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3Q 2026 Results Published on 23 October 2026 at 07:00 CET According to IFRS, Consolidated, Unaudited MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION
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Note: Percentage change represents year-on-year movement. (1) Gross performing portfolio. • Operating income reached CZK 11.2 billion (+8.2%), driven mainly by growth in net interest income (+9.7%) and supported by higher net fee and commission income (+6.1%) • Operating expenses remained stable at CZK 4.2 billion (0.5%), with the cost-to- income ratio at 37.4% • Net profit reached CZK 5.5 billion (+12.7%), enabling the full-year minimum net profit target to be raised to CZK 7.1 billion • Total assets reached CZK 524 billion (+5.0%), supported by growth in both the loan portfolio (+10.4%) and the funding base (+3.8%) 1-3Q 2026 Key highlights 2 (in CZK) 5.5bn Net profit 4.2bn Operating expenses 11.2bn Operating income 318bn Loan portfolio 1 476bn Funding base 524bn Total assets +8.2% (0.5)% +3.8%+5.0% +10.4% +12.7%
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Note: The percentage and percentage points represent the year-on-year change. MREL ratio is calculated on an individual basis; other ratios are calculated on a consolidated basis. (1) Capital management target of 15.5% as at 30 September 2026; (2) CET1 management target of 10.69% as at 30 September 2026. • Capital adequacy ratio at 19.0% with an excess of CZK 6.4 billion or 3.5pp above the capital management target1 • CET1 ratio at 13.1% with an excess of CZK 4.4 billion or 2.5pp above the CET1 capital management target2 • Risk-weighted assets increased by 9% to CZK 181 billion, reflecting strong loan portfolio growth of 10.4% • Liquidity position remained solid, with LCR at 282%, down 52pp, primarily due to loan portfolio growth and other factors 1-3Q 2026 Key highlights 3 (in CZK) 282% 27.4% Liquidity coverage ratio Risk-weighted assets CET1 ratio2 181bn MREL ratio+9.0% Excess 5.1pp 19.0% Capital adequacy ratio 1 Excess 3.5pp 13.1% Excess 2.5pp (52)pp 23.9% Return on tangible equity +0.8pp
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Third-quarter results enabled us to raise the minimum 2026 net profit target to CZK 7.1 billion 2026 MARKET GUIDANCE & OUTLOOK Metrics 2026 Guidance Updated 2026 Variance vs. Guidance Total operating income (CZK bn) 14.6 15.0 +0.4 Driven by NIM improvement amid a higher margin against 2W repo rate than planned Total operating expenses (CZK bn) (6.0) (5.9) +0.1 Savings achieved in D&A and administrative expenses Operating profit (CZK bn) 8.6 9.1 +0.5 Reflecting higher operating income and lower operating expenses Credit costs (bps) (20-35) (20-30) 0-5 Assumes improved portfolio performance without any significant commercial defaults in 4Q NET PROFIT (CZK bn) 6.6 7.1 +0.5 Reflecting higher operating income, lower operating expenses and lower credit costs Earnings per share (CZK) 12.9 13.9 +1.0 Based on the continued accrual of 90% of net profit in the dividend accrual account Return on Tangible Equity 23% 22% (1)pp Impacted by the higher level of equity following the issuance of AT1 capital instrument 4
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5 2026 Key messages (1/2) Expecting overall loan book growth in the range of 8.5−10.5%. Our lending strategy remains focused on SME and small business segments, which offer attractive margins and efficient capital utilisation. This is reflected in year-on-year commercial loan book growth of 20.3% in 3Q 2026. Lending growth Deposit growth Aiming to increase the customer deposit base by approximately 2.5−3.5%, with estimated full-year cost of funds on customer deposits in the range of 2.10−2.15% amid continuing competitive pressure. In 3Q 2026 YtD, the average cost of funds on customer deposits remained at 2.1%, stable compared to 3Q 2025 YtD. 3rd party product distribution Targeting a 17–20% growth in the balance of distributed wealth management products to reach CZK 92.5 – 95 billion by year-end. This is supported by a full-year distribution target of CZK 22 billion, of which CZK 16.3 billion was achieved in 3Q 2026 YtD. Net interest margin Projecting full-year net interest margin in the range of 2.10−2.15% compared to 1.99% in 2025, supported by loan book growth and gradual repricing. New volumes reached CZK 77 billion, up 39%YoY, carrying a yield of 5.6%. In 3Q 2026 YtD, loan portfolio yield increased to 5.0%, against 4.8% in 3Q 2025 YtD.
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6 2026 Key messages (2/2) Targeting operating income of CZK 15.0 billion in 2026, representing a potential increase of 7.7% compared with 2025. Supported by 3Q 2026 YtD growth of 8.2% driven by better-than-expected result in both net interest income and net fee and commission income. Operating income Risk management Expecting credit costs in the range of 20-30bps. Furthermore, anticipating fulfilment of NPL disposal target of CZK 1.1 billion. Supporting low NPL ratio at approximately 1%. Assuming steady loan coverage in the range of 1.10 – 1.15% and NPL coverage at around 120%. Net profit performance Anticipating to outperform the net profit guidance to CZK 7.1 billion, representing earnings growth of 9.2% against 2025. Such result would deliver RoTE of 22% and RoE of 20%. Should we reach minimum net profit target of CZK 7.1 billion, earnings per share would materialise at CZK 13.9. Cost management Targeting operating expenses below CZK 5.9 billion budget, enabled by disciplined cost management and a continued focus on productivity and operational efficiency. As a result, the cost-to-income ratio is expected to land at 39%.
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2026‒2030 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Benešov
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8 GDP evolution1 (CZK bn) Unemployment rate: ECB, Czech Statistical Office3 Government debt in % of GDP at current prices2 Czech economy remained resilient, with GDP growth projected at 2.2% in 2026 and unemployment remaining low and stable MACROECONOMIC ENVIRONMENT Note: (1) Source: GDP at constant prices of 2020 based on the Czech Statistical Office (CZSO);GDP at current prices – 2Q 2025: CZK 2,130bn, 3Q 2025: CZK 2,159bn, 4Q 2025: CZK 2,197bn, 1Q 2026: 2,197bn, 2Q 2026: CZK 2,224bn; GDP Y/Y % change: 2Q 2025–2Q 2026 actuals based on the CZSO seasonally adjusted, FY 2025 based on the CZSO and 2026 based on the CNB prediction; (2) Euro area data: www.ec.europa.eu/eurostat as at 21 July 2026; (3) ILO methodology; (4) Source: www.mfcr.cz. State budget deficit of the Czech Republic4 (CZK bn) 2025: 2.6% 2026F: 2.2% 1,633 1,666 1,678 1,542 1,662 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 GDP at constant prices 360.4 288.5 271.4 290.7 310.0 2022 2023 2024 2025 2026F 2.8% 2.8% 2.8% 2.2% 1.8% GDP Y/Y % change 93.8 89.3 86.9 87.0 87.8 40.7 42.5 42.2 43.3 44.3 2021 2022 2023 2024 2025 EURO area - 20 countries Czech Republic 5.1% 3.8% 3.4% 3.4% 3.4% Share of GDP at current pricesState budget deficit 6.4 6.4 6.3 6.3 6.4 2.8 3.0 3.0 3.2 3.1 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 EURO area - 20 countries Czech Republic CZK 194.5bn as at Sep’2026
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9 Inflation and consumer price index1 (year-over-year % change) Contribution to inflation by item1 Two-week repo rate (end of period) Inflation remained broadly aligned with the CNB target, while the policy rate stands at 3.75% 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 2.1% 2.0%6.6% 6.9% Dec’2025 % contribution Sep’2026 % contribution Sep’2026 Y/Y price change % Food and beverages 0.7 (0.2) (0.8) Clothing and footwear (0.1) (0.1) (3.0) Housing, energy 0.6 0.5 1.7 Health 0.1 0.1 3.8 Transport, telecommunication 0.0 1.4 9.9 Recreation, culture, education 0.3 0.2 2.7 Restaurants and hotels 0.3 0.3 4.2 Other 0.2 0.3 4.0 Total 2.1 2.5 2.5 End of period change2 15.8% 3.0% 4.25% 09/2024 4.00% 11/2024 3.75% 02/2025 3.50% 05/2025 3.50% 12/2025 3.75% 09/2026 0.0 5.0 10.0 15.0 3.8% 2021 15.1% 2022 10.7% 2023 2.4% 2024 2.5% 2025 2.5% 09/2026 2% the CNB inflation target 3.0% 4.0% 5.0% 6.0% 1D 1W 2W 1M 3M 6M 12M 2Y 3Y 4Y 5Y 6Y 7Y 8Y 9Y 10Y 12Y 15Y 20Y 30Y 30/09/2026 31/12/2025 30/09/2025 % % % %
