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MONETA Money Bank, a.s. Consolidated interim ﬁnancial report as at and for the nine months ended 30 September 2026

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 2 Content 1 Disclaimer ............................................. 3 2 Letter from the Chairman of the Management Board ........................................................... 4 3 Key Performance Indicators ...................... 8 4 Macroeconomic Environment ................... 9 5 Group Performance ................................ 10 5.1 Business Performance ........................ 10 5.2 Financial Performance ........................ 10 5.3 Outlook for 2026 and Risks................... 11 6 Basic Information about MONETA Money Bank, a.s. ..................................................... 12 7 Consolidated Interim Financial Statements for the Three and Nine-Month Period Ended 30 September 2026 (Unaudited) .......................... 14 7.1 Consolidated Interim Statement of Proﬁt or Loss and Other Comprehensive Income for the Three and Nine-Month Period Ended 30 September 2026 (Unaudited) ....................... 14 7.2 Consolidated Interim Statement of Financial Position as at 30 September 2026 (Unaudited) ............................................... 15 7.3 Consolidated Interim Statement of Changes in Equity for the Nine-Month Period Ended 30 September 2026 (Unaudited) ......... 16 7.4 Consolidated Interim Statement of Cash Flows for the Nine-Month Period Ended 30 September 2026 (Unaudited) ....................... 17 8 Notes to Unaudited Consolidated Interim Financial Statement ....................................... 19 8.1 Reporting Entity ................................ 19 8.2 Basis of Preparation and Presentation ... 19 8.3 Use of Judgements and Estimates ........ 19 8.4 Material Accounting Policies ................ 19 8.5 Consolidation Group ......................... 20 8.6 Dividends Paid ................................. 20 8.7 Net Interest Income ........................... 21 8.7.1 Analysis of Deferred Costs and Fees 22 8.8 Net Fee and Commission Income ......... 24 8.9 Total Operating Expenses ................... 24 8.10 Investment Securities ........................ 24 8.11 Loans and Receivables to Banks .......... 25 8.12 Loans and Receivables to Customers .... 25 8.13 Due to Banks .................................... 25 8.14 Due to Customers ............................. 26 8.15 Issued Bonds ................................... 26 8.16 Subordinated Liabilities ..................... 27 8.17 Equity Instruments ............................ 28 8.18 Legal Risks ....................................... 28 8.18.1 Legal Disputes ............................. 28 8.19 Segment Reporting ........................... 29 8.20 Related Parties ..................................31 8.21 Risk Management ............................. 33 8.21.1 Capital Management .................... 33 8.21.2 Loans and Receivables to Banks and Customers according to Their Categorisation 35 8.21.3 Walk of Allowances to Loans and Receivables to Customers ........................ 36 8.21.4 Breakdown of Allowances According to Loan Type and Stages .......................... 39 8.21.5 Coverage of Non-performing Loans and Receivables .....................................40 8.21.6 Net Impairment of Financial Assets ..40 8.21.7 Maximum Credit Risk Exposures ...... 41 8.22 Fair Values of Financial Assets and Liabilities.................................................. 43 8.23 Subsequent Events ........................... 44 9 Management Affidavit ............................ 45 10 Alternative Performance Measures ........... 46 11 Glossary .............................................. 48

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1 Disclaimer Forward-looking statements This report may contain projections, estimates, forecasts, targets, opinions, prospects, results, returns and forward -looking statements with respect to the financial guidance, profitability, costs, assets, capital position, financial condition, results of operations, dividend and business (together “forward -looking statements”) of MONETA Money Bank, a.s. (the “Bank”), and its consolidated subsidiaries (the “Group” or “MONETA”). 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 report is made as at the date of this report. The Bank 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. Dividend guidance Subject to corporate and regulatory limitations, including limitations imposed by the regulator. T he Bank’s target is to distribute the Group’s excess capital above that required to meet the Group’s internal target of the capital adequacy ratio, which is 15.5% (effective from 30 June 2026). However , the internal capital adequacy ratio target is not legally binding upon the Group and is subject to change on the basis of the ongoing reassessment by the Management Board of the Bank based on the business results and development. 1 Mid-term guidance published on 3 February 2026. 2 Internal forecast derived from macroeconomic forecast from CNB published in November 2025 (https://www.cnb.cz/en/monetary- policy/forecast/cnb-forecast-archive/CNB-forecast-Autumn-2025/). 3 Based on internal assumptions. Material assumptions for forward-looking statements When preparing its guidance for 202 6–20301, MONETA has made several economic, market, operational, regulatory and other assumptions of both a quantitative and judgemental nature. These assumptions include the following: • GDP growth of 2.4% in 2026, 2.8% in 2027 and stable annual growth of 2.5% thereafter 2. • 1M PRIBOR assumed to be stable at 3.6% in the years 2026 –20303. • Gross performing loan balance is expected to grow at 6.1% CAGR in the five years until 2030. • Customer deposit balance is expected to grow at 3.6% CAGR in the five years until 2030. Third-party data Certain industry and market information in this report has been obtained by the Bank from third - party sources. The Bank has not independently verified such information , and the Bank does not provide any assurance as to the accuracy, fairness or completeness of such information or opinions contained in this report .

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 4 2 Letter from the Chairman of the Management Board Dear Shareholders, I am writing to you shortly after MONETA completed the first nine months of 2026. Throughout the period, we delivered strong profitability, solid lending growth, resilient asset quality and maintained strong capital and liquidity positions. Our net profit reached CZK 5.5 billion, representing a year -on-year increase of 12.7 per cent, a performance supported by higher net interest income as well as growth in third party commission income. At the same time, we maintained strong cost discipline. Operating expenditures remained stable at CZK 4.2 billion, while credit costs materialised at CZK 492 million, in line with our expectations. Reflecting on our solid performance, we are increasing our full- year net profit guidance by CZK 500 million to a target of CZK 7.1 billion. And we continue to accrue 90 per cent of current net earnings for future dividend distributions. Despite our solid performance, we have decided not to pursue an extraordinary dividend as we did in the previous two years for the reasons explained below. This decision reflects the current operating environment, which remains influenced by geopolitical uncertainty and renewed inflationary pressures. We therefore aim to preserve strong capital and liquidity positions. With respect to maintaining our liquidity position, we continue to observe elevated competition for deposit balances across the market. And additionally, our deposit balances are being converted into wealth management products as clients seek higher returns. We are also affected by the outflow of deposits into government bonds as the Ministry of Finance seeks to diversify its funding base into the realm of retail investors. Liquidity also continued to be absorbed through loan origination, where a growing loan book improved our ability to generate stronger interest income. In this context, our loan- to-deposit ratio increased to 70 .1 per cent following strong loan portfolio growth of 8.8 per cent. And the recent repayment of our Tier 2 bond in the nominal value of CZK 2 billion also impacted the overall liquidity position. The rationale for the early repayment of this bond concerned a reduction in capital efficiency as well as cost considerations. Despite these factors concerning the overall deposit position, we were able to generate 2.7 per cent growth in the customer deposit base to reach a balance of CZK 452 billion. Nonetheless, our level of high -quality liquid assets decreased to 31 per cent of the overall balance sheet. Although this level remains satisfactory, we intend to focus on liquidity and funding during the upcoming quarter and into 2027. Now let me provide a brief summary of other developments. I am pleased to report our continued focus on innovation. This mainly concerns our efforts in building new, and reinforcing existing, digital capabilities. Our success in this realm is evidenced by the ongoing growth in registered users, overall growth i n digitally enabled servicing transactions, and growth in sales. In this regard, we continue to invest and incorporate feedback from our clients and are seeking to expand our digital reach. We have also continued to improve and optimise our branch and ATM networks. Here, I would like to mention our recent introduction of euro - denominated deposits throughout the ATMs. In the upcoming quarter, we will seek to enable also euro-denominated withdr awals.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 5 Concerning our branch network, we completed two branch openings, focusing on opportunities in Prague and Pilsen, and we closed six branch locations in line with our ongoing branch optimisation effort. Furthermore, we are currently reevaluating the future v iability of additional ten branch locations. In our contact centre we have improved the overall cost structure through the deployment of tools driven by artificial intelligence (AI) and are continuing to seek efficiency -related opportunities. In this respect, we have improved client-related service m etrics as well as overall client satisfaction levels. Additionally, we have been able to significantly reduce fraud related losses incurred by our clients. Our investments in this area have produced consistent and tangible results. We are also planning to implement a state -of-the art anti - fraud platform furth er reinforcing our capabilities on this front. With respect to our implementation of AI, we have assumed the position of cautious follower, rather than pioneer, as we seek to manage risk and implement proven solutions. So far, we have implemented AI tools in several areas – IT delivery, money launderin g prevention, card chargebacks, invoice processing and client -originated email processing. In this respect, we are also focusing on reinforcement of cyber security and are assessing risks with the assistance of a global consultancy. Economic Environment The Czech economy continued to expand at a moderate, but lower than expected, growth rate. The labour market remained resilient with a low unemployment level, most recently at 3.4 per cent in August. Nominal wages increased by 6.4 per cent while real wage s, adjusted for inflation, grew by 4.3 per cent in the second quarter. In September inflation was 2.5 per cent, 50 basis points above the CNB target. Geopolitical tensions and Middle East conflicts which have led to an increase of energy prices, have evidently contributed to elevated inflation. Concurrently, bond markets have begun to question the sustainability of sovereign levels of debt and deficits. Locally, here in the Czech Republic, we can observe a widening state budget deficit as well as gradually increasing debt levels. And additionally, looking at government bond yields and the development in the interest rate swap market, we get a clear pictu re of rising interest rates with the potential of additional hikes by the central bank. In this context, we have observed an increase of around 100 basis points in Czech five - and ten- year interest -swap rates since the beginning of the year. During the third quarter, the Czech National Bank maintained its benchmark two -week repo rate at 3.75 per cent. Nonetheless, the probability of an additional upward adjustment during the fourth quar ter has certainly risen. Consequently, further expansion of government spending and the future likelihood of the government deficit worsening have initiated debate regarding sector related taxes. Oil -refining may be the first industry to be subjected to such a potential levy. The banking sector has also been mentioned as a potential candidate for additional taxation. Furthermore, the banking sector has been subjected to criticism for alleged excessive profitability , increasing mortgage rates and dividend outflows from the Czech Republic. Overall, and so far, the operating environment has been broadly stable. Nonetheless, there are tangible risks concerning lower than expected economic growth, slightly increasing unemployment, returning inflationary pressures and an unyielding government de ficit. These risks are expressed in higher interest rates as well as renewed sector taxation rhetoric. Henceforth, we are expecting stronger headwinds. Financial Performance On a year-to-date basis, we generated a net profit of CZK 5.5 billion, up 12.7 per cent, thanks to higher operating income and stable operating expenses. Operating income increased by 8.2 per cent to CZK 11.2 billion and was supported by 9.7 per cent growth in net interest income, reaching CZK 8 billion. Our interest income increased by 7.8 per cent to CZK 15.9 billion. Whilst our interest expense amounted to CZK 8 billion, up 5.9 per cent. Overall, we benefited from a higher loan book balance as well as mortgage book repricing. Additionally, we d eployed a selective deposit repricing policy to manage funding costs. Net fee and commission income rose by 6.1 per cent to CZK 2.7 billion, driven mainly by third - party commission income of CZK 1.8 billion, up 16.6 per cent. We have also deployed, on a selective basis, fee repricing to reflect inflation. Operating expenses remained stable at CZK 4.2 billion. However, individual categories had their own dynamic. Personnel expenses rose by 5.7 per cent to CZK 2 billion and regulatory charges were up 8.7 per cent to CZK 212 million. But these were offset by lower depreciation and amortisation charges, do wn 8.2 per cent to CZK 802 million, and administrative expenses, which were down 6 per cent to CZK 1.1 billion. Our risk profile continued to post a satisfactory performance with credit costs amounting to

