growth driven by higher lending income and lower deposit expense (NIM improved to 2.0%, compared to 1.9% in 1-3Q 2024) Net fee and commission income growth driven by the distribution of wealth management products (+24.7% or CZK 126 million YoY) and 23.8% lower fee expenses Cost of risk of CZK 342 million or 16bps PROFIT AND LOSS (CZK m) 1-3Q 2024 1-3Q 2025 CHANGE YoY Net interest income 6,490 7,245 11.6% Net fee and commission income 2,246 2,525 12.4% Other income 731 555 (24.1)% OPERATING INCOME 9,467 10,325 9.1% Operating expenses (4,169) (4,205) 0.9% OPERATING PROFIT 5,298 6,120 15.5% Cost of risk (351) (342) (2.6)% PROFIT BEFORE TAX 4,947 5,778 16.8% Income tax (711) (878) 23.5% NET PROFIT 4,236 4,900 15.7% Earnings per share 8.3 9.6 15.7% Return on Tangible Equity 19.8% 23.1% 3.3pp Effective tax rate 14.4% 15.2% 0.8pp Net profit of CZK 4.9 billion, up by 15.7% with RoTE at 23.1%, due to revenue growth, stable cost base and cost of risk 14 Other income impacted by lower FX derivative result and absence of bond sale gain realised in 1Q 2024
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20252024 15 Net interest income (CZK m) Interest expense on customer deposits (CZK m) Interest income on loans (CZK m, YoY absolute change) Net interest income growth is mainly supported by lending income, while treasury income decline is offset by lower cost of funding 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) 3Q’24 4Q’24 1Q’25 2Q’25 3Q’25 3,310 3,333 3,344 3,423 3,444 134 1,779 1,491 1,266 1,241 1,150 3Q’24 4Q’24 1Q’25 2Q’25 3Q’25 (629) (2,784) (2,395) (2,273) (2,243) (2,107) 4Q’24 3Q’252Q’253Q’24 1Q’25 2,305 2,429 2,337 2,421 2,487 3Q 4Q 1Q 2Q 3Q +7.9% +2.7% +677
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16 Net fee and commission income (CZK m) Fee expense (CZK m) Third-party commission income (CZK m) Solid performance across all fee categories contributed to an overall positive result in net fee and commission income FEE AND COMMISSION INCOME & EXPENSE Fee income (CZK m) (165) (194) (111) (119) (129) 289 323 296 285 283 179 226 219 189 231 3Q’24 4Q’24 1Q’25 2Q’25 3Q’25 468 549 515 474 514 365 376 347 376 376 86 3Q’24 83 4Q’24 97 1Q’25 87 2Q’25 98 3Q’25 451 459 444 463 474 Wealth mngt +29.1% YoY Insurance (2.1)% YoY 754 814 848 818 859 3Q 4Q 1Q 2Q 3Q +13.9% +5.0% 4Q’24 3Q’252Q’253Q’24 1Q’25 Penalty +14.0% YoY Transactional & Servicing +3.0% YoY Fee expense (21.8)% YoY 20252024
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17 Commissions from wealth management products distribution (CZK m) Outstanding amount of distributed wealth management products (CZK m) Wealth management products expanded by 35% and supported a 25% growth in commissions DISTRIBUTION OF WEALTH MANAGEMENT PRODUCTS Note: Number of licensed staff and wealth management specialists as at 30 September of the relevant year. Number of licensed staff for the retail segment. 54,358 73,161 30/09/2024 30/09/2025 +34.6% 513 639 1-3Q 2024 1-3Q 2025 +24.7% 1-3Q 2024 1-3Q 2025 Change Number of licensed staff (MiFiD) 550 534 (2.9)% Wealth management specialists 52 67 28.8% Distributed volume (CZK m) 17,177 16,250 (5.4)% Attrition (% avg balance, p.a.) 11.0% 10.4% (0.6)pp Opening fee (CZK m) 206 236 +14.8% Trailer fee (CZK m) 307 403 +31.3%
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18 Commissions from insurance product distribution – recurrent income (CZK m) Commissions from insurance product distribution – one-offs (CZK m) Recurrent insurance income remained stable, while reported income is lower due to positive one-offs in 3Q 2024 YtD INSURANCE PRODUCT DISTRIBUTION Note: (1) As at 30 September of the relevant year. Number of sold insurance products (in units) 1-3Q 2024 1-3Q 2025 Change Number of licensed staff (IDD)1 681 639 (6.2)% Payment protection insurance Gross written premium (CZK m) 563 600 +6.6% Commissions earned (CZK m) 314 323 +2.8% Life insurance Annual premium equivalent (CZK m) 127 131 +3.3% Commissions earned (CZK m) 243 224 (7.8)% Pension insurance Units sold (ths) 25 21 (16.3)% Commissions earned (CZK m) 65 60 (8.5)% Other insurance products Commissions earned (CZK m) 278 257 (7.3)% 861 864 1-3Q 2024 1-3Q 2025 +0.3% 39 1-3Q 2024 1-3Q 2025 0 148,199 143,503 1-3Q 2024 1-3Q 2025 (3.2)%
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19 • 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 8.1% or CZK 94 million, mainly due to higher IT expenses • Personnel expenses stable due to employment base reduction by 1.9% to 2,465 FTEs1 • Cost to income ratio decreased by 3.3pp to 40.7% Note: Regulatory charges include mandatory contributions to Deposit Insurance, Resolution and Investor Compensation Funds; (1) Average FTEs in 1-3Q 2025. Cost discipline visible across most categories, with cost base growth maintained at 0.9% OPERATING EXPENSES Operating expenses (CZK m) Key highlights 1,877 1,877 1,165 1,259 911 874 1-3Q 2024 1-3Q 2025 4,169 4,205 216 195 +0.9% Admin & Other +8.1% YoY Regulatory charges (9.7)%YoY Personnel 0.0% YoY Depreciation and amortisation (4.1)% 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 Shareholder Meeting Appendix 01 02 03 04 05 06 07 08 09 10 Content Branch office: Brno