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2026‒2030 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Blansko
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Note: All numbers as at 30 September 2026. The percentage represents the year-on-year change. (1) Out of which 1,009 ATMs have a deposit function (53%); (2) Average FTEs in 1-3Q 2026; (3) Includes control and enabling functions. • Stable client base, with 59 thousand clients acquired while 43 thousand clients left • Branch network reduced to 118 locations, with six branches closed and two opened • Headcount marginally decreased; digital banking replacing front office employees. Growing requirements across enabling (mainly IT) and control functions Overall business platform 11 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 2,423 (1.7)% 118 1,233 (6.3)% 1,190 1.6m +0.6% +3.5% (3.3)% 1,921 (1.1)%
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Note: Payment transactions, servicing transactions and sales transactions during 1-3Q 2026 in a number of units. The percentage represents the year-on-year change. (1) Active digital platform clients include users of Smart Banka and Internet Banka who have logged in to the relevant channel at least once within the past 90 days. • Number of active digital banking clients grew • Daily digital touchpoints grew steadily, while online transaction frequency increased by 8.9% • The use of digital channels for payments, servicing and sales grew strongly, accompanied by rapid growth in on-line loan sales Digital platform 12 Sales transactions Active digital platform clients 1 Payment transactions Average daily visits Servicing transactions 19.3m +13.7% 63.6m +8.9% 748ths 397ths 1.1m +3.3% +9.3% +4.6% Loans granted (CZK) 31.8bn +55.6%
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Note: Visits, distribution of 3rd party products and loans granted during 1-3Q 2026. The percentage represents the year-on-year change. (1) As at 30 September 2026; (2) Includes retail, SME and small business bankers; (3) Non-cash visits including meetings with investment specialists; (4) NPS for 3Q 2026 for retail clients, 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; (5) In number of units – includes 3rd party products such as insurance and wealth management. Branch network 13 Number of staff at branches2 Distribution of 3rd party products5 Client satisfaction NPS 4 Branch visits 3 124ths (1.9)% 1,010 (4.0)% 92 564ths (9.4)% Number of branches 1 118 (3.3)% +2 points since 4Q’25 Loans granted (CZK) 45bn +29.5% • Lower branch traffic drives network optimisation and relocations • Branch network contributed 59% of overall loan origination and continued to play significant role in overall value creation • Distribution of third-party products marginally declined due to focus on sales quality • Overall, the network and the quality of its services delivered exceptional client satisfaction
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Note: Average number of FTEs in 1-3Q 2026, other data cumulative during 1-3Q 2026 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) Email communication = number of answered emails or messages from Internet Banka, web forms, chats or social media; (3) NPS for 3Q 2026 for retail clients, 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) Percentage of calls answered out of total incoming calls. Also includes missed incoming calls that were subsequently answered via a callback; (5) Percentage of missed incoming calls. • Inbound service calls remained at stable level, supported by ongoing growth in digital engagement and self-service adoption • Deployment of AI tools and digitisation of services significantly reduced email communication • Overall headcount declined as digitally enabled service transactions increased and productivity measures were implemented • Service quality metrics improved visibly Contact centre 14 Number of staff Email communication2 Client satisfaction NPS 3 Percentage of answered calls 4 88ths (18.1)% 208 (5.5)% 85 96.9% +2.3pp Inbound traffic 1 573ths (1.1)% Abandon rate 5 6.7% (1.9)pp+5 points since 4Q’25
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Note: Withdrawals, deposits and service transactions on MONETA’s ATMs in a number of units during 1-3Q 2026. The percentage represents the year-on-year change. • ATM coverage remained stable through the four-bank alliance network, while deposit capabilities increased significantly • MONETA marginally reduced its own ATM network due to investment and cost considerations • Cash withdrawals declined steadily, while cash deposits grew strongly, reflecting the expansion of cashless branches across MONETA and its competitors • ATM-enabled service transactions remained stable ATM network 15 Deposit ATMs in shared network Own ATM deposits Own ATM network Own ATM withdrawals 2.0m +15.3% 1,009 545 9.4m (8.9)% Own & shared ATM network 1,921 ATM service transactions 2.4m +4.1% (3.0)%(1.1)% +26.0%
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2026‒2030 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Praha – Černý Most
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Net profit increased by 12.7%, as higher operating income more than offset elevated credit costs PROFIT AND LOSS STATEMENT Cost base maintained stable. Cost-to-income ratio at 37.4% compared to 40.7% in 3Q 2025 YtD Net interest income growth driven by higher lending income and mortgage book repricing, resulted in improved NIM to 2.11%, compared to 1.99% in 1-3Q 2025 Net fee and commission income growth driven by the distribution of third-party products (wealth management +CZK 204 million YoY and insurance products +CZK 46 million), partially offset by one-off bonuses received in 2025 (CZK 150 million) Credit costs of CZK 492 million or 22bps in line with expectations, NPL ratio at 0.9% PROFIT AND LOSS (CZK m) 1-3Q 2025 1-3Q 2026 CHANGE YoY Net interest income 7,245 7,951 9.7% Net fee and commission income 2,525 2,678 6.1% Other income 555 543 (2.2%) OPERATING INCOME 10,325 11,172 8.2% Operating expenses (4,205) (4,183) (0.5%) OPERATING PROFIT 6,120 6,989 14.2% Credit costs (342) (492) 43.9% PROFIT BEFORE TAX 5,778 6,497 12.4% Income tax (878) (975) 11.0% NET PROFIT 4,900 5,522 12.7% Earnings per share 9.6 10.8 12.7% Return on Tangible Equity 23.1% 23.9% 0.8pp Effective tax rate 15.2% 15.0% (0.2)pp Net profit of CZK 5.5 billion, up by 12.7%, resulted in RoTE of 23.9% 17
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18 Net interest income (CZK m) Interest expense on customer deposits (CZK m) Interest income on loans (CZK m) Loan portfolio growth and mortgage repricing drove a 12.1% increase in net interest income NET INTEREST INCOME DRIVERS Note: (1) Treasury and other net interest income is composed of money market operations, investment portfolio, wholesale funding and issued bonds. Treasury and other net interest income1 (CZK m) 3Q’25 4Q’25 1Q’26 2Q’26 3Q’26 3,444 3,528 3,589 3,777 4,011 +16.5% 1,150 1,079 1,140 1,178 1,191 3Q’25 4Q’25 1Q’26 2Q’26 3Q’26 +3.6% (2,107) (2,145) (2,211) (2,311) (2,413) 3Q’25 2Q’261Q’26 3Q’264Q’25 2,487 2,462 2,518 2,644 2,789 3Q 4Q 1Q 2Q 3Q +12.1% +5.5% +14.5% 2.1% 2.2%2.0%2.0% 2.0% NIM 20262025