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 6 CZK 492 million, or 22 basis points. These charges were positively impacted by updated economic scenarios and the release of remaining management overlays. In the future we anticipate gradually increasing credit costs due to the absence of future reserve relea ses and structural shifts in our lending activity. Our effective tax rate for the period under review was in line with our expectations at 15 per cent. Our balance sheet stood at CZK 524 billion as at 30 September, an increase of 3.9 per cent since the start of the year. We continued to maintain strong capital and liquidity positions: our capital adequacy ratio stood at 19.03 per cent, and our liquidity coverage ratio amounted to 282 per cent. Business Performance Our lending business has performed well, with overall loan portfolio growth of 8.8 per cent to nearly CZK 318 billion. This was accomplished by new volumes totalling CZK 76.6 billion, up 39.2 per cent, driven by mortgage, small business and SME lending. Our overall deposit balances increased by 2.7 per cent to CZK 452 billion, with retail deposits accounting for CZK 337 billion and commercial deposits CZK 115 billion. This level of deposit growth reflects intense competition and other developments describ ed at the beginning of my letter. We end the quarter with 1.6 million clients, delivering nascent growth on the overall base. The slower pace in retail client acquisition is a consequence of our deposit pricing policy and a focus on cross -selling to existing clients. Retail In our retail business, loan balances were up 5.1 per cent to CZK 197 billion, benefiting from higher new volumes, as mentioned earlier. Our mortgage balance was up 5.7 per cent to CZK 141 billion and consumer loans rose by 7.7 per cent to CZK 43.8 billion, both supported by significant increases in new volumes. Other retail portfolios, including Auto, housing loans and revolving products, amounted to CZK 12.2 billion. Investment fund distribution continued to grow. Total invested balances rose by 15.9 per cent to CZK 91.4 billion, with new volumes of CZK 16.3 billion. Although market volatility kept our sale of mutual funds stable compared to last year, we succeeded in the distribution of principal -protected structured products and have successfully introduced a proposition for qualified investors. The related fee income increased by 31.9 per cent to CZK 843 million. Our distribution of insurance products recorded stable results, with life insurance sales growing 5.1 per cent against last year, with almost 8,000 policies sold. The overall insurance business generated fee income of CZK 910 million, a rise of 5.3 per cent. We also improved the distribution of pension funds where our focus had been on an improved quality of production. Here, we sold approximately 20,000 contracts and significantly improved underlying cash flows, achieving 12.9 per cent growth in related commissions. Commercial Our commercial business has been strong, reflecting the quality of our SME and small business loan products as well as the motivation of our distribution networks. The commercial loan balance grew by 15.5 per cent to reach CZK 120 billion. The strongest growth was achieved in secured lending, accenting our aim to increase collateralisation of the overall loan book. In this respect, the SME loan portfolio grew by 13.4 per cent to CZK 95 billion and the small business portfolio increased by 23.8 per cent to CZK 25.4 billion. Commercial deposits rose by 5.5 per cent to CZK 115 billion. We have successfully increased current account and term deposit balances and achieved strong growth in escrow account balances. Additionally, we also attracted a number of large depositors through attractive rates offered on short term product s. Our wide portfolio of commercial services continues to attract businessmen and businesswomen to our bank. So far this year, almost 14,000 entrepreneurs and their companies have brought their banking business to MONETA, bringing our commercial client base u p to more than 157,000. Risk Section As at 30 September, credit costs stood at CZK 492 million, or 22 basis points, which is at the lower end of our updated outlook of 20–30 basis points. Our overall loan portfolio continued to benefit from low delinquencies and the disposal of non-performing loans. So far, we have successfully sold CZK 883 million of non - performing loans, which generated a gain of CZK 65 million. This represents a positive value between realised prices and the net book value of such receivables. Additionally, credit costs were positively impacted by an update of macroeconomic scenarios concerning our IFRS 9 model. New variables of GDP growth, unemployment levels and other considerations resulted in the release of provisions of CZK 186 million.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 7 And finally, I am pleased to report that our operational risks remained stable and corresponded with our risk appetite limits. In this respect, we have had no events with a material financial impact. Capital Position We maintained a strong capital position, comfortably above regulatory requirements. Regulatory capital stood at CZK 34.5 billion as at 30 September, and our capital adequacy ratio was 19.03 per cent, above our management target of 15.5 per cent, to give ex cess capital of CZK 6.4 billion. And as noted earlier, we will accrue 90 per cent of this year’s net profit for future dividend payments. During the year we further strengthened and optimised our capital structure through the successful issuance of a EUR 150 million Additional Tier 1 instrument. In September, we decided on the early redemption of a CZK 2 billion Tier 2 instrument that had be come capital less efficient. And finally, our MREL position stood at 27.4 per cent as at 30 September, well above our management MREL target of 22.3 per cent. Digital Our digital service offering continues to grow. The award-winning Smart Banka mobile banking application now offers the Long -Term Investment Product, or DIP, that was introduced in 2024 as a government -supported framework to encourage long-term retirement savings through tax incentives and diversified inve stment options. Clients can now switch from a Tom Plus current account to a Gold account directly in Smart Banka, including opening a savings account and receiving a payment card. Customers can now also request a payment deferral directly through mobile banking. And among the practical new features in high demand is the ability to generate account statements and balance confirmations in both Czech and English via Smart Banka and Internet Banka. Our commercial business has introduced a new feature allowing selected legal entities to open a business current account fully online. Such clients can also arrange for two free payment cards and open a savings account online. As I mentioned earlier in my letter, our implementation of AI solutions continues as we seek to enhance client services and internal efficiencies. Clients benefit from AI tools that reduce waiting and response times to, respectively, calls and email corres pondence. While our internal use of AI tools has improved processes within our IT and elsewhere, such as card chargeback operations and invoice processing. About a third of our staff are now equipped with premium Copilot licences, which supports higher personal and team productivity. Moreover, AI is helping both MONETA and its clients in relation to risk management and cyber security. Certain AI applications help us to detect and manage activities regarding anti -money laundering and other fraudulent practices. Both MONETA and its clients are seeing real advances in cyber security and the fight against fraud thanks to AI -assisted security measures: in the three quarters of this year client losses arising from attempted payment fraud decreased by 38 per cent compared to the previous year. ESG I am pleased to report that MSCI upgraded our ESG rating to AAA, which is testament to everyone at MONETA who works within this key area of our overall strategy. MSCI noted that our data protection practices are leading among peers, based on privacy and da ta security management. And it is especially pleasing that MONETA’s employee management was assessed as robust, with practices that are ahead of industry peers in human capital development. Conclusion And that seems an appropriate point on which to conclude my letter and to extend, on behalf of the Management Board, our thanks to the staff for their diligence, hard work and contribution to our success so far this year. Let's keep it up as we head towards the final months of the year . Yours sincerely, Tomáš Spurný Chairman of the Management Board and CEO MONETA Money Bank, a.s

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 8 3 Key Performance Indicators Nine months ended 30 Sep 2026 Year ended 31 Dec 2025 Change Profitability Net interest margin4, 5,6 2.1% 2.0% 10bps Yield 5.0% 4.9% 10bps Cost of funds7 2.21% 2.16% 5bps Cost of funds on customer deposits 2.07% 2.02% 5bps Credit costs ratio 0.22% 0.16% 6bps Risk-adjusted yield 4.8% 4.7% 10bps Net fee and commission income / Operating income 24.0% 24.4% (40)bps Net non-interest income / Operating income 28.8% 30.3% (150)bps Return on Tangible Equity (RoTE) 23.9% 23.4% 50bps Return on Equity (RoE) 21.4% 20.8% 60bps Return on Average Assets (RoAA)4 1.4% 1.3% 10bps Liquidity / Leverage Loan to deposit ratio 70.1% 66.1% 400bps Total equity / Total assets 6.6% 6.2% 40bps High-quality liquid assets / Customer deposits 35.4% 39.6% (420)bps Liquidity coverage ratio 282.2% 320.6% (3,840)bps Equity Total equity (CZK m) 34,459 31,226 10.4% Tangible equity (CZK m) 30,811 27,728 11.1% Capital adequacy RWA Density 34.2% 32.6% 160bps Capital adequacy ratio (CAR) 19.03% 18.70% 33bps Tier 1 Ratio 15.14% 14.13% 101bps Asset quality Non-performing loan ratio 0.9% 1.0% (10)bps NPL ratio retail 0.9% 1.0% (10)bps NPL ratio commercial 0.9% 1.0% (10)bps Core non-performing loan coverage 46.9% 42.3% 460bps Core NPL coverage retail 46.3% 42.4% 390bps Core NPL coverage commercial 47.8% 42.2% 560bps Total NPL coverage 120.4% 122.1% (170)bps Efficiency Cost to income ratio 37.4% 41.9% (450)bps Average number of employees for the period (FTEs)8 2,423 2,469 (46) Branches 118 122 (4) Own & shared ATMs9 1,921 1,942 (21) All ratios are annualised. 4 Interest earning assets include encumbered assets. 5 Including opportunistic repo operations. 6 Hedging derivatives are excluded from the calculation of interest earning assets. 7 Deposits include issued bonds and exclude opportunistic repo transactions. 8 Excluding members of the Supervisory Board. 9 Shared ATM network including 545 MONETA ATMs, 745 KB ATMs, 372 Air Bank ATMs and 259 UniCredit Bank ATMs as at 30 September 2026 and 561 MONETA’s ATMs, 757 KB ATMs, 370 Air Bank ATMs and 254 UniCredit Bank ATMs as at 31 December 2025.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 9 4 Macroeconomic Environment In the third quarter of this year, the Czech economy continued to grow, but the slowdown caused by global geopolitical developments persisted. The economy continues to be driven by strong household consumption, whilst inventory build-up is having a negative impact. In contrast to the start of the year, external demand and corporate investment in gross fixed capital have also begun to make a visibly positive contribution. Uncertainty in global markets, caused by unpredictable geopolitical developments, unfortunately persists and remains the main risk to the future performance of the Czech economy. In the second quarter of this year, the Czech Republic’s gross domestic product rose by 1.8 % year-on-year and by 0.3 % quarter-on-quarter 10. Year-on-year, GDP was supported in particular by household consumption and gross fixed capital formation, whilst changes in inventories had a negative impact. The consistently positive trend among Czech consumers is underlined by retail sales performance, which rose by 4.3 % year-on-year in August and by 0.2 % month-on-month 11. Industrial production is also growing, albeit at a noticeably slower pace, rising by 2.6 % year-on-year in August, whilst the value of new orders in the same period increased by 5.9 % compared with the previous year 12. In recent months, it has been evident that new industrial orders are coming mainly from abroad, whilst domestic orders are tending to fall slightly. Construction output declined compared with last year, shrinking by 1.4% year-on-year in August 13. The slowdown in the construction sector is mainly attributable to civil engineering works, due to the high comparative base in the previous year. Inflation continues to be influenced by high and relatively volatile oil prices and, consequently, fuel prices. In September, the price of Brent crude oil once again rose above the USD 100 per barrel, and this was reflected accordingly in fuel prices at domestic petrol stations. Inflation therefore rose again in September, reaching 2.5 % 14, as measured by the year -on-year increase in the consumer price index. Higher inflationary pressures are still evident in the prices of services, and the Czech National Bank is therefore maintaining its main monetary policy interest rate, the two -week repo rate, at a higher level of 3.75 % 15. 10 Source: Czech Statistical Office, Quarterly Sector Accounts – 2nd quarter 2026. 11 Source: Czech Statistical Office, Retail Trade – August 2026. 12 Source: Czech Statistical Office, Industry – August 2026. 13 Source: Czech Statistical Office, Construction – August 2026. 14 Source: Czech Statistical Office, Consumer Price Indices – inflation – September 2026. 15 Source: Czech National Bank, Decision of the Bank Board of 17 September 2026. 16 Source: Czech Statistical Office, Employment, Unemployment and Economic Activity Rates – August 2026. 17 Source: Czech Statistical Office, Average Wages – 2nd quarter 2026. 18 Source: Czech National Bank, CNB Forecast – Summer 2026, published on 6 August 2026. 19 Source: Czech National Bank, ARAD quarterly mandatory disclosures, total banking sector. The labour market remains stable and unemployment continues to be very low. The unemployment rate, measured according to ILO methodology, stood at 3.4 % in August 16. Although the unemployment rate rose slightly by 30 basis points compared with August last year, its current level, together with the relatively positive macroeconomic outlook, does not give cause for concern regarding labour market developments. The financial situation of households has improved, partly due to the continuing faster growth in wages; the average nominal gross monthly wage rose by 6.4 % year-on-year in the second quarter 17, and by 4.3 % in real terms. Although wage growth has slowed slightly, rising wages continue to act as one of the main drivers of both growth and inflation. The Czech economy continued its growth trend in the third quarter of this year, and the outlook for the coming period remains relatively positive. However, several factors could pose a threat to the Czech economy in the future, the most significant of which are global geopolitical developments and their consequences. According to the CNB’s latest macroeconomic forecast from August, the Czech economy is set to grow by 2.2% this year and by 2.7 % next year 18. In the first half of 2026, the total operating income of the Czech banking sector increased by 7.1 % year-on-year to CZK 143.9 billion, supported by growth in both net interest and net non- interest income. Net non- interest income rose by 9.7% , benefiting from an improvement in trading income , while net interest income grew by 5.7% year-on- year.19 The net profit of the Czech banking sector increased by 5.5% year-on-year to CZK 71.1 billion, the highest level since 2008, thanks to strong total operating income despite higher operating expenses and higher credit costs.19 The Czech banking sector remained well capitalised, supported by solid business performance. Total assets increased by 6.9% year-on-year to CZK 12,086 billion in the first half of 2026.19

