1H 2022 Results

Published on 28 July 2022 at 07:00 CET

According to IFRS, Consolidated, Unaudited

MANDATORY DISCLOSURE / PUBLIC DISCLOSURE OF INSIDE INFORMATION

1H 2022 HIGHLIGHTS

(in CZK)

Operating

Operating

Operating

Cost of

Net

income

expenses

profit1

Risk

profit

6.1bn (2.8)bn 3.3bn 0.3bn 2.9bn

+13.1%

(1.9)%

+29.9%

net release +100.7%

Note: Figures may not add up due to rounding differences. Percentage represents year-on-year change. (1) Profit for the period before tax and Cost

2

of risk.

1H 2022 HIGHLIGHTS

(in CZK)

Balance

Lending

Deposit

Issued

Accounting

sheet

base1

base2

bonds

equity

367.1bn

267.1bn

296.5bn

9.4bn

28.8bn

+16.0%

+11.7%

+11.4%

+27.3%

+1.1%

Note: Percentage represents year-on-year change. (1) Gross performing loan portfolio; (2) Core customer deposits.

3

1H 2022 HIGHLIGHTS

Net

Cost to

Return On

Capital

Liquidity

Interest

Income

Tangible

Adequacy

Coverage

Margin

Ratio

Equity

Ratio

Ratio

2.8%

45.9%

22.6%

16.8%

149.3%

+0.1pp

(7.0)pp

+11.4pp

(2.4)pp

(7.5)pp

Note: Percentage points (pp) represent year-on-year change.

4

1H 2022 KEY TRENDS

LOWER NEW BUSINESS VOLUMES

INCREASING COST

OF FUNDING

INFLATION

INCREASING

PRESSURE ON

CAPITAL

COST BASE

REQUIRMENT

New loan volumes CZK

35.4 billion, down by 20.6% year-on-year,mainly due to slowdown of new mortgage lending, which decreased by 44.0% year- on-year

Increasing pressure on Cost of Funds which have increased to 1.10% compared to 0.38% in 1H 2021 (increasing from 0.96% in 1Q 2022 to 1.23% in 2Q 2022)

Persistent pressure on wages complemented by increasing cost of rents, commodities, energy, professional and other services resulting in 2.0% increase on recurring basis1

Capital requirement will gradually go up by 150bps by April 2023 which will consume CZK 2.7 billion of excess capital and future profits (assuming CZK 180 billion of RWA and 2.6% Pillar II requirement)

Note: (1) Expenses adjusted for costs and reimbursement related to terminated acquisition of Air Bank Group.

5

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Disclaimer

Moneta Money Bank a.s. published this content on 28 July 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 28 July 2022 05:07:05 UTC.