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19 Net fee and commission income (CZK m) Fee expense (CZK m) Third-party commission income (CZK m) Distribution of third-party products continued to support strong net fee and commission income FEE AND COMMISSION INCOME & EXPENSE Fee income (CZK m) (129) (134) (161) (169) (189) 283 282 293 305 312 231 257 262 282 299 3Q’25 4Q’25 1Q’26 2Q’26 3Q’26 514 539 555 587 611 376 368 368 388 389 98 3Q’25 102 4Q’25 101 1Q’26 100 2Q’26 98 3Q’26 474 470 469 488 487 Wealth mngt +29.4% YoY Insurance +10.2% YoY 859 875 863 906 909 3Q 4Q 1Q 2Q 3Q +5.8% +0.3% Penalty 0.0% YoY Transactional & Servicing +3.5% YoY Fee expense +46.5% YoY 3Q’25 2Q’261Q’26 3Q’264Q’25 20262025
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20 Commissions from wealth management products distribution (CZK m) Outstanding amount of distributed wealth management products (CZK m) Steady distribution performance supported balanced and resilient income generation DISTRIBUTION OF WEALTH MANAGEMENT PRODUCTS Note: Number of licensed staff and wealth management specialists as at 30 September in the relevant year. Number of licensed staff for the retail segment. (1) Data for 1-3Q 2025 restated due to methodology changes. 73,161 91,388 30/09/2025 30/09/2026 +24.9% 639 843 1-3Q 2025 1-3Q 2026 +31.9% 1-3Q 2025 1-3Q 2026 Change Number of licensed staff (MiFiD)1 531 565 +6.4% Wealth management specialists1 64 64 0.0% Distributed volume (CZK m) 16,250 16,335 +0.5% Attrition (% avg balance, p.a.) 10.4% 9.9% (0.5)pp Opening fee (CZK m) 236 264 +11.9% Trailer fee (CZK m) 403 579 +43.7%
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21 Commissions from insurance product distribution (CZK m) Number of insurance products sold (in units)2 Commission income growth of 5% driven by strong performance in payment protection and pension insurance distribution INSURANCE PRODUCT DISTRIBUTION Note: (1) Number of staff with IDD and supplementary pension savings licenses as at 30 September in the relevant year; data for 1-3Q 2025 restated due to methodology changes; (2) 1-3Q 2025 data restated due to methodology changes. 864 910 1-3Q 2025 1-3Q 2026 +5.3% 148,015 149,277 1-3Q 2025 1-3Q 2026 +0.9% 1-3Q 2025 1-3Q 2026 Change Number of licensed staff1 702 679 (3.3)% Payment protection insurance Gross written premium (CZK m) 600 643 +7.1% Commissions earned (CZK m) 323 340 +5.3% Life insurance Annual premium equivalent (CZK m) 131 127 (3.4)% Commissions earned (CZK m) 224 223 (0.4)% Pension insurance Units sold (ths) 21 20 (4.4)% Commissions earned (CZK m) 60 68 +12.9% Other insurance products Commissions earned (CZK m) 257 279 +8.6%
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22 • Regulatory charges increased by 8.7% or CZK 17 million primarily due to deposit base expansion • Depreciation and amortisation decreased by 8.2% to CZK 802 million as a result of the revision of the useful lives of fixed assets • Administrative and Other expenses decreased by 5.9% or CZK 74 million, mainly due to lower IT and facilities costs • Personnel expenses increased by 5.7%, resulting from an increase in the average salary and higher compensation driven by sales and management performance • Cost-to-income ratio improved by 3.3pp to 37.4% Note: Regulatory charges include mandatory contributions to Deposit Insurance, Resolution and Investor Compensation Funds. The cost base remained stable YoY despite persistent pressure on personnel expenses, while the cost to income ratio improved to 37% OPERATING EXPENSES Operating expenses (CZK m) Key highlights 1,877 1,984 1,259 1,185 874 802 1-3Q 2025 1-3Q 2026 4,205 4,183 195 212 (0.5)% Admin & Other (5.9)% YoY Regulatory charges +8.7% YoY Personnel +5.7% YoY Depreciation and amortisation (8.2)% YoY
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23 Personnel expenses remained stable compared to 3Q 2025, with wage inflation offset by a reduction in FTEs OPERATING EXPENSES Personnel expenses and number of FTEs (CZK m) 624 622 619 605 619 268 20 3Q 4Q 1Q 75 2Q 24 3Q 644 891 661 680 643 42 (0.2)% (5.4)% YoY change 2,420 (2.0)% 2,404 (2.8)% 2,479 (1.8)% 2,472 (1.7)% 2,446 (0.3)% Average number of FTEs Key highlights Recurrent personnel expenses: • Average salary increased by 4.9% YoY below the average wage inflation in the Czech Republic of 6.4% YoY2 • Number of employees decreased by 2.8% YoY to 2,404 average FTEs One-offs: • Revaluation of deferred managerial bonuses of CZK 19 million, reflecting share price development in 3Q 2026 (3Q 2025: CZK 12 million) Note: (1) One-offs include severance costs, provision for unused vacation, annual variable compensation, Executive Variable Incentive Program revaluation and methodology update; (2) Source: Based on the CZSO in 2Q 2026. One-offs1 +22.1% YoY Recurrent (0.9)% YoY 20262025
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24 Administrative and other expenses decreased by 1.8% compared to 3Q 2025, driven mainly by reduction in facilities and IT expenses OPERATING EXPENSES Administrative & Other expenses1 (CZK m) Key highlights 186 199 166 173 173 93 74 81 85 85 47 72 55 61 63 73 111 75 97 71 3Q 4Q 1Q 2Q 3Q 399 455 377 416 392 (1.8)% (5.8)% Marketing +32.9% YoY Other (2.8)% YoY1 IT (6.8)% YoY Facilities (8.4)% YoY • IT expenses decreased by 6.8% to CZK 173 million as a result of completion of the cloud migration in 2025 • Facility costs went down by 8.4% to CZK 85 million due to lower repairs and maintenance (CZK 6 million) • Marketing expenses increased by 32.9% to CZK 63 million due to mortgage and current account campaigns in September 2026 Note: (1) Category “Other“ includes mainly charitable contributions, Credit bureau fees, postage, training sessions and professional services. Category “Facilities“ includes mainly rent-related services, ATM-related expenses and transport of cash. 20262025
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2026‒2030 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Brno
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26 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 2025 4Q 2025 3Q 2026 4.85% 4.87% 5.11% +0.26pp 3Q 2025 4Q 2025 3Q 2026 2.08% 2.12% 2.27% +0.19pp 287.8 291.8 317.6 30/09/2025 31/12/2025 30/09/2026 +10.4% +8.8% 458.0 463.7 475.6 30/09/2025 31/12/2025 30/09/2026 +3.8% +2.6% Loan portfolio growth and higher yield supported an improvement in net interest income
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27 Notes: (1) Including reverse repo operations with the CNB; (2) Miscellaneous assets include Derivative financial instruments and Hedging derivatives with positive fair values, Change in fair value of items hedged on a portfolio basis from assets, Loans and receivables to banks (excluding reverse repo operations with the CNB), Intangible assets, Property and equipment, Investments in associates, Current and Deferred tax assets and Other assets; (3) Data restated due to methodology changes; (4) Miscellaneous liabilities include Derivative financial instruments and Hedging derivatives with negative fair values, Change in fair value of items hedged on a portfolio basis, Provisions, Current and Deferred tax liabilities and Other liabilities. Balance sheet growth was driven by a 10.4% increase in net customer loans and 4.5% in customer deposits BALANCE SHEET PROFILE AND DEVELOPMENT Assets (CZK bn) Equity and liabilities (CZK bn) Cash and cash balances at the CNB1 (13.0)% YoY Investment securities +3.1% YoY Net customer loans +10.4% YoY Repo operations and due to banks 3 +73.9% YoY Equity Customer deposits +4.5% YoY 29.5 287.1 291.2 296.3 308.9 317.0 124.5 120.1 127.6 130.9 128.4 74.2 80.1 67.2 74.4 64.5 13.5 3Q 13.2 4Q 1Q 11.0 2Q 14.2 3Q 499.2 504.5 520.5 525.2 524.1 +5.0% 31.7 31.2 32.8 32.3 34.59.6 9.4 11.0 432.9 440.4 450.0 454.3 452.4 3.8 21.29.6 3Q 3.6 19.7 4Q 3.9 19.8 13.9 1Q 7.2 22.0 2Q 6.7 19.5 3Q 499.2 504.5 520.5 525.2 524.1 +5.0% Miscellaneous liabilities3,4 Issued bonds and subordinated liabilities Miscellaneous assets2 20262025 20262025
