Moneta Money Bank As · PSECZ:MONET
Moneta Money Bank As — Moneta Money Bk — Q3 2026 Earnings Presentation
83 slides from Moneta Money Bank As's earnings presentation, Oct 23, 2026
Slide 1: 3Q 2026 Results
3Q 2026 Results Published on 23 October 2026 at 07:00 CET According to IFRS, Consolidated, Unaudited MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF MANDATORY INFORMATION
Slide 2: Key highlights: operating income, expenses, net profit
1-3Q 2026 Key highlights Operating Operating Net (in CZK) income expenses profit • Operating income reached CZK 11.2 billion (+8.2%), driven mainly by growth in net interest income (+9.7%) and supported by higher net fee and commission income (+6.1%) 11.2bn 4.2bn 5.5bn +8.2% (0.5)% +12.7% • Operatin
Slide 3: Key highlights: capital, CET1, MREL
1-3Q 2026 Key highlights Capital CET1 MREL (in CZK) adequacy ratio1 ratio2 ratio 19.0% 13.1% 27.4% • Capital adequacy ratio at 19.0% with an excess of CZK 6.4 billion or 3.5pp above the capital management target1 • CET1 ratio at 13.1% with an excess of Excess 3.5pp Excess 2.5pp Excess 5.1pp CZK 4.4
Slide 4: Raised minimum 2026 net profit target to CZK 7.1 billion
2026 MARKET GUIDANCE & OUTLOOK Third-quarter results enabled us to raise the minimum 2026 net profit target to CZK 7.1 billion 2026 Updated Variance vs. Metrics Guidance 2026 Guidance Driven by NIM improvement amid a higher margin Total operating income (CZK bn) 14.6 15.0 +0.4 against 2W repo rate t
Slide 5: 2026 Key messages (1/2)
2026 Key messages (1/2) Expecting overall loan book growth in the range of 8.5−10.5%. Our lending strategy remains focused on SME Lending and small business segments, which offer attractive margins and efficient capital utilisation. This is reflected in growth year-on-year commercial loan book growt
Slide 6: 2026 Key messages (2/2)
2026 Key messages (2/2) Targeting operating income of CZK 15.0 billion in 2026, representing a potential increase of 7.7% Operating compared with 2025. Supported by 3Q 2026 YtD growth of 8.2% driven by better-than-expected result in income both net interest income and net fee and commission income.
Slide 7: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026‒2030 Market Guidance 09 Appendix Branch office: Benešov
Slide 8: Czech economy remained resilient, GDP growth 2.2% in 2026
MACROECONOMIC ENVIRONMENT Czech economy remained resilient, with GDP growth projected at 2.2% in 2026 and unemployment remaining low and stable GDP evolution1 (CZK bn) Government debt in % of GDP at current prices2 2025: 2.6% 2026F: 2.2% GDP at constant prices GDP Y/Y % change EURO area - 20 countri
Slide 9: Inflation aligned with CNB target, policy rate 3.75%
MACROECONOMIC ENVIRONMENT Inflation remained broadly aligned with the CNB target, while the policy rate stands at 3.75% Inflation and consumer price index1 (year-over-year % change) Two-week repo rate (end of period) End of period 6.6% 15.8% 6.9% 3.0% 2.1% 2.0% change2 15.1% 15.0 % 10.7% 4.25% 10.0
Slide 10: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026‒2030 Market Guidance 09 Appendix Branch office: Blansko
Slide 11: Overall business platform
Overall business platform Total number Branch Own & shared • Stable client base, with 59 thousand of clients network ATM network1 1.6m 118 1,921 clients acquired while 43 thousand clients left • Branch network reduced to 118 +0.6% (3.3)% (1.1)% locations, with six branches closed and two opened • He