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 10 5 Group Performance 5.1 Business Performance The gross performing loan portfolio increased by 8.8% to CZK 3 17.6 billion as at 30 September 2026, compared to 31 December 2025 . The retail gross performing loan portfolio stood at CZK 197.2 billion as at 30 September 2026, a 5.1% increase compared to 31 December 2025. This was mainly driven by a CZK 7.6 billion increase of mortgage balances to CZK 1 41.2 billion and a CZK 3.1 billion increase of consumer loans balance to CZK 4 3.8 billion. MONETA Auto retail loans increase d by CZK 0.2 billion to CZK 3 billion since 31 December 2025. In the same period, housing loans decreased by CZK 1 billion to CZK 7.1 billion and credit card and overdraft balances decreased by CZK 0.2 billion , reaching CZK 2.1 billion. The commercial gross performing loan portfolio stood at CZK 120.4 billion as at 30 September 2026, a 1 5.5% increase compared to 31 December 2025. Small business lending balances increased by CZK 4.9 billion to CZK 2 5.4 billion since the beginning of 2026. In the same period, the investment loan balance increased by CZK 9.9 billion to CZK 6 7.1 billion and the working capital balance grew by CZK 1. 2 billion to CZK 17.4 billion. The combined balance of the MONETA Auto commercial portfolio and MONETA Leasing i ncreased by CZK 0.2 billion to CZK 10.6 billion, compared to 31 December 2025 . The Group’s customer deposits reached CZK 452.4 billion as at 30 September 2026, representing growth of 2.7% from CZK 440.4 billion as at 31 December 2025. This increase was driven by growth of CZK 6 billion in the commercial segment, supported by a CZK 6 billion increase in the retail segment. The cost of funds on customer deposits reached 2.07% and the Group’s cost of funds reached 2.21% for the first three quarters of 2026. The loan -to-deposit ratio stood at 70.1%. The due to banks balance reached CZK 6.7 billion as at 30 September 2026, a CZK 3.1 billion increase when compared to 31 December 2025. The Group maintained a highly liquid position, with the liquidity coverage ratio at 28 2.2% at the Group level, well above the regulatory requirement. 5.2 Financial Performance The Group generated a consolidated net profit of CZK 5.5 billion in the first three quarters of 2026, representing growth of 12.7% compared to the same period of 2025. In the same period, operating income amounted to CZK 11.2 billion, up 8.2% year -on-year. Net interest income and net fee and commission income increased by 9.7% and 6.1% year -on- year, respectively. Net income from financial operations increased year -on-year by 3.3%. Net interest income amounted to CZK 8 billion in the first three quarters of 2026 . The yield on the loan portfolio increased to 5%, compared to 4.8% in the same period of 2025. The Group’s net interest margin increased to 2.1%, compared to 2% in the same period of 2025. Net fee and commission income in the first three quarters of 2026 increased to CZK 2,678 million, driven by the successful distribution of third -party products, partially offset by higher fee expenses. Net income from financial operations amounted to CZK 497 million, compared to CZK 481 million in the same period of 2025. The CZK 16 million increase was mainly driven by higher income from client forex transactions in the first three quarters of 2026 compared with the same period in 2025. Operating expenses for the first three quarters of 2026 amounted to CZK 4,183 million, stable compared to the same period of 2025, with higher personnel expenses and regulatory charges offset by lower administrative and other operating expenses as well as depreciation and amortisation. The Group incurred personnel expenses of CZK 1,984 million, representing a 5.7% increase year -on-year, resulting from an increase in average salaries and higher sales and performance -driven compensation. Administrative and other operating expenses decreased by 5.9% year-on-year and reached CZK 1,185 million, mainly due to lower IT and facilities costs. Depreciation and amortisation expenses decreased by 8.2% and stood at C ZK 802 million. Regulatory charges reached CZK 212 million, increasing by 8.7% year -on-year, primarily due to the expansion of the deposit base. Net impairment of financial assets reached CZK 492 million, or 22 basis points of the average net loan portfolio, in the first three quarters of 2026, compared to CZK 342 million, or 16 basis points, in the same period last year. The Group’s NPL ratio stood at 0.9% as at 30 September 2026, compared to 1% as at 31 December 2025. Total NPL coverage stood at 120.4% as at 30 September 2026, compared to 122.1% as at 31 December 2025. As a result, the consolidated net profit for the first three quarters of 2026 reached CZK 5.5 billion, a 12.7% increase year -on-year. Annualised return on tangible equity for the first three quarters of 2026 increased by 80 basis points year -on-year and reached 23.9%, compared to 23.1% for the same period of 2025.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 11 The capital position remained solid, supported by the AT1 instrument issued in June 2026, with the capital adequacy ratio at 19.03% as at 30 September 2026, compared to 18.70% at the end of 2025. 5.3 Outlook for 2026 and Risks According to the Czech National Bank’s latest macroeconomic forecast, published on 6 August 2026, the Czech economy will grow at a rate of 2.2% this year. Next year, economic growth will accelerate to 2.7 per cent and stabilise at 2.5 % in 2028 20. This forecast assumes that inflation should average 2% this year; however, this is influenced by an administrative measure taken by the government, which transferred the renewable energy levy from electricity consumers’ bills to the state budget, thereby artificially pushing inflation down 21. Next year, consumer price index growth is expected to accelerate and reach 2.5 %; inflation is then expected to remain at a similar level, 2.4 %, in 2028. Interest rates are expected to follow a similar trend, with the CNB forecasting a rise of 20 basis points in 2027, followed by a return to 2026 levels in 2028. The outlook for the Czech Republic’s near -term economic future remains relatively positive, with economic growth exceeding 2 % over the next two years. However, it remains the case that this will depend heavily on global geopolitical developments, which have significantly influenced global commodity prices and global demand in recent years. Should the currently geographically limited conflicts escalate further, this could significantly destabilise not only global prices of key commodities but also global sentiment. The result would be a noticeable slowdown in growth, with the possibility of a slide into economic recession. Regarding the 2026 full- year outlook , based on the results for the first three quarters of 2026 and a number of material assumptions, management aims to outperform the initial guidance and deliver a net profit of at least CZK 7.1 billion, CZK 0.5 billion above the guidance published on 3 February 2026 : • Operating income is expected to reach CZK 15 billion, CZK 0.4 billion above the initial guidance , of which CZK 11.2 billion was delivered in the first three quarters of 2026. • Operating expenses are expected to amount to CZK 5.9 billion, CZK 0.1 billion below the initial guidance, of which CZK 4.2 billion was incurred in the first three quarters of 2026. • The credit costs ratio is projected at a range of 20–30 basis points of the average net loan portfolio. In the first three quarters of 2026, the annualised credit costs ratio amounted to 22 basis points. • The effective tax rate for the first three quarters of 2026 reached 15%, broadly in line with the guidance of 15.5% . • Net profit is targeted at a minimum of CZK 7.1 billion, CZK 0.5 billion above the initial guidance, of which CZK 5.5 billion was delivered in the first three quarters of 2026. 20 Source: Czech National Bank, CNB Forecast – Summer 2026, published on 6 August 2026. 21 Note on consumer energy prices – January 2026 | Statistics

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 12 6 Basic Information about MONETA Money Bank, a.s. Basic details about MONETA Money Bank, a.s. Name MONETA Money Bank, a.s. Registered Office Vyskočilova 1442/1b, 140 00 Praha 4 – Michle Company ID 25672720 Legal form Joint stock company Date of registration 9 June 1998 Registered share capital 10,220,000,000 Paid up 100% Branches, A TMs and employees: Number of branches as at: 30 September 2026: 118 31 December 2025: 122 Number of ATMs 22 in shared network as at: 30 September 2026: 1,921 31 December 202 5: 1,942 Average number of employees for the period (FTEs) 23: 30 September 2026: 2,423 31 December 202 5: 2,469 Business activities: The Bank and its consolidated subsidiaries (the “Group”) operate in the Czech Republic and focuses primarily on providing secured and unsecured lending, financing and building savings for both retail and commercial clients . The retail lending portfolio consists of mortgages, consumer and auto loans, credit cards, personal overdrafts, building saving s loans and housing loans. Commercial lending products range from working capital, investment loans, auto loans, inventory financing, financing of small businesses and entrepreneurs, providing guarantees, letters of credit and foreign exchange transactions. The Group also provides a wide range of depo sit and transactional products to retail and commercial customers. The Group issues debit and credit cards in cooperation with Visa and cooperates with EVO Payments International in acquiring services. In addition, the Group intermediates the sale of insurance and investment products. As part of its insurance products, th e Group intermediates mainly additional payment protection insurance which covers the customer’s monthly loan payment in the event of unemployment, accident or sickness. The Group also acts as an intermediary for other insurance products such as life insurance, pension funds, travel insurance, etc. Ownership structure: The latest available list of entities recorded in the registry of book -entry shares of the Bank kept by the Central Securities Depository in Prague (Centrální depozitář cenných papírů, a.s.) with a shareholding interest of more than 1% of the Bank’s regist ered share capital is available in the investor relations section of the Bank’s website at: https://investors.moneta.cz/shares. Such entities may not necessarily be the beneficial shareholders of the Bank but may hold shares of the Bank for the beneficial shareholders (such as securities brokers, banks, custodians or nominees). 22 Shared ATM network including 545 MONETA ATMs, 745 KB ATMs, 372 Air Bank ATMs and 259 UniCredit Bank ATMs as at 30 September 2026 and 561 MONETA’s ATMs, 757 KB ATMs, 370 Air Bank ATMs and 254 UniCredit Bank ATMs as at 31 December 2025. 23 Excluding members of the Supervisory Board.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 13 Bankʼs Supervisory Board The Bank’s Supervisory board held four meetings in the first nine months of 2026. As at 30 September 2026, the following persons were members of the Supervisory Board: Name Position Member position held from Member position held to Gabriel Eichler Chairman 26 October 2017 (Chairman since 2 August 2018) 21 December 2029 Miroslav Singer Vice-Chairman 24 April 2017 (Vice-Chairman since 22 May 2017) 29 April 2029 Kateřina Jirásková Vice-Chairwoman 25 April 2023 (Vice-Chairwoman since 21 May 2025) 25 April 2027 Clare Ronald Clarke Member 21 April 2016 19 November 2028 Denis Arthur Hall Member 21 April 2016 19 November 2028 Zuzana Prokopcová Member 19 November 2024 19 November 2028 Klára Escobar Employee representative 7 May 2021 8 May 2029 Monika Kalivodová Employee representative 1 June 2024 8 May 2029 Lucie Sehnalová Employee representative 8 May 2025 8 May 2029 Bankʼs Management Board The Bank’s Management Board held 38 meetings in the first nine months of 2026. As at 30 September 2026, the following persons were members of the Management Board: Name Position Member position held from Member position held to Tomáš Spurný Chairman 1 October 2015 3 October 2027 Carl Normann Vökt Vice-Chairman 25 January 2013 (Vice-Chairman since 1 March 2019) 28 January 2029 Jan Novotný Member 16 December 2013 19 December 2029 Jan Friček Member 1 March 2019 2 March 2027 Klára Starková Member 1 June 2021 2 June 2029 Andrew John Gerber Member 10 September 2024 10 September 2028

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 14 7 Consolidated Interim Financial Statements for the Three and Nine-Month Period Ended 30 September 2026 (Unaudited) 7.1 Consolidated Interim Statement of Profit or Loss and Other Comprehensive Income for the Three and Nine-Month Period Ended 30 September 2026 (Unaudited) CZK m Note Quarter ended Nine months ended 30 Sep 2026 30 Sep 2025 30 Sep 2026 30 Sep 2025 Interest and similar income 5,592 4,884 15,902 14,750 Interest expense and similar charges (2,803) (2,397) (7,951) (7,505) Net interest income 8.7 2,789 2,487 7,951 7,245 Fee and commission income 1,098 988 3,197 2,884 Fee and commission expense (189) (129) (519) (359) Net fee and commission income 8.8 909 859 2,678 2,525 Net income from financial operations 229 167 497 481 Other operating income 14 22 46 74 Total operating income 3,941 3,535 11,172 10,325 Personnel expenses (643) (644) (1,984) (1,877) Administrative expenses (378) (390) (1,140) (1,213) Depreciation and amortisation (268) (289) (802) (874) Regulatory charges - - (212) (195) Other operating expenses (14) (9) (45) (46) Total operating expenses 8.9 (1,303) (1,332) (4,183) (4,205) Profit for the period before tax and net impairment of financial assets 2,638 2,203 6,989 6,120 Net impairment of financial assets 8.21.6 (78) (74) (492) (342) Profit for the period before tax 2,560 2,129 6,497 5,778 Taxes on income (384) (323) (975) (878) Profit for the period after tax 2,176 1,806 5,522 4,900 Total comprehensive income attributable to the equity holders 2,176 1,806 5,522 4,900 Profit for the period after tax attributable to the equity holders 2,176 1,806 5,522 4,900 Weighted average of ordinary shares (millions of shares) 511 511 511 511 Basic and Diluted earnings per share (in CZK) 4.3 3.5 10.8 9.6

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 15 7.2 Consolidated Interim Statement of Financial Position as at 30 September 2026 (Unaudited) CZK m Note 30 Sep 2026 31 Dec 2025 Assets Cash and cash balances at the central bank 23,185 20,898 Derivative financial instruments with positive fair value 801 633 Investment securities 8.10 128,374 120,112 Hedging derivatives with positive fair values 4,292 1,829 Change in fair value of items hedged on portfolio basis (1,421) 63 Loans and receivables to banks1) 8.11 43,908 60,568 Loans and receivables to customers 8.12 316,999 291,158 Intangible assets 3,648 3,498 Property and equipment 2,968 2,383 Investments in associates 3 3 Current tax assets 25 20 Other assets1) 1,310 3,384 Total assets 524,092 504,549 Liabilities Derivative financial instruments with negative fair value 590 477 Due to banks1) 8.13 6,689 3,581 Due to customers1) 8.14 452,440 440,410 Hedging derivatives with negative fair values 1,337 3,441 Change in fair value of items hedged on portfolio basis (368) 60 Issued bonds 8.15 9,683 9,729 Subordinated liabilities 8.16 9,817 10,015 Provisions 311 309 Current tax liability 302 242 Deferred tax liability 412 435 Other liabilities1) 8,420 4,624 Total liabilities 489,633 473,323 Equity Share capital 10,220 10,220 Statutory reserve 102 102 Other reserves 1 1 Equity instruments 8.17 3,623 - Retained earnings 20,513 20,903 Total equity 34,459 31,226 Total liabilities and equity 524,092 504,549 1) From 1 January 2026, the Group changed the presentation of cash collateral granted or received, moving them to the lines “Other assets ” r espectively “Other liabilities”. Previously, these were presented under lines “Loans and receivables to banks” (for collateral granted) and “Due to banks” o r “Due to customers” ( for collateral received). For the purpose of comparability, the previous period has been adjusted.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 16 7.3 Consolidated Interim Statement of Changes in Equity for the Nine-Month Period Ended 30 September 2026 (Unaudited) CZK m Share capital Statutory reserve Other reserves Equity instruments Retained earnings Total Balance as reported 1 Jan 2026 10,220 102 1 - 20,903 31,226 Transactions with owners of the company Dividends - - - - (5,877) (5,877) Total comprehensive income Profit for the period after tax - - - - 5,522 5,522 Transactions related to equity instruments Proceeds from issue of Additional Tier 1 capital (AT1) - - - 3,623 - 3,623 Transaction costs - - - - (35) (35) Balance 30 Sep 2026 10,220 102 1 3,623 20,513 34,459 CZK m Share capital Statutory reserve Other reserves Equity instruments Retained earnings Total Balance as reported 1 Jan 2025 10,220 102 1 - 21,556 31,879 Transactions with owners of the company Dividends - - - - (5,110) (5,110) Total comprehensive income Profit for the period after tax - - - - 4,900 4,900 Transactions related to equity instruments Proceeds from issue of Additional Tier 1 capital (AT1) - - - - - - Transaction costs - - - - - - Balance 30 Sep 2025 10,220 102 1 - 21,346 31,669

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 17 7.4 Consolidated Interim Statement of Cash Flows for the Nine-Month Period Ended 30 September 2026 (Unaudited) CZK m Nine months ended 30 Sep 2026 30 Sep 2025 Cash flows from operating activities Profit after tax 5,522 4,900 Adjustments for: Depreciation and amortisation 802 874 Net impairment of financial assets (excl. cash collection and recovery)1) 480 348 Net loss on revaluation of investment securities - 3 Accrued coupon, amortisation of discount/premium of investment securities 1,179 606 Accrued interest income from derivatives (393) 103 Accrued interest income from loans and receivables to customers and banks 16 131 Accrued interest expense due to customers and banks 263 (103) Net gain from revaluation of hedging derivatives (4,184) (1,273) Net loss from revaluation of hedged items on portfolio basis 4,167 1,223 Net gain/loss from unrealised FX1) 79 (41) Change in provisions not recognised in depreciation and amortisation1) 2 22 Net loss on sale of investment securities - 26 Net loss on sale and other disposal or impairment of tangible and intangible assets 5 3 Share of profit or loss of associates accounted for using the equity method (3) (3) Tax expense 975 878 8,910 7,697 Changes in: Loans and receivables to customers and banks1) (24,464) (12,200) Other assets 201 462 Due to banks1) 2,743 446 Due to customers 11,558 3,224 Other liabilities 3,760 (25) 2,708 (396) Income taxes paid (943) (687) Net cash from/(used in) operating activities 1,765 (1,083) Cash flows from investing activities Acquisition of investment securities (22,785) (12,402) Proceeds from investment securities 9,969 2,857 Acquisition of property and equipment and intangible assets (692) (696) Proceeds from the sale of property and equipment and intangible assets - 6 Dividends received 3 3 Net cash from/(used in) investing activities (13,505) (10,232)