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28 New lending volume (CZK bn) New commercial lending volume (CZK bn) New lending volumes grew by 39%, led by mortgages, SME and small business lending NEW LENDING VOLUMES Note: (1) Other loans include retail housing loans and auto loans; (2) Including commercial auto loans. New retail lending volume (CZK bn) 1-3Q 2025 1-3Q 2026 55.0 76.6 +39.2% 19.0 14.2 1-3Q 2025 22.3 22.3 1-3Q 2026 33.2 44.6 +34.5% Mortgage loans +57.3% YoY Consumer and other loans1 +17.4% YoY 15.9 6.0 1-3Q 2025 23.6 8.4 1-3Q 2026 21.8 31.9 +46.4% Small business +40.5% YoY SME2 +48.5% YoY
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29 Loan portfolio (CZK bn) Growth in the SME and small business portfolios contributed to overall double-digit loan growth GROSS PERFORMING LOAN PORTFOLIO Note: (1) Includes investment loans, working capital, commercial auto loans and leasing portfolio. 80.9 83.8 87.7 92.8 95.0 20.5 21.6 23.4 25.4 187.6 187.5 187.6 193.4 197.2 19.3 3Q 4Q 1Q 2Q 3Q 287.8 291.8 296.9 309.6 317.6 +10.4% Retail +5.1% YoY Small business +31.7% YoY SME1 +17.5% YoY 20262025
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30 Retail loan portfolio (CZK bn) Mortgage and consumer lending supported 5% retail portfolio growth RETAIL LOAN PORTFOLIO DEVELOPMENT Notes: (1) Loan to value ratio on the performing mortgage portfolio at 51.1% as at 30 September 2026; (2) Other loans include housing loans, credit cards and overdrafts. 10.5 133.6 40.6 2.8 4Q 10.1 132.9 41.8 2.9 1Q 9.6 138.0 42.9 10.8 2Q 9.3 141.2 43.8 3.0 3Q 134.2 39.8 2.8 3Q 187.6 187.5 187.6 193.4 197.2 2.9 +5.1% Mortgage portfolio1 +5.2% YoY Consumer loans +9.9% YoY Other loans2 (14.0)% YoY Auto loans +5.5% YoY 20262025
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31 Commercial loan portfolio (CZK bn) Investment and small business loans drove 20% growth in the commercial segment COMMERCIAL LOAN PORTFOLIO DEVELOPMENT Notes: (1) Auto loan portfolio includes financing of agricultural equipment (Smart Finance) and portfolio of MONETA Leasing; (2) Investment loan portfolio includes housing loans. 53.8 57.2 60.6 64.3 67.1 17.0 16.2 16.6 17.7 17.419.3 20.5 21.6 23.4 25.410.0 10.4 10.6 10.7 10.6 3Q 4Q 1Q 2Q 100.2 104.3 109.3 116.2 3Q 120.4 +20.3% Investment loan portfolio2 +24.8% YoY Working capital +1.9% YoY Small business loan +31.7% YoY Auto loans1 +5.1% YoY 20262025
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32 Loan portfolio yield (%) Commercial loan portfolio yield (%) Overall loan portfolio yield increased to 5.1%, supported by both retail and commercial lending LOAN PORTFOLIO YIELD EVOLUTION Note: For more details, please see the explanation in the glossary. Retail loan portfolio yield (%) 4.85 4.87 4.89 5.00 5.11 3Q 4Q 1Q 2Q 3Q 5.77 5.75 5.66 5.71 5.87 3Q 4Q 1Q 2Q 3Q 4.36 4.39 4.45 4.57 4.66 3Q 4Q 1Q 2Q 3Q 20262025 20262025 20262025
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33 Customer deposits and wholesale funding1 (CZK bn) The funding base grew by 3.8%, supported by growth in both commercial (+10.7%) and retail deposits (+2.5%) 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. Retail +2.5% YoY Commercial +10.7% YoY 26.4 104.1 109.2 109.3 115.3 115.3 328.8 331.2 340.7 339.1 337.2 25.1 3Q 23.3 4Q 23.7 1Q 2Q 458.0 463.7 473.8 480.7 3Q 475.6 23.2 +3.8% Wholesale (7.4)% YoY 20262025
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34 Retail customer deposits and wealth management (CZK bn) The combined retail deposits and wealth management portfolio grew by 6.6%, while retail deposits funded 65% of new investments RETAIL CUSTOMER DEPOSITS DEVELOPMENT AND WEALTH MANAGEMENT 328.8 331.2 340.7 339.1 337.2 73.2 78.9 81.5 88.7 91.4 3Q 4Q 1Q 2Q 402.0 410.1 422.2 427.7 3Q 428.5 +6.6% Wealth management +24.9% YoY Retail customer deposits +2.5% YoY 20262025
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35 Retail customer deposits (CZK bn) Retail deposits grew by 2.5%, in line with our projection in a highly competitive environment RETAIL CUSTOMER DEPOSITS DEVELOPMENT Notes: (1) Including building savings accounts. 272.8 275.9 285.2 282.0 280.7 56.0 55.3 55.5 57.1 56.5 3Q 4Q 1Q 2Q 328.8 331.2 340.7 339.1 3Q 337.2 +2.5% Current account deposits +0.7% YoY Savings, term and other deposits1 +2.9% YoY 20262025
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36 Commercial customer deposits (CZK bn) Commercial deposits grew by 10.7% across both current and term accounts COMMERCIAL CUSTOMER DEPOSITS DEVELOPMENT Notes: (1) Including building savings accounts. Current account deposits +9.5% YoY Savings, term and other deposits1 +11.9% YoY 53.5 55.2 56.5 58.2 59.9 50.6 54.0 52.8 57.1 55.4 3Q 4Q 1Q 2Q 104.1 109.2 109.3 115.3 3Q 115.3 +10.7% 20262025
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37 Cost of funds (%) Wholesale funding1 (%) Funding costs increased moderately as a result of our deposit pricing strategy AVERAGE COST OF FUNDS Notes: (1) Wholesale funding includes Issued bonds, Subordinated liabilities and Due to banks balances. Customer deposits (%) Commercial (%) Retail (%) 2.08 3Q 2.12 4Q 2.11 1Q 2.18 2Q 2.27 3Q 4.58 3Q 4.93 4Q 4.42 1Q 4.64 2Q 4.84 3Q 1.93 3Q 1.96 4Q 1.99 1Q 2.04 2Q 2.13 3Q 2.08 3Q 2.11 4Q 2.16 1Q 2.20 2Q 2.25 3Q 1.47 3Q 1.52 4Q 1.46 1Q 1.57 2Q 1.76 3Q 20262025 20262025 20262025 20262025 20262025
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2026‒2030 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Praha – OC Harfa
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39 Credit costs ratio (release in brackets, creation without brackets, YtD) Non-performing loan ratio Loan loss provision coverage The increase in credit costs ratio was driven by higher new loan origination and a single large commercial default in 2Q 2026 KEY CREDIT RISK RATIOS Total non-performing loan coverage 1-3Q 2025 2025 1-3Q 2026 0.16% 0.16% 0.22% +0.06pp 1-3Q 2025 2025 1-3Q 2026 1.1% 1.0% 0.9% (0.2)pp 1-3Q 2025 2025 1-3Q 2026 121.3% 122.1% 120.4% (0.9)pp 1-3Q 2025 2025 1-3Q 2026 1.33% 1.24% 1.11% (0.22)pp
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40 Note: (1) 1-3Q 2026: impact into the credit costs line at CZK 61m and into other operating income line at CZK 4m; 1-3Q 2025: impact into the credit costs line at CZK 78m and into other operating income line at CZK 7m. CREDIT COSTS Credit costs (CZK m, release in brackets, creation without brackets, QtD) • 1-3Q 2026 credit costs at CZK 492 million or 22bps (1-3Q 2025: CZK 342 million or 16bps); • 1-3Q 2026 income on NPL disposals at CZK 65 million (1-3Q 2025: CZK 85 million).1 0.10 0.14 0.22 0.34 0.10 0.00 0.45 0.90 3Q 4Q 1Q 2Q 3Q 2025 2026 1Q 2Q 3Q 4Q 1Q 2Q 3Q CREDIT COSTS 151 117 74 102 160 254 78 Retail 181 61 46 30 182 14 104 Commercial (30) 56 28 72 (22) 239 (26) Credit costs in 3Q 2026 benefited from updated macroeconomic assumptions Annualised credit costs ratio (%, release in brackets, creation without brackets, QtD) 20262025
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41 Gross loan portfolio (CZK m) Non-performing loan portfolio2 (CZK m) Loan loss provisions (CZK m) Provision coverage has declined in 2026 following an update to the macroeconomic forecasts and the release of management overlays 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 and total NPL coverage 3,193 2,990 2,872 2,898 2,958 3Q 4Q 1Q 2Q 3Q (7.3)% 290,975 294,810 299,810 312,491 320,562 3Q 4Q 1Q 2Q 3Q +10.2% 3Q 4Q 1Q 2Q 3Q 1.33% 1.24% 1.18% 1.15% 1.11% 3,630 3,504 3,405 3,606 3,563 242 3Q 148 4Q 130 1Q 0 2Q 0 3Q 3,872 3,652 3,535 3,606 3,563 (8.0)% Management overlays1 Loan loss provisions 121% 122% 123% 124% 120% Total NPL coverage 20262025 20262025 20262025 20262025