Slide 12: Digital platform
Digital platform Active digital Average Loans • Number of active digital banking clients platform clients1 daily visits granted (CZK) 1.1m 748ths 31.8bn grew • Daily digital touchpoints grew steadily, while online transaction frequency +3.3% +4.6% +55.6% increased by 8.9% • The use of digital channe
Slide 13: Branch network
Branch network Number of Number of staff Branch • Lower branch traffic drives network branches1 at branches2 visits3 118 1,010 564ths optimisation and relocations • Branch network contributed 59% of overall loan origination and continued to play (3.3)% (4.0)% (9.4)% significant role in overall value
Slide 14: Contact centre
Contact centre Inbound Number Email • Inbound service calls remained at stable traffic1 of staff communication2 573ths 208 88ths level, supported by ongoing growth in digital engagement and self-service adoption • Deployment of AI tools and digitisation of (1.1)% (5.5)% (18.1)% services significantl
Slide 15: ATM network
ATM network Own & shared Deposit ATMs in Own ATM ATM network shared network network • ATM coverage remained stable through the four-bank alliance network, while deposit capabilities increased significantly 1,921 1,009 545 (1.1)% +26.0% (3.0)% • MONETA marginally reduced its own ATM network due to in
Slide 16: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026‒2030 Market Guidance 09 Appendix Branch office: Praha – Černý Most
Slide 17: Net profit increased by 12.7%
PROFIT AND LOSS STATEMENT Net profit increased by 12.7%, as higher operating income more than offset elevated credit costs 1-3Q 1-3Q CHANGE PROFIT AND LOSS (CZK m) Net interest income growth driven by higher 2025 2026 YoY lending income and mortgage book repricing, Net interest income 7,245 7,951 9.
Slide 18: Net interest income drivers
NET INTEREST INCOME DRIVERS Loan portfolio growth and mortgage repricing drove a 12.1% increase in net interest income Net interest income (CZK m) Interest income on loans (CZK m) +16.5% +12.1% 3,444 3,528 3,589 3,777 4,011 +5.5% 3Q’25 4Q’25 1Q’26 2Q’26 3Q’26 2,789 2,644 2,487 2,462 2,518 Treasury a
Slide 19: Fee and commission income and expense
FEE AND COMMISSION INCOME & EXPENSE Distribution of third-party products continued to support strong net fee and commission income Net fee and commission income (CZK m) Third-party commission income (CZK m) 539 555 587 611 514 Wealth mngt +5.8% 231 257 262 282 299 +29.4% YoY +0.3% 283 282 293 305 31
Slide 20: Distribution of wealth management products
DISTRIBUTION OF WEALTH MANAGEMENT PRODUCTS Steady distribution performance supported balanced and resilient income generation Commissions from wealth management products distribution 1-3Q 1-3Q (CZK m) 2025 2026 Change +31.9% 843 639 Number of licensed staff (MiFiD)1 531 565 +6.4% Wealth management s
Slide 21: Insurance product distribution
INSURANCE PRODUCT DISTRIBUTION Commission income growth of 5% driven by strong performance in payment protection and pension insurance distribution 1-3Q 1-3Q Change Commissions from insurance product distribution (CZK m) 2025 2026 +5.3% Number of licensed staff1 702 679 (3.3)% 864 910 Payment protec
Slide 22: Operating expenses
OPERATING EXPENSES The cost base remained stable YoY despite persistent pressure on personnel expenses, while the cost to income ratio improved to 37% Operating expenses (CZK m) Key highlights • Regulatory charges increased by 8.7% or CZK 17 million (0.5)% 4,205 primarily due to deposit base expansi