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 18 Cash flows from financing activities Proceeds from issued bonds - 2,413 Repayment of issued bonds (2,001) - Proceeds from subordinated deposits 2,000 - Proceeds from issued equity instruments 3,588 - Lease liabilities (235) (247) Dividends paid (5,877) (5,110) Net cash from/(used in) financing activities (2,525) (2,944) Net change in cash and cash equivalents (14,265) (14,259) Cash and cash equivalents at the beginning of the period 81,463 90,231 Effect of exchange rate fluctuations on cash and cash equivalents (109) (133) Cash and cash equivalents at the end of the period 67,089 75,839 Interest received2) 22,472 20,474 Interest paid2) (12,759) (11,931) 1) The Group revised the presentation of reporting amounts related to unrealised gains and losses arising from hedging and currency translation. For the purpose of comparability, the previous period has been adjusted. 2) L ines “Interest received” and “Interest paid” represent interest paid by customers and counterparties and received from customers and counterparties, respectively, and are included in cash flows from operating activities.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 19 8 Notes to Unaudited Consolidated Interim Financial Statement 8.1 Reporting Entity MONETA Money Bank, a.s. (the “Bank”) is a company domiciled in the Czech Republic. These consolidated interim financial statements (“interim financial statements”) as at and for the nine months ended 30 September 2026 comprise the Bank and its consolidated subsidiaries (together referred to as the “Group” or “MONETA”). 8.2 Basis of Preparation and Presentation The interim financial statements have been prepared in accordance with IAS 34 Interim Financial Reporting and should be read in conjunction with the Group’s last annual consolidated financial statements as at and for the year ended 31 December 202 5 (“last annual financial statements”). The interim financial statements do not include all the information required for a complete set according to IFRS Accounting Standards. However, selected explanatory notes are included to explain events and transactions that are significant to an understandin g of the changes in the Group’s financial position and performance since the last annual financial statements. These interim financial statements were neither audited nor reviewed by an auditor. The Group’s interim financial statements were authorised for issue by the Management Board on 22 October 2026. Going concern The interim financial statements are prepared on a going concern basis, as the Management Board is confident that the Group has the resources to continue in business for the foreseeable future. In making this assessment, the Management Board has considered a wide range of information relating to present and future conditions, including future projections of prof itability, cash flows and capital resources. Functional and presentation currency The interim financial statements are presented in Czech Koruna (CZK) which is the Group’s functional currency. All amounts have been rounded to the nearest million, except where otherwise indicated. 8.3 Use of Judgements and Estimates In preparing the interim financial statements, management has made judgements, estimates and assumptions that affect the application of accounting policies and the reported amounts of assets and liabilities, income and expense. Actual results may differ from these estimat es. Significant judgements made by the management in applying the Group’s accounting policies and the key sources of uncertainty estimation are significantly impacted by the situation related to the macroeconomic and geopolitical situation. In the area of expected cash flows resulting from loan receivables, used for determination of amortised cost of the debt financial assets, are made significant estimates, related to future development of prepayments of the loan’s notional amount, by the ma nagement of the Group. 8.4 Material Accounting Policies The material accounting policies used in preparation of the interim financial statements are consistent with those used in the last annual financial statements. In the third quarter 2026, the Group closely monitored the development of macroeconomic forecasts published by Czech public authorities, including the Ministry of Finance of the Czech Republic and the Czech National Bank. New forward -looking scenarios for key macroeconomic va riables, such as GDP growth and the unemployment rate, were implemented in August 2026 based on the latest forecast published by the Czech National Bank. The related model update had a positive impact on the third quarter 2026 credit costs , reflecting the favourable performance of the Czech economy in both the current and previous quarters.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 20 The Czech economy continues to perform well in terms of GDP growth and unemployment and has shown remarkable resilience to external shocks so far. Nevertheless, it remains to be seen whether the ongoing conflict in the Middle East will have implications to the Czech economy. Given the rapidly evolving situation, there remains a high degree of uncertainty regarding the potential effects on macroeconomic variables and, consequently, on provisioning. Macroeconomic developments will continue to be closely monitored in the coming months. The existing uncertainty is considered to be sufficiently captured by the adverse forward - looking scenario used in the IFRS 9 expected credit loss model. Following table shows overview of internal scenarios based on forecasts by the MFCR and the CNB: GDP Growth MFCR MFCR MFCR MFCR CNB CNB CNB CNB IFRS9 Ye a r (11/2025) (1/2026) (4/2026) (8/2026) (11/2025) (2/2026) (5/2026) (8/2026) Model 2026 2.2% 2.4% 2.1% 1.9% 2.4% 2.9% 2.5% 2.2% 2.2% 2027 2.4% 2.4% 2.9% 2.7% 2.7% 2.7% Unemployment MFCR MFCR MFCR MFCR CNB CNB CNB CNB IFRS9 Ye a r (11/2025) (1/2026) (4/2026) (8/2026) (11/2025) (2/2026) (5/2026) (8/2026) Model 2026 2.8% 2.8% 2.9% 3.0% 3.0% 3.0% 3.1% 3.1% 3.1% 2027 2.7% 2.8% 2.9% 3.0% 3.0% 3.0% 8.5 Consolidation Group The definition of the consolidation group as at 3 0 September 2026 has not changed compared to the last annual financial statements. Apart from the Bank, the Group’s companies included into the consolidation group as at 3 0 September 2026 together with the ownership were as follows: Name Registered office Business activity The Bank's share Method of consolidation MONETA Auto, s.r.o. Vyskočilova 1442/1b, 140 00 Prague 4 Auto financing (Auto Loans) 100% Full MONETA Leasing, s.r.o. Vyskočilova 1442/1b, 140 00 Prague 4 Financing of loans and leasing 100% Full MONETA Stavební Spořitelna, a.s. Vyskočilova 1442/1b, 140 00 Prague 4 Building savings and housing loans 100% Full CBCB – Czech Banking Credit Bureau, a.s. Štětkova 1638/18, 140 00 Prague 4 Banking Credit Register 20% Equity 8.6 Dividends Paid On 21 April 2026, the General Meeting approved the dividend payment of CZK 11.5 per share before tax which represented the total amount of CZK 5,876.5 million. The dividend was due on 15 May 2026 and was paid by MONETA Money Bank, a.s. through Komerční banka, a.s., as paying agent, by a transfer to bank accounts of the shareholders listed in the Central Securities Depository.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 21 8.7 Net Interest Income CZK m Quarter ended Nine months ended 30 Sep 2026 30 Sep 2025 30 Sep 2026 30 Sep 2025 Interest income from financial assets measured at amortised cost 5,631 5,016 16,146 14,970 Loans to customers 4,011 3,444 11,377 10,211 out of which: interest income from impaired loans 31 38 97 116 out of which: penalty interest 6 14 20 28 out of which: EIR amortisation, modification/derecognition and amortisation of FV adjustments (150) (164) (472) (465) Loans to banks 499 555 1,563 1,784 out of which: interest income from repurchase and reverse repurchase agreements 491 545 1,526 1,751 Cash and cash balances at the central bank 1 1 1 1 Interest income from investment securities at amortised cost 1,119 1,004 3,191 2,919 Other interest income1) 1 12 14 55 Interest income from hedging derivatives (39) (132) (244) (220) Interest income and similar income 5,592 4,884 15,902 14,750 Interest expense from financial liabilities measured at amortised cost (2,781) (2,391) (7,906) (7,465) Due to banks (91) (32) (194) (98) Due to customers (2,413) (2,107) (6,935) (6,623) out of which: amortisation of acquisition FV adjustments - 1 - 4 Subordinated liabilities (175) (122) (482) (349) Senior unsecured bonds2) (94) (128) (280) (386) Other interest expense1) (8) (2) (15) (9) Interest expense from hedging derivatives (5) 6 - (4) Interest expense from lease liabilities (17) (12) (45) (36) Interest expense and similar expense (2,803) (2,397) (7,951) (7,505) Net interest income 2,789 2,487 7,951 7,245 1) Represents interest income or expense respectively from received or provided collateral resulting from Credit Support Annex (CSA). 2) MREL requirement eligible bonds are included.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 22 8.7.1 Analysis of Deferred Costs and Fees Deferred costs and fees directly attributable to origination of new loan products that are integral part of the effective interest rate and fair value adjustment resulting from the revaluation of acquired financial assets for a three and nine-month period : Quarter ended 30 Sep 2026 CZK m Balance at the beginning of the period Amortisation Derecognitions / Modiﬁcations Additions to deferred fees Additions to deferred costs Balance at the end of the period Consumer Loans 56 (6) - (8) 21 63 Housing Loans 75 (3) - - - 72 Mortgages 1,138 (45) (1) (1) 26 1,117 Credit Cards & Overdrafts 17 (3) - - 1 15 Auto Loans 240 (28) (1) - 30 241 Retail loans deferrals 1,526 (85) (2) (9) 78 1,508 Investment Loans 313 (16) 3 (6) 16 310 Working Capital (18) 2 - - 1 (15) Auto & Equipment Loans 298 (44) - - 45 299 Unsecured Instalment Loans & Overdrafts 82 (8) - (4) 16 86 Commercial loans deferrals 675 (66) 3 (10) 78 680 Total loan deferrals 2,201 (151) 1 (19) 156 2,188 Quarter ended 30 Sep 2025 CZK m Balance at the beginning of the period Amortisation Derecognitions / Modiﬁcations Additions to deferred fees Additions to deferred costs Balance at the end of the period Consumer Loans 24 (2) (3) (10) 28 37 Housing Loans 91 (4) - - - 87 Mortgages 1,286 (53) (7) - 17 1,243 Credit Cards & Overdrafts 15 (3) - - 4 16 Auto Loans 226 (29) (1) - 39 235 Retail loans deferrals 1,642 (91) (11) (10) 88 1,618 Investment Loans 358 (16) - (3) 11 350 Working Capital (3) 2 - (5) - (6) Auto & Equipment Loans 261 (39) - - 48 270 Unsecured Instalment Loans & Overdrafts 91 (9) - (4) 9 87 Commercial loans deferrals 707 (62) - (12) 68 701 Total loan deferrals 2,349 (153) (11) (22) 156 2,319

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 23 Nine months ended 30 Sep 2026 CZK m Balance at the beginning of the period Amortisation Derecognitions / Modiﬁcations Additions to deferred fees Additions to deferred costs Balance at the end of the period Consumer Loans 43 (15) (5) (27) 67 63 Housing Loans 82 (10) - - - 72 Mortgages 1,197 (151) 5 (1) 67 1,117 Credit Cards & Overdrafts 17 (9) - - 7 15 Auto Loans 235 (97) (5) - 108 241 Retail loans deferrals 1,574 (282) (5) (28) 249 1,508 Investment Loans 340 (48) 4 (27) 41 310 Working Capital (4) 6 - (19) 2 (15) Auto & Equipment Loans 285 (124) - - 138 299 Unsecured Instalment Loans & Overdrafts 85 (23) - (14) 38 86 Commercial loans deferrals 706 (189) 4 (60) 219 680 Total loan deferrals 2,280 (471) (1) (88) 468 2,188 Nine months ended 30 Sep 2025 CZK m Balance at the beginning of the period Amortisation Derecognitions / Modiﬁcations Additions to deferred fees Additions to deferred costs Balance at the end of the period Consumer Loans 21 (4) (14) (31) 65 37 Housing Loans 95 (8) - - - 87 Mortgages 1,350 (117) (23) (1) 34 1,243 Credit Cards & Overdrafts 12 (8) - - 12 16 Auto Loans 228 (89) (4) - 100 235 Retail loans deferrals 1,706 (226) (41) (32) 211 1,618 Investment Loans 393 (60) 1 (16) 32 350 Working Capital (6) 4 - (7) 3 (6) Auto & Equipment Loans 261 (116) - - 125 270 Unsecured Instalment Loans & Overdrafts 100 (27) - (13) 27 87 Commercial loans deferrals 748 (199) 1 (36) 187 701 Total loan deferrals 2,454 (425) (40) (68) 398 2,319

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 24 8.8 Net Fee and Commission Income CZK m Quarter ended Nine months ended 30 Sep 2026 30 Sep 2025 30 Sep 2026 30 Sep 2025 Insurance1) 312 283 910 864 Investment funds 299 231 843 639 Penalty fees (incl. early termination fees) 98 98 299 282 Deposit servicing fees 85 86 248 265 Lending servicing fees 74 69 222 201 Transactional and other fees 230 221 675 633 Fee and commission income 1,098 988 3,197 2,884 Fee and commission expense (189) (129) (519) (359) Net fee and commission income 909 859 2,678 2,525 1) The line “Insurance” includes especially commissions on payment protection insurance, car insurance (Casco and third -party liability insurance), travel insurance, accident insurance, life insurance and pension funds. 8.9 Total Operating Expenses CZK m Quarter ended Nine months ended 30 Sep 2026 30 Sep 2025 30 Sep 2026 30 Sep 2025 Personnel expenses (643) (644) (1,984) (1,877) Administrative expenses (378) (390) (1,140) (1,213) Depreciation and amortisation (268) (289) (802) (874) out of which: depreciation of right-of-use assets (81) (83) (247) (246) Regulatory charges1) - - (212) (195) Other operating expenses (14) (9) (45) (46) Total operating expenses (1,303) (1,332) (4,183) (4,205) Average number of employees based on CZSO methodology2) 2,370 2,434 2,385 2,427 Average number of employees for the period (FTEs)3) 2,404 2,472 2,423 2,465 1) In 2026, the line “Regulatory charges” i ncludes contributions to the Deposit Insurance Fund of CZK 170 million, contributions to the Resolution Fund of CZK 24 million and contributions to the Investor Compensation Fund of CZK 18 million. 2) T he average number of employees during the period is an average of the figures reported to the Czech Statistical Office (CZSO) on a monthly basis in accordance with Paragraph 15 of Czech Decree No. 518/2004 Coll. The number of employees reported to CZSO is determined by comparing the total hours attributable to all employees with the standard monthly working hours per full -time employee. The total hours include hours actually worked, leave and holiday hours, and hours related to sick leave. The members of the Supervisory Board, inactive employees and persons performing work outside of employment contracts are excluded. 3) The average number of employees of each month during the reporting period excluding members of the Supervisory Board and inac tive employees; persons performing work outside of the employment contracts are included based on their real involvement. 8.10 Investment Securities CZK m 30 Sep 2026 31 Dec 2025 Debt securities measured at amortised cost 128,339 120,078 out of which: government bonds 120,609 116,631 out of which: corporate bonds 7,730 3,447 Debt securities measured at FVTPL 9 8 Equity securities measured at FVTOCI 1 1 Equity securities measured at FVTPL 25 25 Total Investment securities 128,374 120,112