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42 NPL balance and net formation (CZK m) NPL disposals and proactive collections are keeping the NPL balance stable 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. 3,193 2,990 2,872 2,898 2,958 804 953 878 848 Sep 2025 NPL forma- tion Cured1 Write- off2 Dec 2025 Write- off2 Cured1NPL forma- tion Jun 2026 Sep 2026 Write- off2 Cured1NPL forma- tion Mar 2026 Write- off2 Cured1 (705) (301) (809) NPL forma- tion (703) (151) (675) (113)(262) Net NPL formation +26 Net NPL formation (203) Net NPL formation (118) Net NPL formation +60
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43 Share of past due exposures in the total gross portfolio balance (%) Delinquency rates remained low and broadly stable, supported by solid core performance and 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 0.27 0.30 0.31 0.28 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 0.09 0.08 0.08 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 0.50 0.46 0.46 0.52 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 4Q 1Q 2Q 3Q 30+ 60+ 90+ 2021 20222020 2023 2024 2025 2026
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2026‒2030 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Karlovy Vary
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45 Loan to deposit ratio Liquidity coverage ratio Share of high-quality liquid assets in customer deposits Strong liquidity position continues to support accelerated lending growth KEY LIQUIDITY RATIOS Net stable funding ratio 30/09/2025 31/12/2025 30/09/2026 66% 66% 70% 30/09/2025 31/12/2025 30/09/2026 335% 321% 282% 30/09/2025 31/12/2025 30/09/2026 177% 178% 165% 30/09/2025 31/12/2025 30/09/2026 40% 40% 35%
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46 High-quality liquid assets (CZK bn) The HQLA remained robust, with the YoY decline attributable to lending growth and the repayment of a CZK 2 billion Tier 2 bond HIGH-QUALITY LIQUID ASSETS DEVELOPMENT 114.3 111.9 119.2 117.4 114.1 53.8 58.8 54.3 57.4 43.1 3.4 3Q 3.5 4Q 3.1 1Q 3.2 2Q 171.4 174.2 176.7 178.1 3Q 160.3 3.2 (6.5)% Cash (4.2)% YoY Balances at the CNB (20.0)% YoY Government and other bonds (0.2)% YoY 20262025
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2026‒2030 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Brno Campus
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48 Regulatory capital (CZK bn) Excess capital over management target1 (CZK m) Capital adequacy ratio The AT1 issuance strengthened capital ratios; excess capital remained strong at CZK 6.4 billion CAPITAL POSITION ON A CONSOLIDATED BASIS Note: (1) Excess capital above the management capital target of 15.25% as at 31 December 2025 and 15.50% as at 30 September 2026; (2) Excess capital above CET1 management capital target of 12.50% as at 31 December 2025 and 10.69% as at 30 September 2026. 7.5 23.3 31/12/2025 7.0 3.6 23.8 30/09/2026 30.8 34.5 Tier 2 CET1 AT1 2,693 4,445 2,989 1,947 31/12/2025 30/09/2026 5,681 6,393 +12.5% CET1 excess2 AT1, Tier 2 excess 14.13% 4.57% 31/12/2025 13.14% 2.00% 3.89% 30/09/2026 18.70% 19.03% Excess capital over management target1 (%) 1.82% 1.63% 31/12/2025 1.08% 2.45% 30/09/2026 3.45% 3.53% Tier 2 AT1 CET1 CET1 excess2 AT1, Tier 2 excess
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49 As at 30 September 2026, MONETA maintained CZK 4.4 billion of CET1 excess capital in addition to CZK 5.0 billion of accrued dividend Risk-weighted assets (CZK bn) 2,693 4,4452,987 5,522 0 5,000 10,000 31 Dec 2025 Change in RWA Change of capital target Other changes in capital2 1-3Q 2026 Net profit 2026 Dividend accrual3 30 Sep 2026 (1,758) (4,970)(28) 31/12/2025 30/09/2026 164.8 181.2 32.6% 34.2% CET1 excess capital development1 (CZK m) • CET1 excess capital has increased from CZK 2.7 billion to CZK 4.4 billion since the beginning of the year • Dividend accrual maintained at 90% of consolidated net profit as per market guidance • Distributable excess capital and accrued dividend stand at CZK 18.4 per share. • Risk-weighted assets has increased by 10.0% to CZK 181.2 billion since the beginning of the year mainly due to continued expansion of lending portfolio • RWA density has increased by 160bps due to lending growth utilising free liquidity CAPITAL POSITION ON A CONSOLIDATED BASIS Density Note: (1) Excess capital and accrued dividend as at 30 September 2026 are subject to corporate, regulatory and regulator´s limitations; (2) Including changes in T2 capital, intangibles and other; (3) 90% of 1-3Q 2026 net profit.
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50 Note: (1) As at 30 September 2026, the management buffer includes 25bps anticipatory increase of countercyclical buffer. On an individual basis, the MREL ratio stood at 27.4%, well above the MREL management target CAPITAL POSITION ON AN INDIVIDUAL BASIS Regulatory capital and MREL instruments (CZK bn) MREL adequacy ratio 24.8 7.5 12.1 31/12/2025 25.6 3.6 7.0 12.7 30/09/2026 44.4 49.0 Tier 2 CET1 MREL Additional Tier 1 21.35% 1.00% 5.17% 31/12/2025 21.05% 1.25% 5.10% 30/09/2026 27.52% 27.40% Management buffer1 Excess Capital requirement
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2026‒2030 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Prachatice
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Note: Please see pages 53, 55 and 81 of this presentation for limitations of forward-looking statements and their assumptions. CAGR calculated from the original guidance published on 3 February 2026. (1) Assuming no changes in the current tax regulation. MONETA is on track to exceed its minimum net profit target for 2026 by CZK 500 million 2026‒2030 MEDIUM-TERM GUIDANCE Metrics 2026 Updated 2026 2027 2028 2029 2030 CAGR 2026‒2030 Total operating income (CZK bn) 14.6 15.0 15.4 16.1 16.7 17.5 4.6% Total operating expenses (CZK bn) (6.0) (5.9) (6.1) (6.2) (6.4) (6.5) 2.0% Operating profit (CZK bn) 8.6 9.1 9.3 9.9 10.4 11.0 6.3% Credit costs ratio (bps) (20-35) (20-30) (25-45) (25-45) (25-45) (25-45) - Effective tax rate1 15.5% 15.5% 15.5% 15.5% 15.5% 15.5% - NET PROFIT (CZK bn) 6.6 7.1 7.0 7.4 7.8 8.3 5.9% Earnings per share (CZK) 12.9 13.9 13.7 14.5 15.3 16.2 5.9% Dividend per share (CZK) 11.6 12.5 12.3 13.0 13.7 14.6 5.9% Return on Tangible Equity 23% 22% 23% 24% 24% 25% - 52
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53 Note: Please see also pages 55 and 81 for limitations of forward-looking statements and their assumptions. Projected loan and deposit growth 2026–2030 MEDIUM-TERM GUIDANCE 2025 2026 Actuals 09/2026 2027 2028 2029 2030 CAGR 2025‒2030 Gross performing loans development 291.8 306.2 317.6 326.2 349.4 372.4 392.8 6.1% Retail 187.5 189.5 197.2 195.7 204.9 214.8 222.9 3.5% Commercial 104.3 116.7 120.4 130.5 144.6 157.6 169.9 10.2% Customer deposits development 440.4 453.7 452.4 471.4 489.1 506.9 524.7 3.6% Retail 331.2 341.4 337.2 356.5 371.5 386.5 401.5 3.9% Commercial 109.2 112.3 115.3 114.9 117.6 120.4 123.2 2.4%
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2021‒2030 Net profit1 (CZK bn) The guidance published on 3 February 2026 projected a nearly 40% increase in net profit NET PROFIT EVOLUTION Note: Guidance is subject to change based on the actual financial results of the Group in the years 2026 to 2030 and corporate, regulatory and regulator’s limitations. Please see pages 53, 55 and 81 of this presentation for limitations of forward-looking statements and their assumptions. (1) 2021‒2025 represents final data, 2026‒2030 represents guidance. 4.0 5.2 5.2 5.8 6.5 6.6 7.0 7.4 7.8 8.3 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 CZK 26.7bn CZK 37.1bn +CZK 10.4bn 54 +39.1%