Slide 23: Personnel expenses and number of FTEs
OPERATING EXPENSES Personnel expenses remained stable compared to 3Q 2025, with wage inflation offset by a reduction in FTEs Personnel expenses and number of FTEs (CZK m) Key highlights Recurrent personnel expenses: (0.2)% • Average salary increased by 4.9% YoY below the average 891 (5.4)% wage infl
Slide 24: Administrative and other expenses
OPERATING EXPENSES Administrative and other expenses decreased by 1.8% compared to 3Q 2025, driven mainly by reduction in facilities and IT expenses Administrative & Other expenses1 (CZK m) Key highlights (1.8)% (5.8)% 455 • IT expenses decreased by 6.8% to CZK 173 million as a 416 399 392 result of
Slide 25: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026‒2030 Market Guidance 09 Appendix Branch office: Brno
Slide 26: Key balance sheet metrics
KEY BALANCE SHEET METRICS Loan portfolio growth and higher yield supported an improvement in net interest income Loan portfolio (CZK bn) Funding base (CZK bn) +10.4% +3.8% +8.8% +2.6% 287.8 291.8 317.6 463.7 475.6 458.0 30/09/2025 31/12/2025 30/09/2026 30/09/2025 31/12/2025 30/09/2026 Loan portfolio
Slide 27: Balance sheet profile and development
BALANCE SHEET PROFILE AND DEVELOPMENT Balance sheet growth was driven by a 10.4% increase in net customer loans and 4.5% in customer deposits Assets (CZK bn) Equity and liabilities (CZK bn) +5.0% +5.0% 520.5 525.2 524.1 520.5 525.2 524.1 Repo operations 499.2 504.5 499.2 504.5 7.2 6.7 and due to ban
Slide 28: New lending volumes grew by 39%
NEW LENDING VOLUMES New lending volumes grew by 39%, led by mortgages, SME and small business lending New lending volume (CZK bn) New retail lending volume (CZK bn) +34.5% 44.6 +39.2% 33.2 Mortgage loans 22.3 +57.3% YoY 76.6 14.2 Consumer and 19.0 22.3 other loans1 +17.4% YoY 55.0 1-3Q 2025 1-3Q 202
Slide 29: Gross performing loan portfolio
GROSS PERFORMING LOAN PORTFOLIO Growth in the SME and small business portfolios contributed to overall double-digit loan growth Loan portfolio (CZK bn) +10.4% 309.6 317.6 287.8 291.8 296.9 193.4 197.2 Retail 187.6 187.5 187.6 +5.1% YoY 25.4 Small business 20.5 21.6 23.4 +31.7% YoY 19.3 92.8 95.0 SME
Slide 30: Retail loan portfolio development
RETAIL LOAN PORTFOLIO DEVELOPMENT Mortgage and consumer lending supported 5% retail portfolio growth Retail loan portfolio (CZK bn) +5.1% 193.4 197.2 187.6 187.5 187.6 Auto loans 2.9 3.0 +5.5% YoY 2.8 2.8 2.9 43.8 Consumer loans 39.8 40.6 41.8 42.9 +9.9% YoY Mortgage portfolio1 134.2 133.6 132.9 138
Slide 31: Commercial loan portfolio development
COMMERCIAL LOAN PORTFOLIO DEVELOPMENT Investment and small business loans drove 20% growth in the commercial segment Commercial loan portfolio (CZK bn) +20.3% 120.4 116.2 109.3 10.6 Auto loans1 104.3 10.7 +5.1% YoY 100.2 10.6 10.4 Small business loan 10.0 23.4 25.4 +31.7% YoY 21.6 19.3 20.5 17.4 Wor
Slide 32: Loan portfolio yield evolution
LOAN PORTFOLIO YIELD EVOLUTION Overall loan portfolio yield increased to 5.1%, supported by both retail and commercial lending Loan portfolio yield (%) Retail loan portfolio yield (%) 4.57 4.66 4.36 4.39 4.45 5.11 5.00 3Q 4Q 1Q 2Q 3Q 4.85 4.87 4.89 2025 2026 Commercial loan portfolio yield (%) 5.77
Slide 33: Funding base