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 25 8.11 Loans and Receivables to Banks CZK m 30 Sep 2026 31 Dec 2025 Current accounts at banks 304 423 Overnight deposits 1,526 557 Term deposits in banks payable within 3 months 709 364 Receivables arising from reverse repurchase agreements 41,365 59,221 Other 4 3 Total loans and receivables to banks 43,908 60,568 Included in cash equivalents 43,904 60,565 8.12 Loans and Receivables to Customers CZK m 30 Sep 2026 31 Dec 2025 Gross carrying amount Allowance/ Provision Net book value Gross carrying amount Allowance/ Provision Net book value Consumer Loans 44,810 (1,683) 43,127 41,668 (1,635) 40,033 Housing Loans 7,291 (85) 7,206 8,322 (89) 8,233 Mortgages 141,680 (218) 141,462 134,252 (387) 133,865 Credit Cards & Overdrafts 2,176 (137) 2,039 2,376 (152) 2,224 Auto Loans 3,048 (71) 2,977 2,882 (66) 2,816 Other 5 (5) - 5 (5) - Total retail 199,010 (2,199) 196,811 189,505 (2,334) 187,171 Investment Loans 67,212 (259) 66,953 57,349 (273) 57,076 Working Capital 17,426 (108) 17,318 16,269 (150) 16,119 Auto & Equipment Loans 9,474 (180) 9,294 9,331 (159) 9,172 Unsecured Instalment Loans & Overdrafts 26,066 (731) 25,335 21,164 (707) 20,457 Inventory Financing & Other 1,374 (86) 1,288 1,192 (29) 1,163 Total commercial 121,552 (1,364) 120,188 105,305 (1,318) 103,987 Total loans and receivables to customers 320,562 (3,563) 316,999 294,810 (3,652) 291,158 8.13 Due to Banks CZK m 30 Sep 2026 31 Dec 2025 Deposits on demand 1,242 1,120 Term deposits - - Liabilities arising from repurchase agreements 2,998 - Other due to banks1) 2,449 2,461 Total due to banks 6,689 3,581 1) Ot her due to banks comprises loan provided by European Investment Bank (“EIB ”) to MONETA Money Bank, a.s. This loan amounts to CZK 2,449 million as at 30 September 2026 (31 December 2025: CZK 2,461 million).

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 26 8.14 Due to Customers CZK m 30 Sep 2026 31 Dec 2025 Retail due to customers 337,157 331,179 Current accounts 56,454 55,315 Savings accounts, Term deposits and Other 258,711 251,865 Building savings 21,992 23,999 Commercial due to customers 115,283 109,231 Current accounts 55,403 54,047 Savings accounts, Term deposits and Other 59,305 54,368 Building savings 575 816 Total due to customers 452,440 440,410 8.15 Issued Bonds Internally Issued Mortgage-Backed Bonds (on own books) The mortgage -backed bonds are covered by mortgage loans provided to the Group’s clients. These bonds are issued only in the event of a potential recovery or resolution strategy of the Bank. In such events, internally held mortgage -backed bonds would be use d as a collateral for Lombard loans or repo operations, predominantly with the Czech National Bank, in order to support the liquidity position. As at 30 September 2026, the Group did not realise any of these above -mentioned operations and the mortgage -backed bonds were held internally, therefore, these bonds are not recognised in the Statement of the financial position. Senior Unsecured Bonds The Bank issued the bonds as a part of compliance with the minimum requirement for own funds and eligible liabilities (“MREL”) which was set for the Bank by the CNB (note 8. 21.1). The Bank issued the senior unsecured bonds in the total nominal amount of EUR 400 million. The tranches were settled on 3 February 2022 and 11 September 2024. Further issue details are described in the following table. These instruments are initially measured at fair value minus incremental direct transaction costs and subsequently measured at their amortised cost using effective interest method. Amortised cost of the outstanding senior unsecured bonds: CZK m 30 Sep 2026 31 Dec 2025 Senior unsecured bonds at amortised cost 9,683 9,729 Total 9,683 9,729 The Group did not have any defaults of principal or interest or other breaches with respect to senior unsecured bonds during the year 202 6. ISIN Issue date Currency Maturity date Interest rate Call option Total nominal amount outstanding EUR m XS2435601443 3 Feb 2022 EUR 3 Feb 2028 1.625% p.a. after 5 years 100 XS2898794982 11 Sep 2024 EUR 11 Sep 2030 4.414% p.a. after 5 years 300

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 27 8.16 Subordinated Liabilities Issued Subordinated Debt Securities Subordinated debt securities were issued to strengthen regulatory capital on a consolidated as well as individual level. These liabilities are subordinated to all other liabilities of the Bank. As at 3 0 September 2026, they form in the partial amount of CZK 4.2 billion a part of the Tier 2 capital of the Bank as defined by the CNB for the purposes of determination of its capital adequacy (note 8.21.1). These instruments are initially measured at fair value minus incremental direct transaction costs and subsequently measured at their amortised cost using effective interest method. The Bank issued debt securities in total nominal amount of CZK 2,601 million and EUR 100 million . On 13 August 2026, the Bank announced its decision to exercise the early redemption option for subordinated debt securities in the nominal value of CZK 2 billion (ISIN CZ0003704918 ). The debt securities were fully redeemed on 25 September 2026. Amortised cost of the outstanding subordinated debt securities: CZK m 30 Sep 2026 31 Dec 2025 Subordinated debt securities at amortised cost 4,949 7,096 Total 4,949 7,096 The Bank did not have any defaults of principal or interest or other breaches with respect to subordinated liabilities during the year 202 6. Subordinated Deposits In the second quarter of 2023, the Bank strengthened its capital and eligible liabilities through a subordinated deposit offering. The Bank has received the subordinated deposits in the amount of CZK 2.9 billion. The term of the subordinated deposit is set at five years with a guaranteed interest rate of 7 percent for the entire term. In April 2026, the Bank has received another subordinated deposit in the amount of CZK 2 billion (the term is set at five years with a guaranteed interest rate of 5.5 percent ). As at 30 September 2026, they form in the partial amount of CZK 2.9 billion a part of the Tier 2 capital of the Bank as defined by the CNB for the purposes of determination of its capital adequacy (note 8. 21.1). CZK m 30 Sep 2026 31 Dec 2025 Subordinated deposits at amortised cost 4,868 2,919 Total 4,868 2,919 ISIN Issue date Currency Maturity date Interest rate Call option Total nominal amount outstanding EUR m / CZK m CZ0003705188 30 Jan 2020 CZK 30 Jan 2030 5.71% p.a.1) after 5 years2) 2,601 XS3154053436 9 Sep 2025 EUR 9 Sep 2035 4.514% p.a. after 5 years 100 1) Effective from 30 January 2025, in accordance with the bond prospectus, the interest rate was adjusted from a fixed rate of 3.79% p.a. to a floating rate calculated as 6M PRIBOR plus a 1.75% margin. 2) The first opportunity to exercise the call option after 5 years has expired. The call option can now be exercised each year on the anniversary date.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 28 8.17 Equity Instruments Additional Tier 1 Instrument (A T1 Instruments) In June 2026, the Bank has issued the A dditional Tier 1 instruments (AT1 instruments) to optimise and strengthen regulatory capital on a consolidated as well as individual level. AT1 instruments are deeply subordinated financial instruments with no maturity (perpetual) . As at 30 September 2026, they form a part of the Tier 1 capital of the Bank as defined by the CNB for the purposes of determination of its capital adequacy (note 8.2 1.1). According to IAS 32 , the AT1 instruments meet the definition of equity, and the Bank has recognised them in the total nominal amount of CZK 3,622.5 million (equivalent of EUR 150 million at settlement date ) within equity section in the new line “Equity instruments” . The Bank issued AT1 instruments in the total nominal amount of EUR 150 million. The tranches were settled on 17 June 2026. Further issue details are described in the following table. 8.18 Legal Risks The legal risks, to which the Group is exposed, have been disclosed in the Bank’s 2025 Annual Financial Report. 8.18.1 Legal Disputes The Group is not a party to any significant legal disputes. ISIN Issue date Currency Maturity date Interest rate Call option Total nominal amount outstanding EUR m XS3402816162 17 Jun 2026 EUR perpetual 6.875% p.a. after 5 years 150

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 29 8.19 Segment Reporting Group’s operating segments are following: Commercial, Retail and Treasury/Other. The segments are described in more detail in the last annual financial statements. The Management Board (the chief operating decision makers) does not use the below presented segmental view on all items of the Statement of Profit or Loss. For this reason, o perating expenses, taxes and consequently profit for the period before tax and p rofit for the period after tax are not reported for segments but only on the total level. Quarter ended 30 Sep 2026 CZK m Commercial Retail Treasury / Other Total Net interest income 1,137 1,685 (33) 2,789 Net fee and commission income 218 704 (13) 909 Net income from financial operations 59 154 16 229 Other operating income 6 8 - 14 Total operating income 1,420 2,551 (30) 3,941 Net impairment of financial assets 27 (105) - (78) Risk adjusted operating income 1,447 2,446 (30) 3,863 Total operating expenses (1,303) Profit for the period before tax 2,560 Taxes on income (384) Profit for the period after tax 2,176 Quarter ended 30 Sep 2025 CZK m Commercial Retail Treasury / Other Total Net interest income 1,027 1,434 26 2,487 Net fee and commission income 187 681 (9) 859 Net income from financial operations 62 151 (46) 167 Other operating income 8 14 - 22 Total operating income 1,284 2,280 (29) 3,535 Net impairment of financial assets (28) (46) - (74) Risk adjusted operating income 1,256 2,234 (29) 3,461 Total operating expenses (1,332) Profit for the period before tax 2,129 Taxes on income (323) Profit for the period after tax 1,806

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 30 Nine months ended 30 Sep 2026 CZK m Commercial Retail Treasury / Other Total Net interest income 3,276 4,644 31 7 ,951 Net fee and commission income 627 2,086 (35) 2,678 Net income from financial operations 178 400 (81) 497 Other operating income 18 28 - 46 Total operating income 4,099 7,1 5 8 (85) 11,172 Net impairment of financial assets (191) (301) - (492) Risk adjusted operating income 3,908 6,857 (85) 10,680 Total operating expenses (4,183) Profit for the period before tax 6,497 Taxes on income (975) Profit for the period after tax 5,522 Nine months ended 30 Sep 2025 CZK m Commercial Retail Treasury / Other Total Net interest income 3,037 4,151 57 7, 24 5 Net fee and commission income 548 2,003 (26) 2,525 Net income from financial operations 159 392 (70) 481 Other operating income 26 48 - 74 Total operating income 3,770 6,594 (39) 10,325 Net impairment of financial assets (54) (288) - (342) Risk adjusted operating income 3,716 6,306 (39) 9,983 Total operating expenses (4,205) Profit for the period before tax 5,778 Taxes on income (878) Profit for the period after tax 4,900 Assets and liabilities by segment: 30 Sep 2026 CZK m Commercial Retail Treasury / Other Total Loans and receivables to customers 120,188 196,811 - 316,999 Due to customers 115,283 337,157 - 452,440 31 Dec 2025 CZK m Commercial Retail Treasury / Other Total Loans and receivables to customers 103,987 187,171 - 291,158 Due to customers 109,231 331,179 - 440,410