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21 Loan portfolio (CZK bn) Loan portfolio yield (average) Funding base (CZK bn) KEY BALANCE SHEET METRICS Note: Loan portfolio = gross performing receivables. Cost of funding (average) 3Q 2024 4Q 2024 3Q 2025 4.89% 4.89% 4.83% (0.06)pp 3Q 2024 4Q 2024 3Q 2025 2.70% 2.37% 2.08% (0.62)pp 270.8 275.9 287.8 30/09/2024 31/12/2024 30/09/2025 +6.3% +4.3% 444.0 452.4 458.0 30/09/2024 31/12/2024 30/09/2025 +3.1% +1.2% Loan growth continued, supported by a broadly stable funding base despite a continued decline in the cost of funding
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22 Notes: (1) Including reverse repo operations with the CNB; (2) Including CSA from Due to customers in the amount of CZK 197m at the end of 3Q 2024, CZK 215m at the end of 4Q 2024, CZK 200m at the end of 1Q 2025, CZK 175m at the end of 2Q 2025 and CZK 202m at the end of 3Q 2025. The slowdown in balance sheet growth caused by a decrease in deposits during Sep 2025, partially offset by a Tier 2 bond issue BALANCE SHEET PROFILE AND DEVELOPMENT Assets (CZK bn) Equity and liabilities (CZK bn) Cash and cash balances at the CNB1 (22.3)% YoY Investment securities +17.4% YoY Net customer loans +6.2% YoY Repo operations and due to banks 2 +15.3% YoY Equity Customer deposits +2.7% YoY 270.4 275.4 277.7 283.2 287.1 106.0 116.7 123.1 123.7 124.5 95.4 88.9 85.0 82.5 74.2 16.4 3Q 14.0 4Q 14.9 1Q 13.4 2Q 13.5 3Q 488.2 495.0 500.7 502.8 499.2 +2.3% 31.8 31.9 33.3 29.9 31.7 11.9 10.1 11.0 8.9 421.4 429.8 432.8 438.1 432.9 3.9 19.1 3Q 4.0 19.2 4Q 4.5 19.1 1Q 5.1 19.2 10.5 2Q 4.5 3Q 488.2 495.0 500.7 502.8 499.2 21.2 +2.3% Other liabilities Issued bonds and subordinated deposits Other assets 20252024 20252024
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23 New lending volume (CZK bn) New commercial lending volume (CZK bn) New lending volume up by 29%, due to strong demand in both the retail and commercial segments NEW LENDING VOLUMES Note: (1) Including retail housing loans and auto loans; (2) Including commercial auto loans. New retail lending volume (CZK bn) 1-3Q 2024 1-3Q 2025 42.5 55.0 +29.4% 16.5 9.4 1-3Q 2024 19.0 14.2 1-3Q 2025 25.9 33.2 +28.1% Mortgage loans +51.2% YoY Consumer and Other loans1 +15.0% YoY 12.3 4.3 1-3Q 2024 15.9 6.0 1-3Q 2025 16.6 21.8 +31.4% Small business +39.8% YoY SME2 +28.5% YoY
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24 Loan portfolio (CZK bn) Loan portfolio growth achieved across all segments, focusing on small business and SME due to margin and return considerations LOAN PORTFOLIO Note: (1) Includes investment loans, working capital and commercial auto loans and leasing portfolio. 74.7 76.5 76.8 79.7 80.9 17.2 18.3 19.3 180.7 183.1 184.2 185.7 187.6 15.4 3Q 16.3 4Q 1Q 2Q 270.8 275.9 278.1 283.7 3Q 287.8 +6.3% +4.3% Retail +3.8% YoY Small business +24.9% YoY SME1 +8.2% YoY 20252024
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25 Retail loan portfolio (CZK bn) Retail loan portfolio growth achieved through mortgage and consumer lending RETAIL LOAN PORTFOLIO DEVELOPMENT Notes: (1) Loan to value ratio on the performing mortgage portfolio at 52.1% as at 30 September 2025; (2) Other loans includehousing loans, credit cards and overdrafts. 4Q 11.5 131.3 38.6 2.7 1Q 11.1 132.7 39.1 2.7 2Q 12.2 134.2 39.8 2.8 3Q 127.7 38.1 2.7 3Q 12.0 130.2 38.1 2.7 180.7 183.1 184.2 185.7 187.6 10.8 +3.8% +2.5% Mortgage portfolio1 +5.1% YoY Consumer loans +4.5% YoY Other loans2 (11.8)% YoY Auto loans +4.3% YoY 20252024
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26 Commercial loan portfolio (CZK bn) Investment loans to SME and loans to small business clients strongly contributed to the overall commercial lending growth 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. 46.5 50.1 50.5 53.3 53.8 18.5 16.6 16.7 16.6 17.0 9.8 9.8 9.6 9.8 10.0 15.4 16.3 17.2 18.3 19.3 3Q 4Q 1Q 2Q 3Q 90.1 92.8 94.0 98.0 100.2 +11.1% +7.9% Investment loan portfolio2 +15.8% YoY Working capital (7.8)% YoY Small business loan +24.9% YoY Auto loan1 +2.8% YoY 20252024
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27 Loan portfolio yield (%) Commercial loan portfolio yield (%) The loan portfolio yield remained stable despite the declining short-term rates LOAN PORTFOLIO YIELD EVOLUTION Note: For more details, please see the explanation in the glossary. Retail loan portfolio yield (%) 4.9 4.9 4.8 4.8 4.8 3Q 4Q 1Q 2Q 3Q 6.1 6.0 5.8 5.8 5.8 3Q 4Q 1Q 2Q 3Q 4.3 4.3 4.3 4.3 4.4 3Q 4Q 1Q 2Q 3Q 20252024 20252024 20252024