FUNDING BASE The funding base grew by 3.8%, supported by growth in both commercial (+10.7%) and retail deposits (+2.5%) Customer deposits and wholesale funding1 (CZK bn) +3.8% 473.8 480.7 475.6 458.0 463.7 340.7 339.1 337.2 Retail 328.8 331.2 +2.5% YoY Commercial 104.1 109.2 109.3 115.3 115.3 +10.7%
Slide 34: Retail deposits and wealth management
RETAIL CUSTOMER DEPOSITS DEVELOPMENT AND WEALTH MANAGEMENT The combined retail deposits and wealth management portfolio grew by 6.6%, while retail deposits funded 65% of new investments Retail customer deposits and wealth management (CZK bn) +6.6% 422.2 427.7 428.5 402.0 410.1 88.7 91.4 Wealth manag
Slide 35: Retail customer deposits development
RETAIL CUSTOMER DEPOSITS DEVELOPMENT Retail deposits grew by 2.5%, in line with our projection in a highly competitive environment Retail customer deposits (CZK bn) +2.5% 331.2 340.7 339.1 337.2 328.8 55.5 57.1 56.5 Current account deposits 56.0 55.3 +0.7% YoY 285.2 Savings, term and 272.8 275.9 282
Slide 36: Commercial customer deposits development
COMMERCIAL CUSTOMER DEPOSITS DEVELOPMENT Commercial deposits grew by 10.7% across both current and term accounts Commercial customer deposits (CZK bn) +10.7% 115.3 115.3 109.2 109.3 104.1 Current account deposits 57.1 55.4 +9.5% YoY 54.0 52.8 50.6 Savings, term and 53.5 55.2 56.5 58.2 59.9 other dep
Slide 37: Average cost of funds
AVERAGE COST OF FUNDS Funding costs increased moderately as a result of our deposit pricing strategy Retail (%) Customer deposits (%) 2.08 2.11 2.16 2.20 2.25 2.04 2.13 3Q 4Q 1Q 2Q 3Q 1.93 1.96 1.99 Cost of funds (%) 2025 2026 3Q 4Q 1Q 2Q 3Q 2.08 2.12 2.11 2.18 2.27 Commercial (%) 2025 2026 1.76 1.4
Slide 38: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026‒2030 Market Guidance 09 Appendix Branch office: Praha – OC Harfa
Slide 39: Key credit risk ratios
KEY CREDIT RISK RATIOS The increase in credit costs ratio was driven by higher new loan origination and a single large commercial default in 2Q 2026 Credit costs ratio (release in brackets, creation without Loan loss provision coverage brackets, YtD) (0.22)pp +0.06pp 1.33% 1.24% 1.11% 0.22% 0.16% 0.
Slide 40: Credit costs
CREDIT COSTS Credit costs in 3Q 2026 benefited from updated macroeconomic assumptions Credit costs Annualised credit costs ratio (CZK m, release in brackets, creation without brackets, QtD) (%, release in brackets, creation without brackets, QtD) 0.90 2025 2026 1Q 2Q 3Q 4Q 1Q 2Q 3Q 0.45 CREDIT COSTS
Slide 41: Loan portfolio and loan loss provisions
LOAN PORTFOLIO AND LOAN LOSS PROVISIONS Provision coverage has declined in 2026 following an update to the macroeconomic forecasts and the release of management overlays Gross loan portfolio (CZK m) Loan loss provisions (CZK m) +10.2% (8.0)% 290,975 294,810 299,810 312,491 320,562 3,872 3,652 3,535
Slide 42: Non-performing loan development
NON-PERFORMING LOAN DEVELOPMENT NPL disposals and proactive collections are keeping the NPL balance stable NPL balance and net formation (CZK m) 804 953 878 848 3,193 (705) 2,990 2,898 2,958 (809) 2,872 (301) (703) (675) (262) (151) (113) Net NPL formation Net NPL formation Net NPL formation Net NPL
Slide 43: Past due exposures development
PAST DUE EXPOSURES DEVELOPMENT Delinquency rates remained low and broadly stable, supported by solid core performance and collection strategy Share of past due exposures in the total gross portfolio balance (%) 1.36 30+ 60+ 90+ 1.23 1.15 1.11 1.09 0.92 0.87 0.71 0.73 0.64 0.63 0.65 0.63 0.53 0.51 0.