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55 Note: Please see also pages 53 and 81 for limitations of forward-looking statements and their assumptions. Source 2026‒2027: GDP, unemployment and inflation rates based on the CNB forecast issued in autumn 2025; two-week repo rate and 1M Pribor based on internal assumptions. 2028‒2030: all data based on internal assumptions. Macroeconomic assumptions for medium-term guidance 2026‒2030 MEDIUM-TERM GUIDANCE 2026 2027 2028 2029 2030 GDP growth 2.4% 2.8% 2.5% 2.5% 2.5% Unemployment 3.0% 2.9% 2.9% 2.9% 2.9% Inflation 2.2% 2.5% 2.0% 2.0% 2.0% Two-week repo rate (annual average) 3.5% 3.5% 3.5% 3.5% 3.5% 1M Pribor (annual average) 3.6% 3.6% 3.6% 3.6% 3.6% CZK/EUR 24.6 24.6 24.6 24.6 24.6
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Macroeconomic Environment Operating Platform Profit and Loss Development Balance Sheet Development Risk Metrics & Asset Quality Liquidity Development Capital Management 2026‒2030 Market Guidance Appendix 01 02 03 04 05 06 07 08 09 Content Branch office: Břeclav
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Events with Investors Distributed Dividends and Total Shareholder Return Capital Requirements Issued Bonds and Capital Instruments Overview Deposit and Lending Market Financial Statements & Key Performance Ratios Glossary of Terms • • • • • • • Appendix
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2026 Investor Events 58 Wood Conference 01–04 December 2026 Prague US Roadshow 16–20 November 2026 San Francisco, Chicago, Boston, New York FY 2026 Earnings Release 2 February 2027 Prague REPORTING DATES, INVESTOR MEETINGS AND OTHER IMPORTANT DATES
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Events with Investors Distributed Dividends and Total Shareholder Return Capital Requirements Issued Bonds and Capital Instruments Overview Deposit and Lending Market Financial Statements & Key Performance Ratios Glossary of Terms Appendix • • • • • • •
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60 Net profit and dividend distribution (CZK m) Since 2016, MONETA has distributed 93% of its cumulative net profit, equivalent to CZK 83 in dividends per share DISTRIBUTION OF DIVIDENDS 2016‒2025 Note: Dividend policy remains valid as long as MONETA operates at a capital adequacy ratio at least 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 dividend policies.This recommendation remained 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 from previous years in the amount of CZK 3 per share; (4) 2025 includes a dividend from the 2025 net profit in the amount of CZK 11.5 per share and an interim dividend distributed from the Bank’s retained earnings from previous years in the amount of CZK 4 per share; (5) Calculated as the ratio of cumulative dividends for the years 2016-2025 to the average share price over the same period. 4,054 3,923 4,200 4,019 2,601 3,984 5,187 5,200 5,808 6,501 5,008 4,088 3,143 1,686 1,533 3,577 4,088 4,599 6,643 7,921Net profit Dividend 2016 2017 2018 2019 2020 2021 2022 2023 20243 20254 2016‒2025 cumulative Pay-out ratio 124% 104% 75% 42%1 59% 90% 79% 88% 114% 122% 93% Dividend per share (CZK) 9.80 8.00 6.15 3.30 2 3.00 7.00 8.00 9.00 13.00 15.50 82.75 Share price – end of period (CZK) 82.80 82.40 72.50 85.00 68.00 93.75 76.00 93.60 123.80 193.40 n/a Dividend yield 11.8% 9.7% 8.5% 3.9% 4.4% 7.5% 10.5% 9.6% 10.5% 8.0% 85.2% 5
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0 35 70 105 31/12/2024 31/01/2025 28/02/2025 31/03/2025 30/04/2025 31/05/2025 30/06/2025 31/07/2025 31/08/2025 30/09/2025 31/10/2025 30/11/2025 31/12/2025 31/01/2026 28/02/2026 31/03/2026 30/04/2026 31/05/2026 30/06/2026 31/07/2026 31/08/2026 30/09/2026 Komerční banka EuroStoxx 61 Total shareholder return1 as at 30 September 2026 (%) MONETA has delivered a total shareholder return of 70.8% since 31 December 2024 TOTAL SHAREHOLDER RETURN COMPARISON Source: Company information, Bloomberg as at 30 September 2026. Note: (1) Calculated as the sum of share price performance as at 30 September 2026 vs 31 December 2024 and dividends paid in 2025 and 2026; (2) EuroStoxx incl. 42 banks from the SX7P STOXX Europe 600 Banks Index. +41.3% MONETA Komerční banka Euro Stoxx Banks2 +70.8% +114.2%
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Events with Investors Distributed Dividends and Total Shareholder Return Capital Requirements Issued Bonds and Capital Instruments Overview Deposit and Lending Market Financial Statements & Key Performance Ratios Glossary of Terms • • • • • • • Appendix
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30/09 2025 31/12 2025 30/09 2026 Pillar I – CRR requirement 8.0% 8.0% 8.0% Pillar II – SREP requirement1 2.0% 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% 0.5% Total requirement 14.25% 14.25% 14.25% Management capital buffer2 1.0% 1.0% 1.25% TOTAL MANAGEMENT TARGET 15.25% 15.25% 15.50% Note: (1)The CNB usually reassesses the above SREP capital requirements annually. The CNB may also launch an ad-hoc extraordinary SREP process, for example, in the event of a change in the Bank’s consolidated unit. In 2026, the last change of requirements became effective on 06/02/2026; (2) MONETAincorporated higher requirement for the countercyclical buffer effective from 1 July 2027 in its management capital buffer already as at 30 September 2026; (3) As at 31 December 2025, the CET1 management target was equal to the Tier 1 target due to absence of AT1 instrument. Following the AT1 issuance in June 2026, the CET1 target was reduced accordingly. Following the AT1 issuance, the CET1 management target was lowered from its previous level, which was equal to the Tier 1 CAPITAL REQUIREMENTS AND TARGETS ON A CONSOLIDATED BASIS Management capital target on a consolidated basis Capital target coverage on a consolidated basis 63 30/09 2025 31/12 2025 30/09 2026 CET1 management target3 12.50% 12.50% 10.69% AT1 management target - - 2.06% Tier 1 management target 12.50% 12.50% 12.75% Tier 2 management target 2.75% 2.75% 2.75% TOTAL MANAGEMENT TARGET 15.25% 15.25% 15.50%
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30/09 2025 31/12 2025 30/09 2026 MREL – loss absorption amount 10.0% 10.0% 10.0% MREL - recapitalisation amount 7.1% 7.1% 6.8% 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% 0.5% Total requirement 21.35% 21.35% 21.05% Management capital buffer1 1.0% 1.0% 1.25% TOTAL MANAGEMENT TARGET 22.35% 22.35% 22.30% Note: (1) MONETA incorporated higher requirement for the countercyclical buffer effective from 1 July 2027 in its management capital buffer already as at 30 September 2026; (2) As of 31 December 2025, the CET1 management target was equal to the Tier 1 target due to absence of AT1 instrument. Following the AT1 issuance in June 2026, the CET1 target was reduced accordingly. AT1 issuance also lowered the CET1 management target also on an individual basis CAPITAL REQUIREMENTS AND TARGETS ON AN INDIVIDUAL BASIS Management capital target on an individual basis 64 Capital target coverage on an individual basis 30/09 2025 31/12 2025 30/09 2026 CET1 management target2 12.50% 12.50% 10.69% AT1 management target - - 2.06% Tier 1 management target 12.50% 12.50% 12.75% Tier 2 management target 2.75% 2.75% 2.75% MREL management target 7.10% 7.10% 6.80% TOTAL MANAGEMENT TARGET 22.35% 22.35% 22.30%
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• Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms Appendix
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66 Note: (1) First five years fixed rate; (2) MREL eligible instrument; (3) The Notes are perpetual securities in respect of which there is no fixed redemption or maturity date; (4) First five and quarter years fixed rate. In June 2026, MONETA issued a EUR 150 million AT1 capital instrument to further optimise its capital structure ISSUED BONDS AND CAPITAL INSTRUMENTS OVERVIEW Bond type/ISIN Issue date Currency Nominal (million) Interest type Interest rate First call option Maturity Moody’s rating Tier 2 CZ0003705188 30 Jan 2020 CZK 2,601 Float 5.71% 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 Unsecured2 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 Additional Tier 13 XS3402816162 17 Jun 2026 EUR 150 Fixed to float 6.875% p.a.4 After 5 years Perpetuity Ba1