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28 Customer deposits and wholesale funding1 (CZK bn) Funding base grew by 3.1%, supported by Tier 2 bond issuance and strong performance in the commercial segment 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 +1.9% YoY Commercial +5.4% YoY98.8 105.8 102.6 103.6 104.1 322.7 324.0 330.2 334.5 328.8 22.6 3Q 22.6 4Q 23.1 1Q 23.8 2Q 444.0 452.4 455.9 461.9 3Q 458.0 25.1 +3.1% +1.2% Wholesale +10.8% YoY 20252024
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29 Monthly development of customer deposits and funding cost (%, CZK bn) Current interest rate environment and behaviour of competitors (mainly small challenger banks) limit further cost of funds reduction DEVELOPMENT OF COSTS AND BALANCES OF CUSTOMER DEPOSITS Net interest margin development over 12 months (%) 421.4 421.0 421.6 429.8 424.4 431.4 432.8 438.6 441.5 438.1 439.9 438.5 432.9 09/24 10/24 11/24 12/24 01/25 02/25 03/25 04/25 05/25 06/25 07/25 08/25 09/25 +2.7% 2.51% 2.34% 2.25% 2.16% 2.16% 2.16% 2.13% 2.12% 2.08% 1.96% 1.91% 1.90% 1.91% 1.96 1.99 2.02 2.05 1.95 1.92 1.90 1.90 1.90 1.99 2.04 2.01 2.00 Impacted by doubled mandatory reserves
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30 Retail customer deposits (CZK bn) Retail deposit growth achieved year-on-year; the decline in 3Q 2025 impacted by intensified market competition RETAIL CUSTOMER DEPOSITS DEVELOPMENT Notes: (1) Including building savings accounts. 268.2 269.2 275.0 278.0 272.8 54.5 54.8 55.2 56.5 56.0 3Q 4Q 1Q 2Q 322.7 324.0 330.2 334.5 3Q 328.8 +1.9% +1.5% Current account deposits +2.8% YoY Savings, term and other deposits1 +1.7% YoY 20252024
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31 Commercial customer deposits (CZK bn) In the commercial segment, strong performance on current account balances contributed to overall growth at low cost COMMERCIAL CUSTOMER DEPOSITS DEVELOPMENT Notes: (1) Including building savings accounts. Current account deposits +16.2% YoY Savings, term and other deposits1 (3.1)% YoY 55.2 52.8 55.0 53.8 53.5 43.5 53.0 47.6 49.7 50.6 3Q 4Q 1Q 2Q 98.8 105.8 102.6 103.6 3Q 104.1 +5.4% (1.6)% 20252024
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32 Cost of funds1 – average (%) Wholesale funding2 (%) Funding costs declined by more than 50bps across both retail and commercial segments, while wholesale increased by 45bps 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 (%) 2.70 3Q 2.37 4Q 2.24 1Q 2.19 2Q 2.08 3Q 4.13 3Q 4.71 4Q 4.77 1Q 4.69 2Q 4.58 3Q 2.63 3Q 2.25 4Q 2.11 1Q 2.06 2Q 1.93 3Q 2.82 3Q 2.43 4Q 2.31 1Q 2.26 2Q 2.08 3Q 2.00 3Q 1.70 4Q 1.47 1Q 1.43 2Q 1.47 3Q 20252024 20252024 20252024 20252024 20252024
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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 Shareholder Meeting Appendix 01 02 03 04 05 06 07 08 09 10 Content Branch office: Brno
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34 Cost of risk (release in brackets, creation without brackets, YtD) Non-performing loan ratio Loan loss provision coverage Cost of risk at the lower end of expectations, accompanied by the historically lowest NPL ratio and improving NPL coverage KEY RISK RATIOS Total non-performing loan coverage 1-3Q 2024 2024 1-3Q 2025 0.18% 0.14% 0.16% (0.02)pp 1-3Q 2024 2024 1-3Q 2025 1.4% 1.3% 1.1% (0.3)pp 1-3Q 2024 2024 1-3Q 2025 112.0% 113.6% 121.3% +9.3pp 1-3Q 2024 2024 1-3Q 2025 1.62% 1.45% 1.33% (0.29)pp
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35 Note: (1) 1-3Q 2025: impact into the cost of risk line at CZK 78m and into other operating income line at CZK 7m; 1-3Q 2024: impact into the cost of risk line at CZK 87m and into other operating income line at CZK 3m. 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) • 1-3Q 2025 cost of risk at CZK 342 million or 16bps (1-3Q 2024: CZK 351 million or 18bps); • 1-3Q 2025 income on NPL disposals at CZK 85 million (1-3Q 2024: CZK 91 million).1 0.17 0.05 0.22 0.17 0.10 3Q 4Q 1Q 2Q 3Q 2024 2025 3Q 4Q 1Q 2Q 3Q COST OF RISK 114 35 151 117 74 Retail 167 82 181 61 46 Commercial (53) (48) (30) 56 28 20252024 • 1-3Q 2025 impacted by the gradual release of management overlays and the update of macroeconomic scenarios • 4Q 2024 impacted by the update of the IFRS 9 provisioning model Declining cost of risk supported by solid payment discipline across portfolios and improvement in the macroeconomic environment
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36 Gross loan portfolio (CZK m) Non-performing loan portfolio2 (CZK m) Loan loss provisions (CZK m) Portfolio growth accompanied by a disciplined approach to NPL disposals, resulting in the historically lowest NPL ratio 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 3,568 3,612 3,458 3,193 3Q 4Q 1Q 2Q 3Q 274,819 279,435 281,755 287,124 290,975 3Q 4Q 1Q 2Q 3Q +5.9% 3Q 4Q 1Q 2Q 3Q 1.62% 1.45% 1.42% 1.37% 1.33% 4,004 3,658 3,675 3,692 3,630 451 3Q 394 4Q 338 1Q 239 2Q 242 3Q 4,455 4,052 4,013 3,931 3,872 (13.1)% Management overlays1 Loan loss provisions NPL ratio 1.3% 1.2% 1.1%1.4% 1.3% 121%112% 114% 111% 114% Total NPL coverage 20252024 20252024 20252024 20252024