Slide 44: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026‒2030 Market Guidance 09 Appendix Branch office: Karlovy Vary
Slide 45: Key liquidity ratios
KEY LIQUIDITY RATIOS Strong liquidity position continues to support accelerated lending growth Loan to deposit ratio Share of high-quality liquid assets in customer deposits 66% 66% 70% 40% 40% 35% 30/09/2025 31/12/2025 30/09/2026 30/09/2025 31/12/2025 30/09/2026 Liquidity coverage ratio Net stable
Slide 46: High-quality liquid assets development
HIGH-QUALITY LIQUID ASSETS DEVELOPMENT The HQLA remained robust, with the YoY decline attributable to lending growth and the repayment of a CZK 2 billion Tier 2 bond High-quality liquid assets (CZK bn) (6.5)% 174.2 176.7 178.1 171.4 3.5 3.1 3.2 3.4 160.3 Cash 3.2 (4.2)% YoY 58.8 54.3 57.4 53.8 Balan
Slide 47: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026‒2030 Market Guidance 09 Appendix Branch office: Brno Campus
Slide 48: Capital position on a consolidated basis
CAPITAL POSITION ON A CONSOLIDATED BASIS The AT1 issuance strengthened capital ratios; excess capital remained strong at CZK 6.4 billion Regulatory capital (CZK bn) Capital adequacy ratio 34.5 18.70% 19.03% 30.8 Tier 2 3.89% Tier 2 7.0 4.57% 7.5 3.6 2.00% AT1 AT1 23.3 23.8 CET1 14.13% 13.14% CET1 31
Slide 49: CET1 excess capital and accrued dividend
CAPITAL POSITION ON A CONSOLIDATED BASIS As at 30 September 2026, MONETA maintained CZK 4.4 billion of CET1 excess capital in addition to CZK 5.0 billion of accrued dividend CET1 excess capital development1 (CZK m) • CET1 excess capital has increased from CZK 2.7 billion to 10,000 5,522 CZK 4.4 bill
Slide 50: Capital position on an individual basis, MREL
CAPITAL POSITION ON AN INDIVIDUAL BASIS On an individual basis, the MREL ratio stood at 27.4%, well above the MREL management target Regulatory capital and MREL instruments (CZK bn) MREL adequacy ratio 49.0 44.4 27.52% 27.40% 12.7 MREL 5.17% 5.10% Excess 12.1 1.00% 1.25% Management buffer1 7.0 Tier
Slide 51: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026‒2030 Market Guidance 09 Appendix Branch office: Prachatice
Slide 52: 2026-2030 medium-term guidance
2026‒2030 MEDIUM-TERM GUIDANCE MONETA is on track to exceed its minimum net profit target for 2026 by CZK 500 million Updated CAGR Metrics 2026 2027 2028 2029 2030 2026 2026‒2030 Total operating income (CZK bn) 14.6 15.0 15.4 16.1 16.7 17.5 4.6% Total operating expenses (CZK bn) (6.0) (5.9) (6.1) (6
Slide 53: Projected loan and deposit growth
2026–2030 MEDIUM-TERM GUIDANCE Projected loan and deposit growth Actuals CAGR 2025 2026 2027 2028 2029 2030 09/2026 2025‒2030 Gross performing loans 291.8 306.2 317.6 326.2 349.4 372.4 392.8 6.1% development Retail 187.5 189.5 197.2 195.7 204.9 214.8 222.9 3.5% Commercial 104.3 116.7 120.4 130.5 144
Slide 54: Net profit evolution
NET PROFIT EVOLUTION The guidance published on 3 February 2026 projected a nearly 40% increase in net profit 2021‒2030 Net profit1 (CZK bn) +39.1% +CZK 10.4bn CZK 26.7bn CZK 37.1bn 8.3 7.8 7.4 7.0 6.5 6.6 5.8 5.2 5.2 4.0 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 Note: Guidance is subject to
Slide 55: Macroeconomic assumptions for medium-term guidance
2026‒2030 MEDIUM-TERM GUIDANCE Macroeconomic assumptions for medium-term guidance 2026 2027 2028 2029 2030 GDP growth 2.4% 2.8% 2.5% 2.5% 2.5% Unemployment 3.0% 2.9% 2.9% 2.9% 2.9% Inflation 2.2% 2.5% 2.0% 2.0% 2.0% Two-week repo rate (annual average) 3.5% 3.5% 3.5% 3.5% 3.5% 1M Pribor (annual avera
Slide 56: Content