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Events with Investors Distributed Dividends and Total Shareholder Return Capital Requirements Issued Bonds and Capital Instruments Overview Deposit and Lending Market Financial Statements & Key Performance Ratios Glossary of Terms • • • • • • • Appendix
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68 Deposit market (CZK bn) Commercial deposits (CZK bn) MONETA outperformed the commercial deposit market, while retail deposit growth reflected a disciplined repricing strategy CZECH DEPOSIT MARKET 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 repo operations. Retail deposits (CZK bn) 328.8 3Q 331.2 4Q 340.7 1Q 339.1 2Q 3,769.6 3,834.3 3,903.8 3,935.7 Aug 3,937.5 336.3 +4.5% /+2.3% 104.1 3Q 109.2 4Q 109.3 1Q 115.3 2Q 3,614.0 3,532.3 3,712.9 3,789.6 Aug 3,850.8 114.2 +6.6% /+9.7%432.9 3Q 440.4 4Q 450.0 1Q 454.3 2Q 7,383.6 7,366.6 7,616.7 7,725.3 Aug 7,788.3 450.6 +5.5% /+4.1% Market MONETA 20262025 20262025 20262025
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69 Lending market – Gross loans (CZK bn) Commercial gross loans (CZK bn) MONETA continued to gain market share in commercial lending 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) 189.8 3Q 189.5 4Q 189.5 1Q 195.2 2Q 2,415.5 2,470.0 2,527.5 2,599.2 Aug 2,641.2 198.8 +9.3% /+4.7% 101.1 3Q 105.3 4Q 110.3 1Q 117.3 2Q 1,981.8 2,032.0 2,077.5 2,159.7 Aug 2,191.7 120.3 +10.6% /+18.9%291.0 3Q 294.8 4Q 299.8 1Q 312.5 2Q 4,397.3 4,501.9 4,605.0 4,758.9 Aug 4,832.8 319.1 +9.9% /+9.7% Market MONETA 20262025 20262025 20262025
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Events with Investors Distributed Dividends and Total Shareholder Return Capital Requirements Issued Bonds and Capital Instruments Overview Deposit and Lending Market Financial Statements & Key Performance Ratios Glossary of Terms • • • • • • • Appendix
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CZK m 30/09/2025 31/12/20251 30/09/2026 YtD % change YoY % Change Cash and cash balances at the central bank 19,267 20,898 23,185 10.9% 20.3% Derivative financial instruments with positive fair values 522 633 801 26.5% 53.4% Investment securities 124,455 120,112 128,374 6.9% 3.1% Hedging derivatives with positive fair values 2,271 1,829 4,292 134.7% 89.0% Change in fair value of items hedged on portfolio basis (138) 63 (1,421) n/a n/a Loans and receivables to banks2 56,574 60,568 43,908 (27.5)% (22.4)% Loans and receivables to customers 287,103 291,158 316,999 8.9% 10.4% Intangible assets 3,407 3,498 3,648 4.3% 7.1% Property and equipment 2,314 2,383 2,968 24.5% 28.3% Investments in associates 3 3 3 0.0% 0.0% Current tax assets 21 20 25 25.0% 19.0% Deferred tax assets 0 0 0 n/a n/a Other assets2 3,431 3,384 1,310 (61.3)% (61.8)% TOTAL ASSETS 499,230 504,549 524,092 3.9% 5.0% Due to banks2 3,847 3,581 6,689 86.8% 73.9% Due to customers2 432,946 440,410 452,440 2.7% 4.5% Derivative financial instruments with negative fair values 488 477 590 23.7% 20.9% Hedging derivatives with negative fair values 3,070 3,441 1,337 (61.1)% (56.4)% Change in fair value of items hedged on portfolio basis 52 60 (368) n/a n/a Issued bonds 11,257 9,729 9,683 (0.5)% (14.0)% Subordinated liabilities 9,951 10,015 9,817 (2.0)% (1.3)% Provisions 274 309 311 0.6% 13.5% Current tax liabilities 154 242 302 24.8% 96.1% Deferred tax liabilities 504 435 412 (5.3)% (18.3)% Other liabilities2 5,018 4,624 8,420 82.1% 67.8% Total Liabilities 467,561 473,323 489,633 3.4% 4.7% 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% Equity instruments 0 0 3,623 n/a n/a Retained earnings 21,346 20,903 20,513 (1.9)% (3.9)% Total Equity 31,669 31,226 34,459 10.4% 8.8% TOTAL LIABILITIES & EQUITY 499,230 504,549 524,092 3.9% 5.0% 71 Note: (1) Audited/represented; (2) Data restated due to methodology changes. Consolidated statement of financial position FINANCIAL STATEMENTS
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CZK m 30/09/2024 31/12/20241 31/03/2025 30/06/2025 30/09/2025 31/12/20251 31/03/2026 30/06/2026 30/09/2026 Cash and cash balances at the central bank 11,816 13,541 18,019 21,476 19,267 20,898 11,574 15,793 23,185 Derivative financial instruments with positive fair values 504 596 491 494 522 633 675 682 801 Investment securities 106,040 116,664 123,081 123,727 124,455 120,112 127,603 130,854 128,374 Hedging derivatives with positive fair values 2,011 2,314 2,096 2,159 2,271 1,829 2,743 2,317 4,292 Change in fair value of items hedged on portfolio basis 864 200 366 207 (138) 63 (908) (587) (1,421) Loans and receivables to banks2 85,048 76,693 68,719 62,196 56,574 60,568 74,806 58,969 43,908 Loans and receivables to customers 270,364 275,383 277,742 283,193 287,103 291,158 296,275 308,885 316,999 Intangible assets 3,287 3,365 3,341 3,370 3,407 3,498 3,551 3,591 3,648 Property and equipment 2,236 2,260 2,426 2,361 2,314 2,383 2,312 2,987 2,968 Investments in associates 2 3 4 4 3 3 4 5 3 Current tax assets 92 70 15 26 21 20 31 45 25 Deferred tax assets 7 0 0 0 0 0 0 0 0 Other assets2 5,948 3,893 4,435 3,538 3,431 3,384 1,831 1,616 1,310 TOTAL ASSETS 488,219 494,982 500,735 502,751 499,230 504,549 520,497 525,157 524,092 Due to banks2 3,507 3,429 4,007 4,570 3,847 3,581 3,901 7,181 6,689 Due to customers2 421,424 429,806 432,823 438,090 432,946 440,410 450,022 454,309 452,440 Derivative financial instruments with negative fair values 467 532 458 477 488 477 512 470 590 Hedging derivatives with negative fair values 5,964 4,259 4,825 3,944 3,070 3,441 2,179 1,990 1,337 Change in fair value of items hedged on portfolio basis 135 78 87 76 52 60 (186) (113) (368) Issued bonds 11,545 11,562 11,559 11,631 11,257 9,729 9,862 9,881 9,683 Subordinated liabilities 7,568 7,622 7,529 7,593 9,951 10,015 9,979 12,072 9,817 Provisions 266 263 275 265 274 309 294 306 311 Current tax liabilities 63 47 76 71 154 242 395 228 302 Deferred tax liabilities 418 469 419 452 504 435 326 356 412 Other liabilities2 5,022 5,036 5,332 5,719 5,018 4,624 10,404 6,194 8,420 Total Liabilities 456,379 463,103 467,390 472,888 467,561 473,323 487,688 492,874 489,633 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 Equity instruments 0 0 0 0 0 0 0 3,623 3,623 Retained earnings 21,517 21,556 23,022 19,540 21,346 20,903 22,486 18,337 20,513 Total Equity 31,840 31,879 33,345 29,863 31,669 31,226 32,809 32,283 34,459 TOTAL LIABILITIES & EQUITY 488,219 494,982 500,735 502,751 499,230 504,549 520,497 525,157 524,092 72 Note: (1) Audited/represented; (2) Data restated due to methodology changes. Consolidated statement of financial position – quarterly development FINANCIAL STATEMENTS
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CZK m 3Q 2025 YtD 3Q 2026 YtD % Change Interest and similar income 14,750 15,902 7.8% Interest expense and similar charges (7,505) (7,951) 5.9% Net interest income 7,245 7,951 9.7% Fee and commission income 2,884 3,197 10.9% Fee and commission expense (359) (519) 44.6% Net fee and commission income 2,525 2,678 6.1% Dividend income 0 0 n/a Net income from financial operations 481 497 3.3% Other operating income 74 46 (37.8)% Total operating income 10,325 11,172 8.2% Personnel expenses (1,877) (1,984) 5.7% Administrative expenses (1,213) (1,140) (6.0)% Depreciation and amortisation (874) (802) (8.2)% Regulatory charges (195) (212) 8.7% Other operating expenses (46) (45) (2.2)% Total operating expenses (4,205) (4,183) (0.5)% Profit for the period before tax and net impairment of financial assets 6,120 6,989 14.2% Net impairment of financial assets (342) (492) 43.9% Profit for the period before tax 5,778 6,497 12.4% Taxes on income (878) (975) 11.0% Profit for the period after tax 4,900 5,522 12.7% Total comprehensive income attributable to the equity holders 4,900 5,522 12.7% 73 Consolidated statement of profit or loss and other comprehensive income FINANCIAL STATEMENTS