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37 NPL balance and net formation (CZK m) Overall NPL balance decline driven by successful disposals, declining formation and stable cure rate 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 3,568 3,612 3,458 3,193 1,144 1,222 1,105 963 Sep 2024 NPL forma- tion Cured1 Write- off2 Dec 2024 Write- off2 Cured1NPL forma- tion Jun 2025 Sep 2025 Write- off2 Cured1NPL forma- tion Mar 2025 Write- off2 Cured1 (1,123) (431) (1,005) NPL forma- tion (1,065) (194) (1,099) (131) (173) Net NPL formation (154) Net NPL formation (265) Net NPL formation (409) Net NPL formation +44
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38 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 0.270.17 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 0.08 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 0.56 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 3Q 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 Shareholder Meeting Appendix 01 02 03 04 05 06 07 08 09 10 Content Branch office: Hradec Králové
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40 Loan to deposit ratio Liquidity coverage ratio Share of high-quality liquid assets on customer deposits Strong liquidity and solid ratios despite competitive pressure on deposits KEY LIQUIDITY RATIOS Net stable funding ratio 30/09/2024 31/12/2024 30/09/2025 64% 64% 66% 30/09/2024 31/12/2024 30/09/2025 340% 357% 335% 30/09/2024 31/12/2024 30/09/2025 178% 181% 177% 30/09/2024 31/12/2024 30/09/2025 43% 43% 40%
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41 High-quality liquid assets (CZK bn) The HQLA position remains strong at 34% of total assets HIGH-QUALITY LIQUID ASSETS DEVELOPMENT 97.3 107.3 112.5 114.0 114.3 82.2 75.6 65.7 61.3 53.8 3.4 3Q 3.8 4Q 2.9 1Q 3.1 2Q 3.4 3Q 183.0 186.7 181.1 178.4 171.4 (6.3)% Cash (2.1)% YoY Balances at the CNB (34.6)% YoY Government and other bonds +17.4% YoY 20252024
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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 Shareholder Meeting Appendix 01 02 03 04 05 06 07 08 09 10 Content Branch office: Jilemnice
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43 Capital adequacy ratio Risk-weighted assets (CZK bn) Tier 1 capital adequacy ratio Strong capital position improved by Tier 2 bond issuance, lower RWAs and distributable excess at CZK 4.5 billion 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 September 2025; 3Q 2025 excess capital does not include 2025 accrued dividend of CZK 4.4bn; (4) Excess capital over Tier 1 management capital target of 12.23% as at 31 December 2024 and 12.50% as at 30 September 2025; (5) Interim dividend to be paid from retained earnings of prior years; subject to corporate, regulatory and regulator´s limitations and shareholders’ approval at the General Meeting to be held on 14 November 2025. Excess capital over management target3 (CZK m) 15.05% 3.20% 31/12/2024 15.25% 4.72% 30/09/2025 18.25% 19.97% Management target1 12.23% 2.24% 31/12/2024 12.50% 2.71% 30/09/2025 14.46% 15.21% Management target 2 Excess capital T1, T2 and debt instruments Distributable excess capital 31/12/2024 30/09/2025 173.5 166.4 (4.1)% 3,885 4,509 1,657 3,334 31/12/2024 30/09/2025 5,543 7,844 +41.5% Tier 1 excess4 Tier 2 excess Before CZK 2bn interim dividend5
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44 Regulatory capital (CZK bn) Capital adequacy ratio Risk-weighted assets density Regulatory capital position improved due to Tier 2 bond issuance, further supported by RWA density decrease CAPITAL POSITION ON A CONSOLIDATED BASIS Note: (1) Including 100bps of management buffer; (2) Excess capital and accrued dividend as at 30 September 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 1-3Q 2025 net profit. Excess capital over management capital target of 15.25%1,2 (CZK m) 6.6 25.1 31/12/2024 7.9 25.3 30/09/2025 31.6 33.2 31/12/2024 30/09/2025 35.0% 33.2% 5,543 7,8441,083 1,075 4,900 0 5,000 10,000 15,000 31 Dec 2024 Change of capital requirement Change in RWA Other changes in capital3 1-3Q 2025 Net profit 1-3Q 2025 Dividend accrual4 30 Sep 2025 (347) (4,410) Tier 2 Tier 1 15.05% 3.20% 31/12/2024 15.25% 4.72% 30/09/2025 18.25% 19.97% Management target1 Excess capital T1, T2 and debt instruments