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 31 8.20 Related Parties The Group’s related parties include associates, key members of the management and members of the Supervisory Board and their close family members. Transactions provided by the Group to related parties represent bank services (esp. loans and interest - bearing deposits); expenses from transactions with related parties comprise remuneration to members of the Supervisory Board, the Management Board and ot her Key Executive Managers. Transactions with related parties are carried out in the normal course of business operations and conducted under normal market conditions. Tanemo a.s., a subsidiary of PPF Group, became a related party with significant influence on MONETA in 2021, thus transactions with entities from PPF Group are considered as related party transactions. The following transactions were undertaken with related parties: 30 Sep 2026 CZK m Related parties with signiﬁcant inﬂuence on MONETA Associates Key members of the management1) and Supervisory Board Total Loans and receivables to customers - - 39 39 Other assets 7 - - 7 Derivative financial instruments with positive fair values 56 - - 56 Hedging derivatives with positive fair value 540 - - 540 Due to customers 14 - 30 44 Due to banks 2,566 - - 2,566 Derivative financial instruments with negative fair values 55 - - 55 Hedging derivatives with negative fair value 51 - - 51 Other liabilities2) 420 - - 420 31 Dec 2025 CZK m Related parties with signiﬁcant inﬂuence on MONETA Associates Key members of the management1) and Supervisory Board Total Loans and receivables to customers - - 40 40 Other assets - - - - Derivative financial instruments with positive fair values 48 - - 48 Hedging derivatives with positive fair value 272 - - 272 Due to customers 23 - 33 56 Due to banks2) - - - - Derivative financial instruments with negative fair values 47 - - 47 Hedging derivatives with negative fair value 230 - - 230 Other liabilities2) 53 - - 53 1) Includes members of the Management Board and other Key Executive Managers. 2) The balance within the line “Other liabilities” r epresents the amount of cash collateral received. Previously, this amount was presented under the line “Due to banks”. This change reflects the Group’s change in the presentation of cash collateral granted or received from 1 January 2026. For the purpose of comparability, the previous period has been adjusted.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 32 Quarter ended 30 Sep 2026 CZK m Related parties with signiﬁcant inﬂuence on MONETA Associates Key members of the management1) and Supervisory Board Total Interest and similar income (2) - - (2) Interest expense and similar charges (23) - - (23) Fee and commission income 5 - - 5 Fee and commission expense (2) - - (2) Net income from financial operations 305 1 - 306 Operating expenses (15) (6) (29) (50) Quarter ended 30 Sep 2025 CZK m Related parties with signiﬁcant inﬂuence on MONETA Associates Key members of the management1) and Supervisory Board Total Interest and similar income (3) - - (3) Interest expense and similar charges (2) - - (2) Fee and commission income 3 - - 3 Fee and commission expense - - - - Net income from financial operations 119 2 - 121 Operating expenses (14) (6) (26) (46) 1) Includes members of the Management Board and other Key Executive Managers. Nine months ended 30 Sep 2026 CZK m Related parties with signiﬁcant inﬂuence on MONETA Associates Key members of the management1) and Supervisory Board Total Interest and similar income (15) - - (15) Interest expense and similar charges (45) - - (45) Fee and commission income 14 - - 14 Fee and commission expense (4) - - (4) Net income from financial operations 400 3 - 403 Operating expenses (32) (21) (166) (219) Nine months ended 30 Sep 2025 CZK m Related parties with signiﬁcant inﬂuence on MONETA Associates Key members of the management1) and Supervisory Board Total Interest and similar income 5 - - 5 Interest expense and similar charges (2) - - (2) Fee and commission income 9 - - 9 Fee and commission expense (2) - - (2) Net income from financial operations 105 3 - 108 Operating expenses (35) (21) (119) (175) 1) Includes members of the Management Board and other Key Executive Managers.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 33 8.21 Risk Management The Group aims to achieve competitive returns at an acceptable risk level as part of its business activities. Risk management covers the control of risks associated with all business activities in the environment in which the Group operates and ensures tha t the risks taken are in compliance with regulatory limits, as well as falling within its risk appetite. From 1 January 2026, an organizational change took place within the Risk Management Division: the AML & Collateral Management department was cancelled, and its agenda was transferred partly to the Enterprise Risk Management department (collateral managemen t and credit risk quality assurance and controls) and partly to the Risk Models, AML & Fraud Management department (AML/CFT and international cooperation in the field of taxation). In March 2026, the Business Continuity Management Committee was cancelled, and its agenda was transferred to the Operational Risk Committee . Except of above mentioned, the risk management policies and practices as at 3 0 September 2026 have not changed since 31 December 2025 and are described in the 202 5 Annual Financial Report. 8.21.1 Capital Management Regulatory capital and its components and capital adequacy: CZK m 30 Sep 2026 31 Dec 2025 Regulatory Capital 34,486 30,813 Tier 1 27,439 23,292 CET1 23,816 23,292 Additional Tier 1 3,623 - Tier 2 7,047 7,521 RWA 181,246 164,794 out of which: Credit Risk 160,479 145,399 out of which: Operational Risk 19,977 19,301 out of which: CVA 790 94 Capital adequacy (%) 30 Sep 2026 31 Dec 2025 RWA Density1) 34.2% 32.6% CET1 Ratio 13.14% 14.13% Tier 1 Ratio 15.14% 14.13% Capital adequacy ratio (CAR) 19.03% 18.70% 1) RWA density is calculated in compliance with BIS Working Papers: Leverage and Risk Weighted Capital Requirements. The framework used for capital management involves monitoring and complying with the capital adequacy limit in accordance with the Basel III rules codified in 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 (hereafter “CRR”), Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credi t institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC, as amended (hereafter “CRD”), and Directive (EU) 2014/59 of the European Parliament and of the Council of 15 May 2014 establishing a framework for the recovery and resolution of credit institutions and investment firms, as amended (hereafter “BRRD”), and their implementing measures. This European regulatory framework was significantly re vised in

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 34 May 2024 by the adoption of amendments to CRR (hereafter “CRR III”) 24 and CRD (hereafter “CRD VI”) 25 effective from 1 January 2025. Furthermore, the regulatory framework within the Czech legal system is comprised mainly of Banking Act No. 21/1992 Coll., as amended, CNB Decree No. 163/2014 Coll., as amended, and Act No. 374/2015 Coll., on recovery and res olution in the financial market, as amended (hereafter “Recovery and Resolution Act”). In order to calculate the regulatory capital requirement for credit risk, on individual as well as on consolidated basis, the Bank uses the standardised approach. The Bank also calculates regulatory capital requirements against the market risk of the trading book. Since 2020, the CNB as the national resolution authority has identified banks with critical functions, including the Bank, which may not be orderly dissolved via general corporate law liquidation or insolvency proceedings and failure of which would be deal t with pursuant to the Recovery and Resolution Act and set a specific Minimum Requirement for Own Funds and Eligible Liabilities (hereafter “MREL”) for each of them. In February 202 6, the Bank received an updated MREL specification from the CNB pursuant to which it must comply with the MREL requirement on an individual basis of 1 6.8% (before 17. 1%) of its total risk exposure and 5.06% (before 5. 15%) of its total exposure effective from 6 February 202 6. The MREL requirement is calculated as a sum of a Loss Absorption Amount at 10% (Pillar I capital requirement of 8% and Pillar II capital requirement of 2% 26 – values valid as of the date of the initiation of the planning process for resolution) and a Recapitalisation Amount set at 6.8% (before 7.1%). The combined buffer requirement (a capital conservation buffer of 2.5%, a countercyclical capital buffer of 1.25% and a systemic risk buffer of 0.5% valid at 3 0 September 2026) is not taken into account in the MREL calculation and the Bank must comply with it on top of the MREL requirement. In June 2026, the CNB decided to increase the countercyclical capital buffer to 1.5% with effect from 1 July 2027. The Group already reflected this future increase by 25 basis points in the management capital target on a consolidated basis as at 30 June 2026. A total regulatory capital requirement of the Bank was 12.25% on individual basis and 14.25% on consolidated basis as at 3 0 September 2026. The management capital target on a consolidated basis was 15.5% as at 30 September 2026. In April 2026, the Bank has strengthened its MREL position through the subordinated deposit included in Tier 2 capital in the amount of CZK 2 billion and maturing in April 2031. In June 2026, the Bank has issued an Additional Tier 1 instrument (AT1 instrument) with a total nominal amount of EUR 150 million, which has been assigned a Ba1 rating by Moody’s, to strengthen and optimise the Bank's capital structure. 24 Regulation (EU) 2024/1623 of the European Parliament and of the Council of 31 May 2024 amending Regulation (EU) No. 575/2013 as regards requirements for credit risk, credit valuation adjustment risk, operational risk, market risk and the output floor. 25 Directive (EU) 2024/1619 of the European Parliament and of the Council of 31 May 2024 amending Directive 2013/36/EU as regards supervisory powers, sanctions, third-country branches, and environmental, social and governance risks. 26 Although Pillar II capital requirement was set only on a consolidated basis, its value was used for setting of MREL requirement on an individual basis.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 35 8.21.2 Loans and Receivables to Banks and Customers according to Their Categorisation The following table shows categorisation of receivables to banks and customers summarised according to Stages applied for measurement of allowance for credit losses: 30 Sep 2026 Loans and receivables to banks Loans and receivables to customers CZK m Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 POCI Total Performing before due date 43,908 - - 43,908 290,150 18,399 - 33 308,582 Performing past due date1) - - - - 6,309 2,705 - 7 9,021 Total performing 43,908 - - 43,908 296,459 21,104 - 40 317,603 Total non-performing - - - - - - 2,956 3 2,959 Gross loans and receivables 43,908 - - 43,908 296,459 21,104 2,956 43 320,562 Individual allowances - - - - - - (116) - (116) Portfolio allowances - - - - (869) (1,326) (1,270) 18 (3,447) Total allowances - - - - (869) (1,326) (1,386) 18 (3,563) Net loans and receivables 43,908 - - 43,908 295,590 19,778 1,570 61 316,999 31 Dec 2025 Loans and receivables to banks Loans and receivables to customers CZK m Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 POCI Total Performing before due date 60,568 - - 60,568 266,964 17,357 - 37 284,358 Performing past due date1) - - - - 4,657 2,799 - 6 7,462 Total performing 60,568 - - 60,568 271,621 20,156 - 43 291,820 Total non-performing - - - - - - 2,981 9 2,990 Gross loans and receivables 60,568 - - 60,568 271,621 20,156 2,981 52 294,810 Individual allowances - - - - - - (64) - (64) Portfolio allowances - - - - (923) (1,484) (1,197) 16 (3,588) Total allowances - - - - (923) (1,484) (1,261) 16 (3,652) Net loans and receivables 60,568 - - 60,568 270,698 18,672 1,720 68 291,158 1) Due days are calculated on instalments of principal, interest, and fees.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 36 8.21.3 Walk of Allowances to Loans and Receivables to Customers Walk of allowances to Loans and receivables for the three and nine-month period – retail customers CZK m Quarter ended 30 Sep 2026 Stage 1 Stage 2 Stage 3 POCI Total Balance at the beginning of the period 415 1,005 786 (16) 2,190 Purchases and originations 91 38 3 - 132 Derecognition and maturities (41) (55) (32) 1 (127) Transfer to (out) Stage 1 48 (45) (3) - - Transfer to (out) Stage 2 (18) 43 (25) - - Transfer to (out) Stage 3 (5) (61) 66 - - Remeasurements, changes in models and methods (95) 43 142 - 90 Use of allowances (write offs) - - (86) - (86) Balance at the end of the period 395 968 851 (15) 2,199 CZK m Quarter ended 30 Sep 2025 Stage 1 Stage 2 Stage 3 POCI Total Balance at the beginning of the period 474 1,275 1,004 (15) 2,738 Purchases and originations 190 67 8 (2) 263 Derecognition and maturities (71) (129) (86) 3 (283) Transfer to (out) Stage 1 206 (195) (11) - - Transfer to (out) Stage 2 (35) 127 (92) - - Transfer to (out) Stage 3 (7) (162) 169 - - Remeasurements, changes in models and methods (288) 150 245 - 107 Use of allowances (write offs) - - (242) - (242) Balance at the end of the period 469 1,133 995 (14) 2,583 CZK m Nine months ended 30 Sep 2026 Stage 1 Stage 2 Stage 3 POCI Total Balance at the beginning of the period 448 1,064 835 (13) 2,334 Purchases and originations 308 123 10 - 441 Derecognition and maturities (130) (188) (115) 1 (432) Transfer to (out) Stage 1 294 (278) (16) - - Transfer to (out) Stage 2 (110) 235 (125) - - Transfer to (out) Stage 3 (10) (247) 257 - - Remeasurements, changes in models and methods (405) 259 399 (3) 250 Use of allowances (write offs) - - (394) - (394) Balance at the end of the period 395 968 851 (15) 2,199

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 37 CZK m Nine months ended 30 Sep 2025 Stage 1 Stage 2 Stage 3 POCI Total Balance at the beginning of the period 482 1,236 973 (16) 2,675 Purchases and originations 286 99 11 (2) 394 Derecognition and maturities (107) (190) (120) 3 (414) Transfer to (out) Stage 1 383 (362) (21) - - Transfer to (out) Stage 2 (102) 266 (164) - - Transfer to (out) Stage 3 (10) (285) 295 - - Remeasurements, changes in models and methods (463) 369 374 1 281 Use of allowances (write offs) - - (353) - (353) Balance at the end of the period 469 1,133 995 (14) 2,583 Walk of allowances to Loans and receivables for the three and nine-month period – commercial customers CZK m Quarter ended 30 Sep 2026 Stage 1 Stage 2 Stage 3 POCI Total Balance at the beginning of the period 553 356 510 (3) 1,416 Purchases and originations 122 3 8 - 133 Derecognition and maturities (17) (4) (16) - (37) Transfer to (out) Stage 1 19 (18) (1) - - Transfer to (out) Stage 2 (5) 13 (8) - - Transfer to (out) Stage 3 (1) (19) 20 - - Remeasurements, changes in models and methods (197) 27 44 - (126) Use of allowances (write offs) - - (22) - (22) Foreign exchange adjustments - - - - - Balance at the end of the period 474 358 535 (3) 1,364 CZK m Quarter ended 30 Sep 2025 Stage 1 Stage 2 Stage 3 POCI Total Balance at the beginning of the period 490 363 426 (4) 1,275 Purchases and originations 216 16 13 - 245 Derecognition and maturities (26) (22) (38) 1 (85) Transfer to (out) Stage 1 41 (35) (6) - - Transfer to (out) Stage 2 (14) 79 (65) - - Transfer to (out) Stage 3 (3) (94) 97 - - Remeasurements, changes in models and methods (242) 85 85 - (72) Use of allowances (write offs) - - (73) - (73) Foreign exchange adjustments - (1) - - (1) Balance at the end of the period 462 391 439 (3) 1,289

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 38 CZK m Nine months ended 30 Sep 2026 Stage 1 Stage 2 Stage 3 POCI Total Balance at the beginning of the period 475 420 426 (3) 1,318 Purchases and originations 388 12 26 - 426 Derecognition and maturities (41) (20) (60) - (121) Transfer to (out) Stage 1 127 (120) (7) - - Transfer to (out) Stage 2 (29) 61 (32) - - Transfer to (out) Stage 3 (4) (77) 81 - - Remeasurements, changes in models and methods (442) 82 219 - (141) Use of allowances (write offs) - - (118) - (118) Foreign exchange adjustments - - - - - Balance at the end of the period 474 358 535 (3) 1,364 CZK m Nine months ended 30 Sep 2025 Stage 1 Stage 2 Stage 3 POCI Total Balance at the beginning of the period 523 423 435 (4) 1,377 Purchases and originations 301 20 21 - 342 Derecognition and maturities (34) (51) (53) 1 (137) Transfer to (out) Stage 1 110 (100) (10) - - Transfer to (out) Stage 2 (31) 123 (92) - - Transfer to (out) Stage 3 (4) (153) 157 - - Remeasurements, changes in models and methods (402) 130 111 - (161) Use of allowances (write offs) - - (130) - (130) Foreign exchange adjustments (1) (1) - - (2) Balance at the end of the period 462 391 439 (3) 1,289