Content 01 Macroeconomic Environment 02 Operating Platform 03 Profit and Loss Development 04 Balance Sheet Development 05 Risk Metrics & Asset Quality 06 Liquidity Development 07 Capital Management 08 2026‒2030 Market Guidance 09 Appendix Branch office: Břeclav
Slide 57: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 58: 2026 Investor Events
REPORTING DATES, INVESTOR MEETINGS AND OTHER IMPORTANT DATES 2026 Investor Events US Wood FY 2026 Roadshow Conference Earnings Release 16–20 November 2026 01–04 December 2026 2 February 2027 San Francisco, Chicago, Prague Prague Boston, New York 58
Slide 59: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 60: Distribution of dividends 2016-2025
DISTRIBUTION OF DIVIDENDS 2016‒2025 Since 2016, MONETA has distributed 93% of its cumulative net profit, equivalent to CZK 83 in dividends per share Net profit and dividend distribution (CZK m) 7,921 Net profit 6,643 6,501 Dividend 5,808 5,008 5,187 5,200 4,599 4,054 3,923 4,088 4,200 4,019 3,984 3,
Slide 61: Total shareholder return comparison
TOTAL SHAREHOLDER RETURN COMPARISON MONETA has delivered a total shareholder return of 70.8% since 31 December 2024 Total shareholder return1 as at 30 September 2026 (%) +114.2% Euro Stoxx 105 Banks2 70 +70.8% MONETA +41.3% Komerční 35 banka 0 30/06/2025 30/09/2025 30/06/2026 30/09/2026 31/03/2025 3
Slide 62: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 63: Capital requirements and targets, consolidated basis
CAPITAL REQUIREMENTS AND TARGETS ON A CONSOLIDATED BASIS Following the AT1 issuance, the CET1 management target was lowered from its previous level, which was equal to the Tier 1 Management capital target on a consolidated basis Capital target coverage on a consolidated basis 30/09 31/12 30/09 30/09
Slide 64: Capital requirements and targets, individual basis
CAPITAL REQUIREMENTS AND TARGETS ON AN INDIVIDUAL BASIS AT1 issuance also lowered the CET1 management target also on an individual basis Management capital target on an individual basis Capital target coverage on an individual basis 30/09 31/12 30/09 30/09 31/12 30/09 2025 2025 2026 2025 2025 2026 M
Slide 65: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 66: Issued bonds and capital instruments overview
ISSUED BONDS AND CAPITAL INSTRUMENTS OVERVIEW In June 2026, MONETA issued a EUR 150 million AT1 capital instrument to further optimise its capital structure Bond type/ISIN Issue Currency Nominal Interest Interest rate First call Maturity Moody’s date (million) type option rating Tier 2 30 Jan 2020 C
Slide 67: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 68: Czech deposit market
CZECH DEPOSIT MARKET MONETA outperformed the commercial deposit market, while retail deposit growth reflected a disciplined repricing strategy Deposit market (CZK bn) Retail deposits (CZK bn) +4.5% /+2.3% +5.5% /+4.1% 3,769.6 3,834.3 3,903.8 3,935.7 3,937.5 7,616.7 7,725.3 7,788.3 7,383.6 7,366.6 32
Slide 69: Czech lending market
CZECH LENDING MARKET MONETA continued to gain market share in commercial lending Lending market – Gross loans (CZK bn) Retail gross loans (CZK bn) +9.3% /+4.7% 2,415.5 2,470.0 2,527.5 2,599.2 2,641.2 +9.9% /+9.7% 189.8 189.5 189.5 195.2 198.8 4,501.9 4,605.0 4,758.9 4,832.8 3Q 4Q 1Q 2Q Aug 4,397.3 2
Slide 70: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 71: Consolidated statement of financial position
FINANCIAL STATEMENTS Consolidated statement of financial position CZK m 30/09/2025 31/12/20251 30/09/2026 YtD % change YoY % Change Cash and cash balances at the central bank 19,267 20,898 23,185 10.9% 20.3% Derivative financial instruments with positive fair values 522 633 801 26.5% 53.4% Investmen
Slide 72: Statement of financial position, quarterly development