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45 Regulatory capital and MREL instruments (CZK bn) MREL adequacy ratio Risk-weighted assets density On an individual basis, we maintained a solid MREL ratio due to increased capital instruments, MREL and Tier 2 bonds 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 29.29% constitutes an excess of 694 basis points above the MREL management target as at 30 September 2025 • In September 2025, MONETA issued EUR 100 million of Tier 2 capital instruments to further optimise capital structure 26.3 6.6 12.5 31/12/2024 26.4 7.9 13.3 30/09/2025 45.4 47.6 21.95% 5.04% 31/12/2024 22.35% 6.94% 30/09/2025 26.99% 29.29% MREL management target1 Excess over MREL management target 31/12/2024 30/09/2025 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 Shareholder Meeting Appendix 01 02 03 04 05 06 07 08 09 10 Content Branch office: Praha - Chodov
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We are on track to deliver and exceed net profit guidance by a minimum of CZK 300 million 2025 MARKET GUIDANCE & OUTLOOK Metrics 2025 Guidance 2025 Outlook Variance vs. Guidance Total operating income (CZK bn) 13.6 13.8 +0.2 Driven by NIM improvement amid a higher margin against 2W repo rate than planned Total operating expenses (CZK bn) (5.9) (5.8) +0.1 Savings achieved on D&A and administrative expenses Operating profit (CZK bn) 7.7 8.0 +0.3 Combination of better operating income and stable operating expenses Cost of risk (bps) (15-35) (17.5-22.5) Assuming steady performance without any significant commercial defaults in 4Q NET PROFIT (CZK bn) 6.0 ≥6.3 +0.3 Combination of better operating income, stable operating expenses and lower cost of risk Earnings per share (CZK) 11.7 12.3 +0.6 Continuing to accrue 90% of net profit on the dividend accrual account Return on Tangible Equity 20% 21% 1pp Supported by a higher net profit 47
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Note: Please see pages 49, 50 and 79 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% - 48
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49 Note: Please see also pages 50 and 79 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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50 Note: Please see also pages 49 and 79 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 Shareholder Meeting Appendix 01 02 03 04 05 06 07 08 09 10 Content Branch office: Ostrava
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Note: (1) Subject to corporate, regulatory and regulator´s limitations and shareholders’ approval at the General Meeting to be held on 14 November 2025; (2) Subject to shareholders’ approval at the General Meeting to be held on 14 November 2025. Information about the upcoming shareholder meeting and dividend payment SHAREHOLDER MEETING 52 Record date for General Meeting 7 November 2025 Dividend payment date2 16 December 2025 General Meeting Prague 14 November 2025 Record date for dividend 1 21 November 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 Shareholder Meeting Appendix 01 02 03 04 05 06 07 08 09 10 Content Branch office: Říčany
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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 4Q 2025 REPORTING DATES, INVESTOR MEETINGS AND OTHER IMPORTANT DATES 55 Goldman Sachs Annual CEEMEA One-on-One, London 18 November 2025 FY 2025 Earnings 3 February 2026 WOOD's Winter Wonderland EMEA Conference, Prague 2-5 December 2025 General Meeting Prague 14 November 2025
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57 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 49, 50 and 79 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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59 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 interim 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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95.0 125.0 155.0 185.0 215.0 01/01/2024 23/01/2024 14/02/2024 07/03/2024 29/03/2024 20/04/2024 12/05/2024 03/06/2024 25/06/2024 17/07/2024 08/08/2024 30/08/2024 21/09/2024 13/10/2024 04/11/2024 26/11/2024 18/12/2024 09/01/2025 31/01/2025 22/02/2025 16/03/2025 07/04/2025 29/04/2025 21/05/2025 12/06/2025 04/07/2025 26/07/2025 17/08/2025 08/09/2025 30/09/2025 Komerční banka Eurostoxx banks 60 Total shareholders return1 as at 30 September 2025 (%) MONETA delivered a total shareholder return of 112%, above European banks’ average TOTAL SHAREHOLDER RETURN COMPARISON Source: Company information, Bloomberg as at 30 September 2025; Note: (1) Calculated as the sum of share price performance asat 30 September 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. +73.1% MONETA Komerční banka Euro Stoxx Banks2 +112.1% +86.6%
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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 30/09 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 30/09 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 reassesses 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, the 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 62