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 39 8.21.4 Breakdown of Allowances According to Loan Type and Stages 30 Sep 2026 CZK m Stage 1 Stage 2 Stage 3 POCI Total Retail loans 395 968 851 (15) 2,199 Consumer Loans 288 810 585 - 1,683 Housing Loans 9 15 69 (8) 85 Mortgages 28 66 131 (7) 218 Credit Cards & Overdrafts 51 52 34 - 137 Auto Loans 18 25 28 - 71 Other 1 - 4 - 5 Commercial loans 474 358 535 (3) 1,364 Investment Loans 168 86 8 (3) 259 Working Capital 50 28 30 - 108 Auto & Equipment Loans 45 42 93 - 180 Unsecured Instalment Loans & Overdraft 208 202 321 - 731 Inventory Financing & Other 3 - 83 - 86 Total allowances to lending portfolio 869 1,326 1,386 (18) 3,563 Debt instruments measured at amortised costs 22 - - - 22 Total allowances financial assets 891 1,326 1,386 (18) 3,585 Financial guarantees 18 6 - - 24 Loan commitments – Retail 34 11 - - 45 Loan commitments – Commercial 36 2 - - 38 Total liabilities to off balance sheet items 88 19 - - 107 31 Dec 2025 CZK m Stage 1 Stage 2 Stage 3 POCI Total Retail loans 448 1,064 835 (13) 2,334 Consumer Loans 300 789 546 - 1,635 Housing Loans 9 17 73 (10) 89 Mortgages 60 177 153 (3) 387 Credit Cards & Overdrafts 58 57 37 - 152 Auto Loans 20 24 22 - 66 Other 1 - 4 - 5 Commercial loans 475 420 426 (3) 1,318 Investment Loans 155 107 14 (3) 273 Working Capital 55 42 53 - 150 Auto & Equipment Loans 50 42 67 - 159 Unsecured Instalment Loans & Overdraft 213 205 289 - 707 Inventory Financing & Other 2 24 3 - 29 Total allowances to lending portfolio 923 1,484 1,261 (16) 3,652 Debt instruments measured at amortised costs 18 - - - 18 Total allowances financial assets 941 1,484 1,261 (16) 3,670 Financial guarantees 13 2 - - 15 Loan commitments – Retail 35 11 - - 46 Loan commitments – Commercial 37 1 - - 38 Total liabilities to off balance sheet items 85 14 - - 99

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 40 8.21.5 Coverage of Non-performing Loans and Receivables CZK m 30 Sep 2026 31 Dec 2025 Retail 1,840 1,978 Commercial 1,119 1,012 Total NPL 2,959 2,990 CZK m 30 Sep 2026 31 Dec 2025 Retail 852 839 Commercial 535 427 Total allowances to NPL 1,387 1,266 CZK m 30 Sep 2026 31 Dec 2025 Retail 119.5% 118.0% Commercial 122.0% 130.3% Total NPL coverage1) 120.4% 122.1% 1) Total NPL coverage ratio is calculated as total loss allowances for loans and receivables to customers divided by total NPL loans. CZK m 30 Sep 2026 31 Dec 2025 Retail 0.9% 1.0% Commercial 0.9% 1.0% NPL ratio 0.9% 1.0% 8.21.6 Net Impairment of Financial Assets CZK m Quarter ended Nine months ended 30 Sep 2026 30 Sep 2025 30 Sep 2026 30 Sep 2025 Additions and release of loan loss allowances (77) (80) (460) (341) Additions and release of allowances/provisions to unused commitments 11 12 2 13 Use of loan loss allowances 108 127 512 483 Income from previously written-off receivables 3 10 16 33 Write offs of uncollectable receivables (113) (131) (528) (498) Change in allowances to investment securities 0 (2) (4) (3) Change in allowances to operating receivables (1) (1) 0 (1) Collection costs (9) (9) (30) (28) Net impairment of financial assets (78) (74) (492) (342)

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 41 8.21.7 Maximum Credit Risk Exposures 30 Sep 2026 CZK m Statement of ﬁnancial position Off- balance sheet Total credit risk exposure Available collateral1) Cash and cash balances at the central bank 23,185 - 23,185 - Derivative financial instruments 801 - 801 2,980 Investment securities measured at FVTPL 34 - 34 - Equity investments 25 - 25 - Debt investments 9 - 9 - Investment securities measured at FVTOCI 1 - 1 - Equity investments 1 - 1 - Investment securities measured at amortised cost 128,339 - 128,339 - Government and corporate bonds 128,339 - 128,339 - Hedging derivatives with positive fair values 4,292 - 4,292 - Interest rate swaps 4,292 - 4,292 - Change in fair value of items hedged on portfolio basis (1,421) - (1,421) - Loans and receivables to banks 43,908 - 43,908 40,536 Current accounts at banks 304 - 304 - Overnight deposits 1,526 - 1,526 - Term deposits at banks payable within 3 months 709 - 709 - Receivables arising from reverse repurchase agreements 41,365 - 41,365 40,536 Other 4 - 4 - Loans and receivables to customers 316,999 30,484 347,483 207,284 Credit Cards & Overdrafts 2,039 4,513 6,552 - Consumer Loans 43,127 3 43,130 - Housing Loans 7,206 1 7,207 1,936 Mortgages 141,462 2,331 143,793 137,887 Commercial Loans 109,606 23,134 132,740 67,209 Auto & Equipment Loans & Inventory Financing 13,559 502 14,061 252 Commercial 10,582 502 11,084 252 Retail 2,977 - 2,977 - Issued guarantees and credit limits on guarantees - 4,143 4,143 518 Issued letter of credit - - - - Remaining assets 7,954 - 7,954 - 1) Available collateral represents realisable value of collateral relevant for each exposure. The realisable value of collateral is capped up to the total exposure presented in the statement of financial position on a loan-by-loan basis for the purpose of the presentation in these breakdowns.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 42 31 Dec 2025 CZK m Statement of ﬁnancial position Off- balance sheet Total credit risk exposure Available collateral1) Cash and cash balances at the central bank 20,898 - 20,898 - Derivative financial instruments 633 - 633 586 Investment securities measured at FVTPL 33 - 33 - Equity investments 25 - 25 - Debt investments 8 - 8 - Investment securities measured at FVTOCI 1 - 1 - Equity investments 1 - 1 - Investment securities measured at amortised cost 120,078 - 120,078 - Government and corporate bonds 120,078 - 120,078 - Hedging derivatives with positive fair values 1,829 - 1,829 - Interest rate swaps 1,829 - 1,829 - Change in fair value of items hedged on portfolio basis 63 - 63 - Loans and receivables to banks 60,568 - 60,568 58,034 Current accounts at banks 423 - 423 - Overnight deposits 557 - 557 - Term deposits at banks payables within 3 months 364 - 364 - Receivables arising from reverse repurchase agreements 59,221 - 59,221 58,034 Other 3 - 3 - Loans and receivables to customers 291,158 26,549 317,707 189,155 Credit Cards & Overdrafts 2,224 4,230 6,454 - Consumer Loans 40,033 - 40,033 - Housing Loans 8,233 2 8,235 2,180 Mortgages 133,865 2,160 136,025 131,527 Commercial Loans 93,652 19,786 113,438 54,961 Auto & Equipment Loans & Inventory Financing 13,151 371 13,522 487 Commercial 10,335 371 10,706 487 Retail 2,816 - 2,816 - Issued guarantees and credit limits on guarantees - 3,375 3,375 289 Issued letter of credit - 8 8 - Remaining assets 9,288 - 9,288 - 1) Available collateral represents realisable value of collateral relevant for each exposure. The realisable value of collateral is capped up to the total exposure presented in the statement of financial position on a loan-by-loan basis for the purpose of the presentation in these breakdowns.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 43 8.22 Fair Values of Financial Assets and Liabilities The following table shows the carrying values and fair values of financial assets and liabilities that are not presented in the Group’s statement of financial position at fair values: CZK m 30 Sep 2026 31 Dec 2025 Carrying value Fair value Carrying value Fair value Financial assets Cash and cash balances at the central bank 23,185 23,185 20,898 20,898 Investment securities at amortised cost1) 128,339 121,434 120,078 113,181 Loans and receivables to banks 43,908 43,908 60,568 60,568 Loans and receivables to customers 316,999 315,542 291,158 291,212 Financial liabilities Due to banks 6,689 6,677 3,581 3,590 Due to customers 452,440 452,440 440,410 440,410 Issued bonds 9,683 9,766 9,729 9,912 Subordinated bonds 4,949 5,162 7,096 7,086 Subordinated deposits2) 4,868 4,862 2,919 2,979 1) Difference between fair value and carrying value is mainly driven by different market and effective interest rates of the government bonds. 2) When calculating the discount rate, the Group assumes that primarily credit and liquid markup has not changed significantly s ince origination of the subordinated deposits, thus the change in interest rate is the main driver of the discount rate. In case o f significant changes of the other components the discount rate calculation will be adjusted accordingly. The following table summarises the hierarchy of fair values of financial assets and financial liabilities that are carried at fair value in the statement of financial position: CZK m 30 Sep 2026 31 Dec 2025 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 Financial assets Derivative financial instruments - 801 - - 633 - Debt securities measured at FVTPL - - 9 - - 8 Equity securities measured at FVTPL - - 25 - - 25 Equity securities measured at FVTOCI - - 1 - - 1 Hedging derivatives with positive fair values - 4,292 - - 1,829 - Change in fair value of items hedged on portfolio basis - - (1,421) - - 63 Financial liabilities Derivative financial instruments - 590 - - 477 - Hedging derivatives with negative fair values - 1,337 - - 3,441 - Change in fair value of items hedged on portfolio basis - - (368) - - 60 There were no transfers between level 1 and 2 during the period of the nine months ended 3 0 September 2026 and the year ended 31 December 202 5. The Group uses the following inputs and techniques to determine the fair value under level 1, 2 and level 3. The level 1 is based on quoted prices for identical instruments in active markets. The level 2 assets include mainly financial derivatives. For derivative exposures the fair value is estimated using the present value of the cash flows resulting from the transactions taking into account market inputs like FX spot and forwards rates, benchmark interest rates and swap rates.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 44 The level 3 assets include equity instruments not traded on the market and the change in fair value of items hedged on portfolio basis where the fair value is calculated using the valuation techniques including expert appraisals. Movement an alysis of level 3 financial assets and liabilities: CZK m As at 1 Jan 2026 Purchases/ Sales in the period Total gains and losses in the period recognised in the proﬁt or loss Total gains and losses in the period recognised in OCI As at 30 Sep 2026 Investment securities at FVTOCI 1 - - - 1 Investment securities at FVTPL 33 - 1 - 34 Total 34 - 1 - 35 CZK m As at 1 Jan 2025 Purchases/ Sales in the period Total gains and losses in the period recognised in the proﬁt or loss Total gains and losses in the period recognised in OCI As at 30 Sep 2025 Investment securities at FVTOCI 1 - - - 1 Investment securities at FVTPL 66 - (3) - 63 Total 67 - (3) - 64 8.23 Subsequent Events There have been no subsequent events arising after 3 0 September 2026 that would have material impact on this consolidated interim financial report.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 45 9 Management Affidavit The undersigned responsible persons of the issuer declare that, to the best of their knowledge, the consolidated interim financial statements give a true and fair view of assets, liabilities, financial position, and financial performance of the issuer and its consolidated group, i.e. the report includes a description of important events that occurred during the first nine months of the 2026 accounting period and their impact on the consolidated interim financial statements, together with a description of the main risks and uncertainties for the remaining three months of 2026, and, where applicable, a description of transactions with related parties during the first nine months of 2026 that materially affected the results of operations of the issuer or its consolidated group and provides a true overview of this required information. Prague, 22 October 2026 Signed on behalf of the Management Board: Tomáš Spurný Chairman of the Management Board and CEO MONETA Money Bank, a.s. Jan Friček Member of the Management Board and CFO MONETA Money Bank, a.s.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 46 10 Alternative Performance Measures In this consolidated interim financial report, certain financial data and measures are presented which are not calculated pursuant to any accounting standard and which are therefore non -IFRS measures and alternative performance measures as defined in the European Securities and Markets Authority Guidelines on alternative performance measures. All alternative performance measures included in this document are calculated for the specified period. These alternative performance measures are included to (i) extend the financial disclosure also to metrics which are used, along with IFRS measures, by the management for evaluation of the Group’s performance, and (ii) provide to investors further basis, a long with IFRS measures, for measuring the Group’s performance. Because of the discretion that the Group has in defining these measures and calculating the reported amounts, care should be taken in comparing these various measures with similar measures use d by other companies. These measures should not be used as a substitute for evaluating the performance of the Group based on the Consolidated Financial Statements of the Group. Non- IFRS measures have limitations as analytical tools, and investors should no t consider them in isolation, or as a substitute for analysis of the Group’s results as reported under IFRS and set out in the Consolidated Financial Statements of the Group, and investors should not place any undue reliance on non- IFRS measures. Non -IFRS measures presented in this consolidated interim financial report should not be considered as measures of discretionary cash available to the Group to invest in the growth of the business, or as measures of cash that will be available to the Group to meet its obligations. Investors should rely primarily on the Group’s IFRS results and use the non- IFRS measures only as supplemental means for evaluating the performance of the Group. Definition of alternative performance measures used in this consolidated interim financial report: CAR / Capital Adequacy Ratio Regulatory capital expressed as a percentage of risk weighted assets (RWA, calculated pursuant to CRR). CET1 / CET1 Capital Common equity Tier 1 capital represents regulatory capital which consists of capital instruments and other items provided in the Article 26 of CRR, such as paid-up registered share capital, share premium, retained profits, disclosed reserves and reserves for general banking risks, which must be netted off against accumulated losses, certain deferred tax assets, certain intangible assets and shares held by the Bank in itself (calculated pursuant to CRR). CET1 ratio CET1 Capital as a percentage of risk weighted assets (RWA, calculated pursuant to CRR). Core NPL coverage Ratio (expressed as a percentage) of allowances for losses created to NPL receivables to total amount of NPL receivables. MONETA uses the core NPL coverage measure because it shows the degree to which its non- performing loan portfolio is covered by allowances for losses created for non-performing loans. Cost of funds 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, issued bonds and subordinated liabilities, excl. opportunistic repo operations. MONETA uses the cost of funds measure because it represents a relative measure of MONETA's cost of funding to its overall funding base comprised primarily of customer deposits. Cost of funds on customer deposits Interest expense and similar charges on customer deposits for the period divided by average balance of customer deposits. MONETA uses the cost of funds measure because it represents a relative measure of MONETA’s cost of funding of core customer deposits to its average balance of customer deposits. Credit costs ratio Net impairment of financial assets for the period divided by the average balance of net loans to customers. MONETA uses the credit costs ratio measure because it describes the development of the credit risk in relative terms to its average loan portfolio balance. Cost to income ratio Ratio (expressed as a percentage) of total operating expenses for the reported period to total operating income for the reported period. MONETA uses the cost to income ratio measure because it reflects the cost efficiency in relative terms to generated revenues. Customer deposits Due to customers excluding repo operations. MONETA uses this measure to show customer deposits without repo operations. Excess capital Regulatory capital exceeding the management target capital ratio. MONETA uses the excess capital measure because it describes MONETA’s capital in excess of capital held to maintain its target capital adequacy ratio and represents the amount of capital which could potentially be used for growth, both organic and inorganic, or be paid out to MONETA’s shareholders. Gross performing receivables Gross carrying amount of performing loans and receivables to customers as determined in accordance with MONETA’s loan receivables categorisation rules (Standard, Watch). High-quality liquid assets / HQLA According to Basel III regulation, assets that are easily and immediately converted 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. Leverage Ratio calculated in accordance with CRR, as amended by CRR 2, as Group's Tier 1 capital divided by Group’s total exposure.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 47 Liquidity Coverage Ratio / LCR Liquidity Coverage Ratio represents the ratio (expressed as a percentage) of MONETA’s balance of high-quality liquid assets to its projected net liquidity outflows over a 30-day stress period, as calculated in accordance with CRR and EU Regulation 2015/61. MONETA uses this ratio to show its liquidity position. Liquid assets Liquid assets are defined by the Group as cash and cash balances at the central bank, loans and receivables to banks and investment securities regardless of the purpose those assets are held by the Group. Loan to deposit ratio Ratio (expressed as a percentage) of net loans and receivables to customers divided by customer deposits. MONETA uses loan to deposit ratio measure to assess its liquidity level. Net interest earning assets Cash and balances with the central bank, investment securities, loans and receivables to banks, loans and receivables to customers. Net interest margin / NIM Net interest and similar income divided by the average balance of net interest earning assets. MONETA uses the net interest margin measure because this metric represents the primary measure of profitability showing margin between interest earned on interest earning assets (mainly loans to customers) and paid on interest bearing liabilities (mainly customer deposits) in relative terms to the average balance of interest earning assets. Net non-interest income Total operating income less net interest income for the period. MONETA uses the net non-interest income measure because this is an important metric for assessing and controlling the diversity of revenue streams. New volume Aggregate of loan principal disbursed in the period for non-revolving loans (including consolidation). MONETA uses new volume metrics as they reflect performance of its distribution network and ability of the Group to generate new loans, which is key for the loan portfolio growth. Non-performing loans / NPL Non-performing loans as determined in accordance with the MONETA´s loan receivables categorisation rules as Substandard, Doubtful or Loss (Stage 3 according to IFRS 9) and gross loans from category POCI per IFRS 9 categorised as non-performing. NPL coverage / Total NPL coverage Ratio (expressed as a percentage) of total loss allowances to gross non-performing loans. MONETA uses the NPL coverage measure because it shows the degree to which its non- performing loan portfolio is covered by total loss allowances created for credit losses. NPL ratio Ratio (expressed as a percentage) of NPL to Gross loans and receivables to customers. MONETA uses the NPL ratio measure because it’s the key indicator of portfolio quality and allows comparison to the market and peers. Opportunistic repo operations Repo transactions with counterparties which are closed on a back-to-back basis by reverse repo transactions with the CNB. MONETA uses this measure to show them separately from other repo operations. Performing receivables Performing receivables as determined in accordance with MONETA’s loan receivables categorisation rules (Standard, Watched). Return on Average Assets / RoAA Return on average assets calculated as profit for the period after tax for the year divided by the average balance of total assets. MONETA uses the RoAA measure because it is one of the key performance indicators used to assess MONETA’s rentability of assets. Return on Equity / RoE Return on equity calculated as profit for the period after tax for the period divided by total equity. Return on Tangible Equity / RoTE Return on tangible equity calculated as profit for the period after tax for the year divided by tangible equity. MONETA uses the RoTE measure because it is one of the key indicators used to assess MONETA’s rentability and performance. Risk adjusted operating income Calculated as total operating income less net impairment of financial assets. Risk adjusted yield Interest and similar income from loans and receivables to customers less net impairment of financial assets divided by the average balance of net loans to customers. MONETA uses this metrics to show interest generated on the loan portfolio separately without credit risk in relative terms to its average balance. Risk weighted assets / RWA Risk weighted assets (calculated pursuant to CRR). Tangible equity Calculated as total equity less intangible assets and goodwill. Yield / Yield on loan portfolio Interest and similar income from loans to customer divided by the average balance of net loans to customers. MONETA uses the yield on the net customer loans measure as it represents interest generated on the loan portfolio in relative terms to its average balance and is one of the key performance indicators of the lending activities.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 48 11 Glossary Annualised Adjusted to reflect the relevant rate on the full year basis ARAD Public database that is part of the information service of the Czech National Bank. It is uniform system of presenting time series of aggregated data for individual statistics and financial market areas. 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 Two-point 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. Bps Basis points Building savings Saving product, typical for building savings banks. The Group undertakes clients’ deposits determined for housing financing. This act is supported by a financial contribution from the state. Building saving loans / Bridging loans Housing loans provided by MONETA Stavební Spořitelna. Building savings loan provided based on a building savings product. The bridging loan is exclusively in the area of building savings, tied only to housing needs. Bridging loans are used to bridge the period during which the conditions for negotiating a building savings loan are not met. CAGR Compound Annual Growth Rate CAR / Capital adequacy ratio Regulatory capital expressed as a percentage of risk weighted assets. CEO Chief Executive Officer CET1 / CET1 Capital Common Equity Tier 1 capital represents regulatory capital which mainly consists of capital instruments and other items provided in the Article 26 of CRR, such as paid-up registered share capital, share premium, retained profits, disclosed reserves and reserves for general banking risks, which must be netted off against accumulated losses, certain deferred tax assets, certain intangible assets and shares held by the Bank itself (calculated pursuant to CRR). CET1 ratio CET1 Capital as a percentage of RWA (calculated pursuant to CRR) CFO Chief Financial Officer CNB Czech National Bank Consumer loans Include unsecured consumer loans and unsecured housing loans provided by MONETA Money Bank. Core NPL Coverage Ratio (expressed as a percentage) of loss allowances for NPL receivables to total amount of NPL receivables. MONETA uses the core NPL coverage measure because it shows the degree to which its non- performing loan portfolio is covered by loss allowances for losses created for the non-performing loans. Cost base Total operating expense Cost of funds 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, issued bonds and subordinated liabilities, excl. opportunistic repo operations. MONETA uses the cost of funds measure because it represents a relative measure of MONETA's cost of funding to its overall funding base comprised primarily of customer deposits. Cost of funds on customer deposits Interest expense and similar charges on customer deposits for the period divided by the average balance of customer deposits. MONETA uses the cost of funds measure because it represents a relative measure of MONETA’s cost of funding of core customer deposits to its average balance of customer deposits. Credit costs ratio Net impairment of financial assets for the period divided by the average balance of net loans to customers. MONETA uses the credit costs ratio measure because it describes the development of the credit risk in relative terms to its average net loan portfolio balance. Cost to income ratio Ratio (expressed as a percentage) of total operating expenses for the reported period to total operating income for the reported period. MONETA uses the cost to income ratio measure because it reflects the cost efficiency in relative terms to generated revenues. Credit Valuation Adjustment / CVA The difference between the risk-free portfolio value and the fair value of the portfolio that takes into account the possibility of a counterparty’s default (calculated in accordance with CRR). 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, a legal document which regulates credit support (collateral) for derivative transactions. Customer deposits Due to customers excluding repo operations. MONETA uses this measure to show customer deposits without repo operations. CZK Czech Koruna CZSO Czech Statistical Office Effective tax rate / ETR Calculated as taxes on income divided by profit for the period before tax ESG Environment, social and governance Excess capital Capital exceeding the management target capital ratio. MONETA uses the excess capital measure because it describes MONETA’s capital in excess of capital held to maintain its target capital adequacy ratio and represents the amount of capital which could potentially be used for growth, both organic and inorganic, or be paid out to MONETA’s shareholders 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 period