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CZK m 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Interest and similar income 5,345 5,147 4,911 4,955 4,884 4,931 5,018 5,292 5,592 Interest expense and similar charges (3,040) (2,718) (2,574) (2,534) (2,397) (2,469) (2,500) (2,648) (2,803) Net interest income 2,305 2,429 2,337 2,421 2,487 2,462 2,518 2,644 2,789 Fee and commission income 919 1,008 959 937 988 1,009 1,024 1,075 1,098 Fee and commission expense (165) (194) (111) (119) (129) (134) (161) (169) (189) Net fee and commission income 754 814 848 818 859 875 863 906 909 Dividend income 0 0 0 0 0 1 0 0 0 Net income from financial operations 164 182 168 146 167 246 138 130 229 Other operating income 22 19 25 27 22 15 20 12 14 Total operating income 3,245 3,444 3,378 3,412 3,535 3,599 3,539 3,692 3,941 Personnel expenses (632) (787) (609) (624) (644) (891) (661) (680) (643) Administrative expenses (380) (437) (380) (443) (390) (431) (365) (397) (378) Depreciation and amortisation (307) (314) (293) (292) (289) (288) (266) (268) (268) Regulatory charges 0 0 (195) 0 0 0 (209) (3) 0 Other operating expenses (11) (15) (21) (16) (9) (24) (12) (19) (14) Total operating expenses (1,330) (1,553) (1,498) (1,375) (1,332) (1,634) (1,513) (1,367) (1,303) Profit for the period before tax and net impairment of financial assets 1,915 1,891 1,880 2,037 2,203 1,965 2,026 2,325 2,638 Net impairment of financial assets (114) (35) (151) (117) (74) (102) (160) (254) (78) Profit for the period before tax 1,801 1,856 1,729 1,920 2,129 1,863 1,866 2,071 2,560 Taxes on income (269) (284) (263) (292) (323) (262) (283) (308) (384) Profit for the period after tax 1,532 1,572 1,466 1,628 1,806 1,601 1,583 1,763 2,176 Total comprehensive income attributable to the equity holders 1,532 1,572 1,466 1,628 1,806 1,601 1,583 1,763 2,176 74 Consolidated statement of profit or loss and other comprehensive income - quarterly development FINANCIAL STATEMENTS
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Profitability 3Q 2025 YtD FY 2025 3Q 2026 YtD YtD change in pp YoY Change in pp Yield 4.8% 4.9% 5.0% 0.1 0.2 Cost of funds1 2.18% 2.16% 2.21% 0.05 0.03 Cost of funds on customer deposits (% avg deposits) 2.05% 2.02% 2.07% 0.05 0.02 NIM (% avg int earning assets) 2,3,4 2.0% 2.0% 2.1% 0.1 0.1 Credit costs ratio (% avg net customer loans) 0.16% 0.16% 0.22% 0.06 0.06 Risk-adj. yield (% avg net customer loans) 4.7% 4.7% 4.8% 0.1 0.1 Net fee & commission income / Operating income 24.5% 24.4% 24.0% (0.4) (0.5) Net non-interest income / Operating income 29.8% 30.3% 28.8% (1.5) (1.0) Cost-to-income ratio 40.7% 41.9% 37.4% (4.5) (3.3) RoTE 23.1% 23.4% 23.9% 0.5 0.8 RoE 20.6% 20.8% 21.4% 0.6 0.8 RoAA2 1.3% 1.3% 1.4% 0.1 0.1 Liquidity / Leverage Loan to deposit ratio 66.3% 66.1% 70.1% 4.0 3.8 Total equity / Total assets 6.3% 6.2% 6.6% 0.4 0.3 High-quality liquid assets / Customer deposits 39.6% 39.6% 35.4% (4.2) (4.2) Liquidity coverage ratio 334.6% 320.6% 282.2% (38.4) (52.4) Capital Adequacy RWA density 33.2% 32.6% 34.2% 1.6 1.0 Total CAR 19.97% 18.70% 19.03% 0.33 (0.94) CET1 ratio 15.21% 14.13% 13.14% (0.99) (2.07) Tier 1 ratio 15.21% 14.13% 15.14% 1.01 (0.07) Asset Quality Non-performing loan ratio 1.1% 1.0% 0.9% (0.1) (0.2) Core non-performing loan coverage 45.1% 42.3% 46.9% 4.6 1.8 Total NPL coverage 121.3% 122.1% 120.4% (1.7) (0.9) Loan to value ratio5 52.1% 52.1% 51.1% (1.0) (1.0) Loan to value ratio on new volumes (weighted average) 56.1% 56.1% 57.0% 0.9 0.9 Operating platform Branch network 122 122 118 (3.3)% (3.3)% Own & shared ATMs6 1,942 1,942 1,921 (1.1)% (1.1)% Total employees7 2,465 2,469 2,423 (1.9)% (1.7)% 75 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 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Yield 4.9% 4.9% 4.8% 4.8% 4.8% 4.9% 4.9% 5.0% 5.1% Cost of funds1 2.70% 2.37% 2.24% 2.19% 2.08% 2.12% 2.11% 2.18% 2.27% Cost of funds on customer deposits (% avg deposits) 2.63% 2.25% 2.11% 2.06% 1.93% 1.96% 1.99% 2.04% 2.13% NIM (% avg int earning assets) 2,3,4 2.0% 2.0% 1.9% 2.0% 2.0% 2.0% 2.0% 2.1% 2.2% Credit costs ratio (% avg net customer loans) 0.17% 0.05% 0.22% 0.17% 0.10% 0.14% 0.22% 0.34% 0.10% Risk-adj. Yield (% avg net customer loans) 4.7% 4.8% 4.6% 4.7% 4.7% 4.7% 4.7% 4.7% 5.0% Net fee & commission income / Operating income 23.2% 23.6% 25.1% 24.0% 24.3% 24.3% 24.4% 24.5% 23.1% Net non-interest income / Operating income 29.0% 29.5% 30.8% 29.0% 29.6% 31.6% 28.8% 28.4% 29.2% Cost-to-income ratio 41.0% 45.1% 44.3% 40.3% 37.7% 45.4% 42.8% 37.0% 33.1% RoTE 21.5% 22.1% 19.5% 24.6% 25.6% 23.1% 21.6% 24.6% 28.2% RoE 19.2% 19.7% 17.6% 21.8% 22.8% 20.5% 19.3% 21.8% 25.3% RoAA2 1.3% 1.3% 1.2% 1.3% 1.4% 1.3% 1.2% 1.3% 1.7% Liquidity / Leverage Loan to deposit ratio 64.2% 64.1% 64.2% 64.6% 66.3% 66.1% 65.8% 68.0% 70.1% Total equity / Total assets 6.5% 6.4% 6.7% 5.9% 6.3% 6.2% 6.3% 6.1% 6.6% High-quality liquid assets / Customer deposits 43.4% 43.4% 41.8% 40.7% 39.6% 39.6% 39.3% 39.2% 35.4% Liquidity coverage ratio 340.1% 357.2% 366.6% 339.0% 334.6% 320.6% 414.7% 300.0% 282.2% Capital Adequacy RWA density 35.6% 35.0% 32.7% 33.3% 33.2% 32.6% 32.7% 33.9% 34.2% Total CAR 19.23% 18.25% 19.13% 18.53% 19.97% 18.70% 17.88% 19.95% 19.03% CET1 ratio 15.30% 14.46% 15.34% 15.04% 15.21% 14.13% 13.72% 13.12% 13.14% Tier 1 ratio 15.30% 14.46% 15.34% 15.04% 15.21% 14.13% 13.72% 15.13% 15.14% Asset Quality Non-performing loan ratio 1.4% 1.3% 1.3% 1.2% 1.1% 1.0% 1.0% 0.9% 0.9% Core non-performing loan coverage 46.4% 39.5% 39.7% 40.7% 45.1% 42.3% 41.0% 44.8% 46.9% Total NPL coverage 112.0% 113.6% 111.1% 113.7% 121.3% 122.1% 123.1% 124.5% 120.4% Loan to value ratio 5 56.1% 53.4% 53.3% 52.5% 52.1% 52.1% 51.7% 50.5% 51.1% Loan to value ratio on new volumes (weighted average) 56.0% 54.1% 53.5% 56.9% 57.4% 56.1% 58.5% 56.4% 57.1% Operating platform Branch network6 134 124 124 122 122 122 123 118 118 Own & shared ATMs7 1,981 1,966 1,936 1,948 1,942 1,942 1,920 1,917 1,921 Total employees8 2,516 2,524 2,453 2,470 2,472 2,479 2,446 2,420 2,404 76 Note: (1) Deposits include issued bonds and exclude opportunistic repo operations. Data restated in 2Q 2024 and 3Q 2024; (2) Including opportunistic repo operations; (3) Interest earning assets include encumbered assets. Data restated in 3Q 2024 and 2Q 2025 due to methodology changes; (4) Hedging derivatives are excluded from the calculation of interest earning assets; (5) On performing retail mortgage loans only; (6) 2Q 2026 number of branches as at 1 July 2026; (7) ATM network including MONETA ATMs, Komerční banka ATMs, Air Bank ATMs and UniCredit Bank ATMs; (8) 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 Distributed Dividends and Total Shareholder Return Capital Requirements Issued Bonds and Capital Instruments 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 CET1 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 78 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 Credit costs ratio (% 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. Credit costs shown as the amount 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 credit costs 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 79 GLOSSARY 2/3
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80 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 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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81 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 53 and 55.
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82 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