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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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64 Note: (1) First five years fixed rate; (2) MREL eligible instrument; (3) On 13 October 2025, MONETA announced its decision to exercise the early redemption option for these bonds, which is due on 15 December 2025. In September 2025, MONETA issued a T2 capital instrument in the amount of EUR 100 million to further optimise the 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 5.12% p.a. After 5 years 25 Sep 2029 Baa2 Tier 2 CZ0003705188 30 Jan 2020 CZK 2,601 Float 5.23% 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 2,3 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 Tier 2 XS3154053436 9 Sep 2025 EUR 100 Fixed to float 4.514% p.a. 1 After 5 years 9 Sep 2035 Baa2
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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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66 Deposit market (CZK bn) Commercial deposits (CZK bn) MONETA outperformed the deposit market growth mainly thanks to deposit growth 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) 322.7 3Q 324.0 4Q 330.2 1Q 2Q 3,599.9 3,659.0 3,695.4 3,732.0 Aug 3,771.9 331.5334.5 +4.8%/+2.7% 98.8 3Q 105.8 4Q 102.6 1Q 103.6 2Q 3,513.8 3,267.8 3,518.1 3,612.8 Aug 3,596.4 107.0 +2.4%/+8.3%421.4 3Q 429.8 4Q 432.8 1Q 438.1 2Q 7,113.6 6,926.7 7,213.5 7,344.8 Aug 7,368.3 438.5 +3.6%/+4.1% Market MONETA 20252024 20252024 20252024
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67 Lending market – Gross loans (CZK bn) Commercial gross loans (CZK bn) MONETA’s growth was in line with the lending market and significantly outperformed the market 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) 183.5 3Q 185.5 4Q 186.6 1Q 187.9 2Q 2,237.3 2,277.2 2,309.3 2,357.2 Aug 2,396.4 189.3 +7.1%/+3.1% 91.3 3Q 93.9 4Q 95.2 1Q 99.2 2Q 1,896.8 1,907.2 1,948.4 2,000.4 Aug 1,960.3 99.8 +3.3%/+9.3%274.8 3Q 279.4 4Q 281.8 1Q 287.1 2Q 4,134.1 4,184.4 4,257.8 4,357.6 Aug 4,356.7 289.1 +5.4%/+5.2% Market MONETA 20252024 20252024 20252024
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CZK m 30/09/2024 31/12/20241 30/09/2025 YtD % Change YoY % Change Cash and cash balances at the central bank 11,816 13,541 19,267 42.3% 63.1% Derivative financial instruments with positive fair values 504 596 522 (12.4)% 3.6% Investment securities 106,040 116,664 124,455 6.7% 17.4% Hedging derivatives with positive fair values 2,011 2,314 2,271 (1.9)% 12.9% Change in fair value of items hedged on portfolio basis 864 200 (138) (169.0)% (116.0)% Loans and receivables to banks 89,755 79,206 58,537 (26.1)% (34.8)% Loans and receivables to customers 270,364 275,383 287,103 4.3% 6.2% Intangible assets 3,287 3,365 3,407 1.2% 3.7% Property and equipment 2,236 2,260 2,314 2.4% 3.5% Investments in associates 2 3 3 0.0% 50.0% Current tax assets 92 70 21 (70.0)% (77.2)% Deferred tax assets 7 0 0 n/a (100.0)% Other assets 1,241 1,380 1,468 6.4% 18.3% TOTAL ASSETS 488,219 494,982 499,230 0.9% 2.3% Due to banks 3,740 3,834 4,338 13.1% 16.0% Due to customers 421,621 430,021 433,148 0.7% 2.7% Derivative financial instruments with negative fair values 467 532 488 (8.3)% 4.5% Hedging derivatives with negative fair values 5,964 4,259 3,070 (27.9)% (48.5)% Change in fair value of items hedged on portfolio basis 135 78 52 (33.3)% (61.5)% Issued bonds 11,545 11,562 11,257 (2.6)% (2.5)% Subordinated liabilities 7,568 7,622 9,951 30.6% 31.5% Provisions 266 263 274 4.2% 3.0% Current tax liabilities 63 47 154 227.7% 144.4% Deferred tax liabilities 418 469 504 7.5% 20.6% Other liabilities 4,592 4,416 4,325 (2.1)% (5.8)% Total Liabilities 456,379 463,103 467,561 1.0% 2.5% 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 21,517 21,556 21,346 (1.0)% (0.8)% Total Equity 31,840 31,879 31,669 (0.7)% (0.5)% TOTAL LIABILITIES & EQUITY 488,219 494,982 499,230 0.9% 2.3% 69 Note: (1) Audited. Consolidated statement of financial position FINANCIAL STATEMENTS
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CZK m 30/09/2023 31/12/20231 31/03/2024 30/06/2024 30/09/2024 31/12/20241 31/03/2025 30/06/2025 30/09/2025 Cash and cash balances at the central bank 13,365 10,871 12,226 9,468 11,816 13,541 18,019 21,476 19,267 Derivative financial instruments with positive fair values 690 544 560 575 504 596 491 494 522 Investment securities 88,056 104,353 103,215 101,967 106,040 116,664 123,081 123,727 124,455 Hedging derivatives with positive fair values 3,991 2,701 2,681 2,669 2,011 2,314 2,096 2,159 2,271 Change in fair value of items hedged on portfolio basis (989) 122 244 74 864 200 366 207 (138) Loans and receivables to banks 68,120 69,632 75,327 90,581 89,755 79,206 71,670 64,409 58,537 Loans and receivables to customers 268,987 263,064 266,731 271,010 270,364 275,383 277,742 283,193 287,103 Intangible assets 3,252 3,332 3,323 3,285 3,287 3,365 3,341 3,370 3,407 Property and