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 49 Funding base Sum of due to customers, due to banks, issued bonds and subordinated liabilities (excl. opportunistic repo) FVTOCI Financial assets measured at fair value through other comprehensive income FVTPL Financial assets measured at fair value through profit or loss GDP Gross Domestic Product Gross performing loans Gross carrying amount of performing loans and receivables to customers as determined in accordance with MONETA’s loan receivables categorisation rules (standard, watch). Group / MONETA The Bank and its consolidated subsidiaries High-quality liquid assets / HQLA According to Basel III regulation, assets that are easily and immediately converted into cash at little or no loss of value. MONETA considers as HQLA its cash balances, balances at the central bank and Czech government bonds. Housing Loans Include housing loans provided by MONETA Stavební Spořitelna only. IFRS International Financial Reporting Standards (IFRSs) as issued by the International Accounting Standards Board, the International Accounting Standards (IASs) adopted by the International Accounting Standards Board, the Standing Interpretation Committee abstracts (SICs) and the International Financial Reporting Interpretation Committee abstracts (IFRICs) as adopted or issued by the International Financial Reporting Interpretation Committee, in each case, as codified in the Commission Regulation (EC) No. 1126/2008 of 3 November 2008 adopting certain international accounting standards in accordance with Regulation (EC) No. 1606/2002 of the European Parliament and of the Council, as amended, or otherwise endorsed for use in the European Union. 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) Leverage Ratio calculated in accordance with CRR, as amended by CRR 2, as Group's Tier 1 capital divided by Group’s total exposure. Liquid assets Liquid assets are defined by the Group as cash and cash balances at the central bank, loans and receivables to banks and investment securities regardless of the purpose those assets are held by the Group Liquidity coverage ratio / LCR Liquidity coverage ratio measures the ratio (expressed as a percentage) of a 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 CRR and EU Regulation 2015/61 Loan portfolio Gross performing loan portfolio Loan to deposit ratio Ratio (expressed as a percentage) of net loans and receivables to customers divided by customer deposits. MONETA uses the loan to deposit ratio measure because to assess its liquidity level. m Millions Management overlay Increment to the expected credit loss estimate which compensates insufficient sensitivity of the core IFRS 9 model to specific macroeconomic conditions MONETA Auto MONETA Auto, s. r. o. MONETA Leasing MONETA Leasing, s. r. o. MREL Minimum requirement of own funds and eligible liabilities Net interest earning assets Cash and cash balances at the central bank, investment securities, loans and receivables to banks, loans and receivables to customers Net interest margin / NIM Net interest and similar income divided by the average balance of net interest earning assets. MONETA uses the net interest margin measure because this metric represents the primary measure of profitability showing margin between interest earned on interest earning assets (mainly loans to customers) and paid on interest bearing liabilities (mainly customer deposits) in relative terms to the average balance of interest earning assets. Net non-interest income Total operating income less net interest and similar income for the period. MONETA uses the net non-interest income measure because this is an important metric for assessing and controlling the diversity of revenue streams. Net profit / Profit after tax Profit for the period after tax, on consolidated basis unless this report states otherwise. New volume Aggregate of loan principal disbursed in the period for non-revolving loans (including consolidation). MONETA uses new volume metrics as it reflects performance of its distribution network and ability of the Group to generate new loans, which is key for the loan portfolio growth. No. Number NPL / Non-performing loans Non-performing loans as determined in accordance with the MONETA´s loan receivables categorisation rules as Substandard, Doubtful or Loss (Stage 3 according to IFRS 9) and gross loans from category POCI per IFRS 9 categorised as non-performing. NPL coverage / Total NPL coverage Ratio (expressed as a percentage) of total loss allowances to gross non-performing loans. MONETA uses the NPL coverage measure because it shows the degree to which its non-performing loan portfolio is covered by total loss allowances created for credit losses. NPL Ratio Ratio (expressed as a percentage) of NPL to gross loans and receivables to customers. MONETA uses the NPL ratio measure because it is the key indicator of portfolio quality and allows comparison to the market and peers. OCI Other comprehensive income Opportunistic repo operations Repo transactions with counterparties which are closed on a back-to-back basis by reverse repo transactions with the CNB. MONETA uses this measure to show them separately from other repo operations. POCI Purchased or originated credit-impaired assets. Performing receivables Performing receivables as determined in accordance with MONETA’s loan receivables categorisation rules (Standard, Watched). 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 Average Assets / RoAA Return on average assets calculated as annualised profit after tax for the period divided by the average balance of total assets. MONETA uses the RoAA measure because it is one of the key performance indicators used to assess MONETA’s rentability of assets. Return on Equity / RoE Return on equity calculated as annualised profit after tax for the period divided by total equity.

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MONETA Money Bank, a.s. Consolidated interim financial report as at and for the nine months ended 30 September 2026 (All amounts in CZK millions unless otherwise stated) 50 Return on Tangible Equity / RoTE Return on tangible equity calculated as annualised profit after tax for the period divided by tangible equity. MONETA uses the RoTE measure because it is one of the key performance indicators used to assess MONETA’s rentability of tangible capital. Risk adjusted operating income Calculated as total operating income less net impairment of financial assets Risk adjusted yield Interest and similar income from loans and receivables to customers less net impairment of financial assets divided by the average balance of net loans to customers. MONETA uses this metrics to show interest generated on the loan portfolio separately without credit risk in relative terms to its average balance. RWA / Risk-weight assets / Risk exposure Risk-weighted assets calculated pursuant to CRR. RWA density Ratio (expressed as a percentage) of risk-weighted assets to total assets (incl. off-balance and on- balance sheet and counterparty credit risk). Small Business Clients or enterprises who have their product on an 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 enterprise who have their product on an identification number with an annual turnover above CZK 60 million Tangible equity Calculated as total equity less the intangible assets and goodwill Tier 1 Capital The aggregate of CET1 Capital and Additional Tier 1 Capital which mainly consists of capital instruments and other items (including certain unsecured subordinated debt instruments without a maturity date) provided in Article 51 of CRR. Tier 1 Capital ratio Tier 1 Capital as a percentage of risk-weighted assets (RWA) Tier 2 Capital Regulatory capital which consists of capital instruments, subordinated loans and other items (including certain unsecured subordinated debt obligations with payment restrictions) provided in Article 62 of CRR. Trading book Trading book according to the 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 (article 4, para 86). Wealth management Distributed wealth management products Yield / Yield on loan portfolio Interest and similar income from loans to customer divided by the average balance of net loans to customers. MONETA uses the yield measure because it represents interest generated on the net loan portfolio in relative terms to its average balance and is one of the key performance indicators of its lending activities.

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MONETA Money Bank, a.s. Consolidated interim ﬁnancial report as at and for the nine months ended 30 September 2026

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