MONETA Money Bank (MONET) investor relations material

Strategic development and market position

• Achieved 501% total shareholder return from 2016–2025, with 93% of net profit distributed as dividends and an average RoTE of 17.5%.

• Outperformed Czech lending and deposit market growth, nearly doubling market share since 2016.

• Maintained a steady A2 credit rating with a stable outlook from Moody’s for six years.

• Client base grew by 50.9% to 1.6 million, with digital users up 117.6% and brand awareness reaching 50%.

• Branch network reduced by 47% and employee base by 20.9%, while digital channels became the primary sales and service platform.

Financial performance and profitability

• Cumulative net profit of CZK 45.5bn (2016–2025), with annual net profit CAGR of 5.4%.

• Operating income grew at 2.6% CAGR, supported by fee and commission income, especially from third-party products.

• Cost to income ratio improved to 41.9% in 2025, with operating expenses managed below 2% annual growth despite higher inflation.

• Average cost of risk remained low at 0.43%, with high portfolio quality and declining NPL ratio to 1.0%.

• Dividend policy resulted in CZK 42.3bn cumulative payout, with an average yield of 8.4%.

Balance sheet and capital management

• Balance sheet more than tripled since 2016, reaching CZK 505bn in assets by 2025.

• Net loans grew 2.6x and deposits 3.8x, with retail and small business loans rising to 71% of the portfolio.

• Loan to deposit ratio decreased to 66%, and liquidity coverage ratio consistently exceeded 350%.

• Capital adequacy ratios remained strong, with total capital at 18.7% and Tier 1 at 15.6% in 2025.

• MREL ratio and standalone capital position significantly above regulatory targets.