equipment 2,443 2,400 2,392 2,315 2,236 2,260 2,426 2,361 2,314 Investments in associates 2 3 3 4 2 3 4 4 3 Current tax assets 33 76 66 184 92 70 15 26 21 Deferred tax assets 0 0 8 8 7 0 0 0 0 Other assets 1,113 1,086 1,250 1,123 1,241 1,380 1,484 1,325 1,468 TOTAL ASSETS 449,063 458,184 468,026 483,263 488,219 494,982 500,735 502,751 499,230 Due to banks 7,379 5,423 6,441 6,427 3,740 3,834 4,275 4,905 4,338 Due to customers 393,012 399,497 405,920 426,073 421,621 430,021 433,023 438,265 433,148 Derivative financial instruments with negative fair values 674 523 516 528 467 532 458 477 488 Hedging derivatives with negative fair values 1,502 4,548 4,497 3,691 5,964 4,259 4,825 3,944 3,070 Change in fair value of items hedged on portfolio basis (113) 63 81 66 135 78 87 76 52 Issued bonds 3,740 3,808 3,856 3,874 11,545 11,562 11,559 11,631 11,257 Subordinated liabilities 7,561 7,604 7,548 7,591 7,568 7,622 7,529 7,593 9,951 Provisions 308 266 263 260 266 263 275 265 274 Current tax liabilities 146 54 79 48 63 47 76 71 154 Deferred tax liabilities 418 462 357 394 418 469 419 452 504 Other liabilities 3,461 3,733 4,979 4,003 4,592 4,416 4,864 5,209 4,325 Total Liabilities 418,088 425,981 434,537 452,955 456,379 463,103 467,390 472,888 467,561 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 20,652 21,880 23,166 19,985 21,517 21,556 23,022 19,540 21,346 Total Equity 30,975 32,203 33,489 30,308 31,840 31,879 33,345 29,863 31,669 TOTAL LIABILITIES & EQUITY 449,063 458,184 468,026 483,263 488,219 494,982 500,735 502,751 499,230 70 Note: (1) Audited. Consolidated statement of financial position – quarterly development FINANCIAL STATEMENTS
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CZK m 3Q 2024 YtD 3Q 2025 YtD % Change Interest and similar income 17,060 14,750 (13.5%) Interest expense and similar charges (10,570) (7,505) (29.0%) Net interest income 6,490 7,245 11.6% Fee and commission income 2,717 2,884 6.1% Fee and commission expense (471) (359) (23.8%) Net fee and commission income 2,246 2,525 12.4% Dividend income 0 0 n/a Net income from financial operations 678 481 (29.1%) Other operating income 53 74 39.6% Total operating income 9,467 10,325 9.1% Personnel expenses (1,877) (1,877) 0.0% Administrative expenses (1,115) (1,213) 8.8% Depreciation and amortisation (911) (874) (4.1%) Regulatory charges (216) (195) (9.7%) Other operating expenses (50) (46) (8.0%) Total operating expenses (4,169) (4,205) 0.9% Profit for the period before tax and net impairment of financial assets 5,298 6,120 15.5% Net impairment of financial assets (351) (342) (2.6%) Profit for the period before tax 4,947 5,778 16.8% Taxes on income (711) (878) 23.5% Profit for the period after tax 4,236 4,900 15.7% Total comprehensive income attributable to the equity holders 4,236 4,900 15.7% 71 Consolidated statement of profit or loss and other comprehensive income FINANCIAL STATEMENTS
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CZK m 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 Interest and similar income 5,769 6,048 5,964 5,751 5,345 5,147 4,911 4,955 4,884 Interest expense and similar charges (3,571) (3,867) (3,889) (3,641) (3,040) (2,718) (2,574) (2,534) (2,397) Net interest income 2,198 2,181 2,075 2,110 2,305 2,429 2,337 2,421 2,487 Fee and commission income 836 822 881 917 919 1,008 959 937 988 Fee and commission expense (154) (159) (141) (165) (165) (194) (111) (119) (129) Net fee and commission income 682 663 740 752 754 814 848 818 859 Dividend income 1 1 0 0 0 0 0 0 - Net income from financial operations 278 240 285 229 164 182 168 146 167 Other operating income 21 10 17 14 22 19 25 27 22 Total operating income 3,180 3,095 3,117 3,105 3,245 3,444 3,378 3,412 3,535 Personnel expenses (593) (738) (620) (625) (632) (787) (609) (624) (644) Administrative expenses (367) (486) (330) (405) (380) (437) (380) (443) (390) Depreciation and amortisation (304) (294) (301) (303) (307) (314) (293) (292) (289) Regulatory charges 0 0 (228) 12 0 0 (195) 0 0 Other operating expenses (12) (19) (7) (32) (11) (15) (21) (16) (9) Total operating expenses (1,276) (1,537) (1,486) (1,353) (1,330) (1,553) (1,498) (1,375) (1,332) Profit for the period before tax and net impairment of financial assets 1,904 1,558 1,631 1,752 1,915 1,891 1,880 2,037 2,203 Net impairment of financial assets (142) (133) (135) (102) (114) (35) (151) (117) (74) Profit for the period before tax 1,762 1,425 1,496 1,650 1,801 1,856 1,729 1,920 2,129 Taxes on income (268) (197) (210) (232) (269) (284) (263) (292) (323) Profit for the period after tax 1,494 1,228 1,286 1,418 1,532 1,572 1,466 1,628 1,806 Total comprehensive income attributable to the equity holders 1,494 1,228 1,286 1,418 1,532 1,572 1,466 1,628 1,806 72 Consolidated statement of profit or loss and other comprehensive income - quarterly development FINANCIAL STATEMENTS