FINANCIAL STATEMENTS Consolidated statement of financial position – quarterly development CZK m 30/09/2024 31/12/20241 31/03/2025 30/06/2025 30/09/2025 31/12/20251 31/03/2026 30/06/2026 30/09/2026 Cash and cash balances at the central bank 11,816 13,541 18,019 21,476 19,267 20,898 11,574 15,793 23,1
Slide 73: Consolidated statement of profit or loss
FINANCIAL STATEMENTS Consolidated statement of profit or loss and other comprehensive income CZK m 3Q 2025 YtD 3Q 2026 YtD % Change Interest and similar income 14,750 15,902 7.8% Interest expense and similar charges (7,505) (7,951) 5.9% Net interest income 7,245 7,951 9.7% Fee and commission income
Slide 74: Statement of profit or loss, quarterly development
FINANCIAL STATEMENTS Consolidated statement of profit or loss and other comprehensive income - quarterly development CZK m 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Interest and similar income 5,345 5,147 4,911 4,955 4,884 4,931 5,018 5,292 5,592 Interest expense and si
Slide 75: Key performance ratios
FINANCIAL STATEMENTS Key performance ratios Profitability 3Q 2025 YtD FY 2025 3Q 2026 YtD YtD change in pp YoY Change in pp Yield 4.8% 4.9% 5.0% 0.1 0.2 Cost of funds1 2.18% 2.16% 2.21% 0.05 0.03 Cost of funds on customer deposits (% avg deposits) 2.05% 2.02% 2.07% 0.05 0.02 NIM (% avg int earning a
Slide 76: Key performance ratios, quarterly development
FINANCIAL STATEMENTS Key performance ratios – quarterly development Profitability 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Yield 4.9% 4.9% 4.8% 4.8% 4.8% 4.9% 4.9% 5.0% 5.1% Cost of funds1 2.70% 2.37% 2.24% 2.19% 2.08% 2.12% 2.11% 2.18% 2.27% Cost of funds on customer
Slide 77: Appendix
Appendix • Events with Investors • Distributed Dividends and Total Shareholder Return • Capital Requirements • Issued Bonds and Capital Instruments Overview • Deposit and Lending Market • Financial Statements & Key Performance Ratios • Glossary of Terms
Slide 78: Glossary 1/3
GLOSSARY 1/3 Annual premium equivalent is an equivalent of twelve months written premium on all Cost of Funds on Customer Interest expense and similar charges on customer deposits for the period divided by the Annual premium equivalent contracts originated during the period. Deposits (% Avg Deposits
Slide 79: Glossary 2/3
GLOSSARY 2/3 Gross written premium Gross written premium is the sum of all monthly premiums collected during the period New volume / New production Aggregate of loan principal disbursed in the period for non-revolving loans Group The Bank and its subsidiaries Instalment products: model output of yie
Slide 80: Glossary 3/3
GLOSSARY 3/3 Calculates the weighted average risk weight for the entire banking and trading book Tangible Equity Calculated as total equity less intangible assets and goodwill (incl. Off-balance & On-balance sheet), plus considering also Operational Risk, Market RWA density The aggregate of Common e
Slide 81: Disclaimer and other information
Disclaimer and other information • THIS PRESENTATION IS NOT AN OFFER OR A SOLICITATION OF OFFERS TO SELL, PURCHASE OR SUBSCRIBE FOR SHARES OF MONETA MONEY BANK, A.S. (THE “COMPANY”), OTHER SECURITIES OR OTHER FINANCIAL INSTRUMENTS. • Copies of this presentation may not be sent to countries, or distr
Slide 82: Contacts
INVESTOR RELATIONS Contacts Linda Kavanová MONETA Money Bank, a.s. BB Centrum, Vyskočilova 1442/1b Jarmila Valentová 140 28 Praha 4 – Michle Tel: +420 224 442 549 [email protected] Dana Laštovková www.moneta.cz Identification number: 25672720 Bloomberg: MONET CP ISIN: CZ0008040318 Reuters: MONET.P
Slide 83: MONETA Money Bank
MONEY BANK MONETA