MONETA Money Bank : Is the Second Bank of the Year, Takes Silver Also in the Category of Corporate Banks and Mortgages

MONETA Is the Second Bank of the Year, Takes Silver Also in the Category of Corporate Banks and Mortgages

Prague, 19 November 2021

MONETA won a total of three silver medals at yesterday's Bank of the Year awards: second place in the Corporate Bank of the Year category, Mortgage of the Year and the main competition itself. MONETA defended its second place in the Bank of the Year and Mortgage of the Year competitions for the second time, and won silver for its success in corporate banking for the first time in this newly awarded category.

MONETA achieved silver success in the main category thanks to its excellent results in the digitalisation of its products and services, attractive rates in deposit products and its strategy of offering investment funds without entry fees. The bank scored with sole traders and small businesses mainly thanks to its support for clients affected by the COVID pandemic: operating and investment loans with COVID guarantees from the National Development Bank and the EIF, operating and investment loans for export-orientedcompanies with EGAP guarantees, and a unique offer of business loans for women. The award for Mortgage of the Year went to MONETA for the uniqueness of its broad mortgage programme, headed by 100% online mortgage refinancing via the Refinanso.cz platform.

MONETA has been strong in all three competition categories for a long time, where it is particularly successful in combining attractive banking products offered online: the bank currently offers over 80% of its entire product proposition online, either through its mobile or web applications. Moreover, the Smart Banka mobile service can also be used by customers of any other bank, even those who are not Moneta customers at all. The bank is also thriving on the authentication front, increasingly using the Bank ID to verify product set-ups.

The bank is also attractive for domestic sole traders and small businesses: in the COVID III support programme, more than one in two sole traders affected by the pandemic turned to MONETA Money Bank. The bank's impressive success rate, which in nominal terms reached almost 60% of the market share, was mainly due to the ease and speed with which applications were processed, the very favourable interest rate with a 90% guarantee from the National Development Bank, the possibility of spreading repayments over a longer period, and the willingness to grant credit to entrepreneurs in the sectors most affected by the coronavirus pandemic.

MONETA's strength in the mortgage market is mainly due to the combination of attractive interest rates and the possibility of arranging mortgage refinancing online: since the launch of the revolutionary online service Refinanso.cz in January 2020, approximately 5,300 clients have already arranged a mortgage for the purpose of refinancing from the comfort of their homes, with a volume of over CZK 10 billion. The entire

For more information, please contact:

Zuzana Filipová, mob.: [phone], [e-mail]

Beaufort PR

Jan Cihlář, [phone], [e-mail] or Media Service [e-mail] and www.moneta.cz

MONETA Money Bank, a.s., which is the controlling person of MONETA holding, is a leading independent Czech bank, servicing clients through its nationwide branch network. The bank has been traded on the Prime Market of Prague Stock Exchange since 2016. The bank has focused on retail and SME oriented business model with a strong position in the consumer and agriculture segments. In addition, the bank provides customers with insurance products and investment funds. MONETA serves more than 13% of the Czech population via an omni-channel distribution strategy which includes 154 branches and 555 ATMs, a market-leading digital banking platform, a call centre, auto dealers, building society and mortgage bank, brokers and leasing partners.

process of arranging a housing loan can be completed in one day - the platform allows, for example, free online property valuation or automatic generation of loan agreements. In the first half of next year, MONETA plans to fully digitalize the process for arranging new mortgages.

For more information, please contact:

Zuzana Filipová, mob.: [phone], [e-mail]

Beaufort PR

Jan Cihlář, [phone], [e-mail] or Media Service [e-mail] and www.moneta.cz

MONETA Money Bank, a.s., which is the controlling person of MONETA holding, is a leading independent Czech bank, servicing clients through its nationwide branch network. The bank has been traded on the Prime Market of Prague Stock Exchange since 2016. The bank has focused on retail and SME oriented business model with a strong position in the consumer and agriculture segments. In addition, the bank provides customers with insurance products and investment funds. MONETA serves more than 13% of the Czech population via an omni-channel distribution strategy which includes 154 branches and 555 ATMs, a market-leading digital banking platform, a call centre, auto dealers, building society and mortgage bank, brokers and leasing partners.