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Profitability 3Q 2024 YtD FY 2024 3Q 2025 YtD YtD Change in pp YoY Change in pp Yield 4.9% 4.9% 4.8% (0.1) (0.1) Cost of funds1 3.20% 2.99% 2.18% (0.81) (1.02) Cost of funds on customer deposits (% avg deposits) 3.17% 2.93% 2.05% (0.88) (1.12) NIM (% avg int earning assets) 2,3,4 1.9% 1.9% 2.0% 0.1 0.1 Cost of risk (% avg net customer loans) 0.18% 0.14% 0.16% 0.02 (0.02) Risk-adj. yield (% avg net customer loans) 4.8% 4.8% 4.7% (0.1) (0.1) Net fee & commission income / Operating income 23.7% 23.7% 24.5% 0.8 0.8 Net non-interest income / Operating income 31.4% 30.9% 29.8% (1.1) (1.6) Cost to income ratio 44.0% 44.3% 40.7% (3.6) (3.3) RoTE 19.8% 20.4% 23.1% 2.7 3.3 RoE 17.7% 18.2% 20.6% 2.4 2.9 RoAA2 1.2% 1.2% 1.3% 0.1 0.1 Liquidity / Leverage Loan to deposit ratio 64.2% 64.1% 66.3% 2.2 2.1 Total equity / Total assets 6.5% 6.4% 6.3% (0.1) (0.2) High-quality liquid assets / Customer deposits 43.4% 43.4% 39.6% (3.8) (3.8) Liquidity coverage ratio 340.1% 357.2% 334.6% (22.6) (5.5) Capital Adequacy RWA density 35.6% 35.0% 33.2% (1.8) (2.4) Total CAR 19.23% 18.25% 19.97% 1.72 0.74 Tier 1 ratio 15.30% 14.46% 15.21% 0.75 (0.09) Asset Quality Non-performing loan ratio 1.4% 1.3% 1.1% (0.2) (0.3) Core non-performing loan coverage 46.4% 39.5% 45.1% 5.6 (1.3) Total NPL coverage 112.0% 113.6% 121.3% 7.7 9.3 Loan to value ratio5 56.1% 53.4% 52.1% (1.3) (4.0) Loan to value ratio on new volumes (weighted average) 58.5% 56.9% 56.1% (0.8) (2.3) Operating platform Branch network 134 124 122 (1.6)% (9.0)% Own & shared ATMs6 1,981 1,966 1,942 (1.2)% (2.0)% Total employees7 2,514 2,516 2,465 (2.0)% (1.9)% 73 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 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 Yield 4.7% 4.9% 4.9% 4.9% 4.9% 4.9% 4.8% 4.8% 4.8% Cost of Funds1 3.42% 3.58% 3.60% 3.29% 2.70% 2.37% 2.24% 2.19% 2.08% Cost of Funds on Customer Deposits (% Avg Deposits) 3.39% 3.55% 3.58% 3.24% 2.63% 2.25% 2.11% 2.06% 1.93% NIM (% Avg Int Earning Assets) 2,3,4 2.1% 2.0% 1.8% 1.8% 1.9% 2.0% 1.9% 1.9% 2.0% Cost of Risk (% Avg Net Customer Loans) 0.21% 0.20% 0.20% 0.15% 0.17% 0.05% 0.22% 0.17% 0.10% Risk-adj. Yield (% Avg Net Customer Loans) 4.5% 4.7% 4.7% 4.8% 4.7% 4.8% 4.6% 4.7% 4.7% Net Fee & Commission Income / Operating Income 21.4% 21.4% 23.7% 24.2% 23.2% 23.6% 25.1% 24.0% 24.3% Net Non-Interest Income / Operating Income 30.9% 29.5% 33.4% 32.0% 29.0% 29.5% 30.8% 29.0% 29.6% Cost to Income Ratio 40.1% 49.7% 47.7% 43.6% 41.0% 45.1% 44.3% 40.3% 37.7% RoTE 21.6% 17.0% 17.1% 21.0% 21.5% 22.1% 19.5% 24.6% 25.6% RoE 19.3% 15.3% 15.4% 18.7% 19.2% 19.7% 17.6% 21.8% 22.8% RoAA2 1.4% 1.1% 1.1% 1.2% 1.3% 1.3% 1.2% 1.3% 1.4% Liquidity / Leverage Loan to Deposit ratio 68.5% 65.9% 65.8% 63.6% 64.2% 64.1% 64.2% 64.6% 66.3% Total Equity / Total Assets 6.9% 7.0% 7.2% 6.3% 6.5% 6.4% 6.7% 5.9% 6.3% High-Quality Liquid Assets / Customer Deposits 36.3% 40.0% 40.5% 41.9% 43.4% 43.4% 41.8% 40.7% 39.6% Liquidity Coverage Ratio 312.1% 354.4% 359.5% 339.5% 340.1% 357.2% 366.6% 339.0% 334.6% Capital Adequacy RWA density 37.6% 36.4% 36.3% 35.4% 35.6% 35.0% 32.7% 33.3% 33.2% Total CAR 19.86% 20.07% 19.60% 19.40% 19.23% 18.25% 19.13% 18.53% 19.97% Tier 1 Ratio 15.54% 15.74% 15.42% 15.36% 15.30% 14.46% 15.34% 15.04% 15.21% Asset Quality Non-Performing Loan Ratio 1.3% 1.4% 1.4% 1.4% 1.4% 1.3% 1.3% 1.2% 1.1% Core Non-Performing Loan Coverage 48.2% 47.9% 46.6% 47.2% 46.4% 39.5% 39.7% 40.7% 45.1% Total NPL Coverage 130.8% 121.6% 118.5% 116.1% 112.0% 113.6% 111.1% 113.7% 121.3% Loan to value ratio 5 59.5% 58.8% 57.8% 57.5% 56.1% 53.4% 53.3% 52.5% 52.1% Loan to value ratio on new volumes (weighted average) 57.2% 57.8% 59.5% 60.3% 56.0% 54.1% 53.5% 56.9% 57.4% Operating platform Branch network 140 134 134 134 134 124 124 122 122 Own & shared ATMs6 2,009 1,971 1,976 1,978 1,981 1,966 1,936 1,948 1,942 Total employees7 2,528 2,533 2,508 2,517 2,516 2,524 2,453 2,470 2,472 74 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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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 and unsecured housing loans provided by MONETA Money Bank 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 76 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 after the application of regulatory haircuts as set out in Article 9 of the Commission Delegated Regulation (EU) 2015/61. Housing loans Includes 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 77 GLOSSARY 2/3
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78 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 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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79 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 49 and 50.
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80 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