Investor Presentation. February 2018

Investor Presentation February 2018

Road to MONETA Money Bank Twenty years of presence on the market IPO and rebranding to MONETA Money Bank MONETA Auto MONETA Leasing 2016 Acquired part of Agrobanka 2014 Acquired Multiservis 1998 2005 Acquired VB Leasing 1997 Acquired IMP Leasing Rebranded to GE Money Bank and GE Money Auto 2

Company snapshot Financial Metrics in CZK in EUR Highlights MONETA Money Bank is a leading retail and expanding small business bank in the Czech Republic with a well-established position in consumer finance and growing position in small business lending 4 th largest branch network with 227 branches and 668 ATMs as of December 2017, well-dispersed across the Czech Republic, serving ~1m customers ~9% 2 of the Czech population Aiming to become digital leader on the Czech market: best mobile platform, fully digital pre-approved unsecured loans for existing retail and small business clients, recently introduced on-line travel insurance and Google Pay Well balanced business mix with 50% of net loans in retail 3 and 50% in commercial 3 FY 2015 FY 2016 FY 2017 FY 2015 FY 2016 FY 2017 Customer Net Loans 108.4bn 111.9bn 123.7bn 4.24 bn 4.38 bn 4.84 bn Customer Deposits 108.7bn 116.3bn 141.5bn 4.26 bn 4.55 bn 5.54 bn Net Loans / Customer Deposits 99.8% 96.2% 87.4% 99.8% 96.2% 87.4% Tangible Equity 27.3bn 26.4bn 24.5bn 1.07 bn 1.03 bn 0.96 bn CET1 Ratio 1 17.7% 20.5% 17.4% 17.7% 20.5% 17.4% Total Operating Income 12.1bn 11.1bn 10.3bn 0.47 bn 0.43 bn 0.40 bn Consolidated Net Profit 4.5bn 4.1bn 3.9bn 0.18 bn 0.16 bn 0.15 bn RoAA 3.2% 2.8% 2.2% 3.2% 2.8% 2.2% Reported RoTE 16.5% 15.3% 16.0% 16.5% 15.3% 16.0% Dedicated management team with a wealth of experience in financial services, both domestically and internationally Notes: Exchange rate of CNB CZK/EUR 25.54 as of Dec 31, 2017 ; (1) CET1 ratio does not include net profit for the respective period; (2) Refers to only retail customers as % of total population; (3) Retail includes consumer loans, consumer authorised overdrafts, credit cards as well as consumer auto and other; commercial includes investment loans, working capital, small business lending, auto & equipment loans and leases, inventory financing and other; 3

2017 Financial performance against guidance Delivering on all key 2017 financial commitments and proposing solid dividend payout Metrics 2017 Initial guidance 3 2017 Revised guidance 4 2017 Results 5 Consolidated Net Profit ~ CZK 3.4bn ~ CZK 3.9bn CZK 3.9bn Return on Tangible Equity 1 ~ 14% ~ 16% 16.0% Loan Growth (YoY) 2 high single digit high single digit 10.8% Cost to Income upper mid 40s upper mid 40s 47.9% Cost Base < CZK 4.9bn ~ CZK 4.8bn CZK 4.9bn incl. restructuring costs 6 Cost of Risk 100-110bps 50-60bps 32bps NPL Ratio < 6% < 5% 4.1% Total NPL Coverage ~ 80% ~ 80% 77.0% Capital Adequacy Ratio 7 > 17% > 17% 17.4% Management proposes CZK 4.1bn for 2017 dividend payout (CZK 8.00 gross per share) 8 Notes: (1) Reported RoTE; (2) Gross performing loan growth; (3) Announced on 10 February 2017; (4) Revised in 3Q 17 except for the Cost Base which was updated in 1Q 17; (5) Unaudited figures; (6) Relating primarily to branch network downsizing and Leasing franchise reorganization; (7) Does not include net profit for 2017; (8) Subject to corporate, regulatory and regulator s limitations and approval of the Annual General Meeting to be held on 25 April 2018; 4

MONETA s investment thesis Targeting return to growth and stabilization of revenues by 2019 while delivering solid mid-term dividend returns 1 Attractive Macro Environment and Profitable Banking Sector 2 Clearly Defined Strategy and Strong Business Model 3 Sustainable Risk Management 4 Fortress Balance Sheet 5 Attractive Profitability 6 Dedicated and Experienced Management Team 5

1 Attractive Macro Environment and Profitable Banking Sector 6

1 Macroeconomic environment Outlook positive with interest rate projected to further increase over next months, additional rate hike of 25bps announced by CNB on 1 February 2018 Strong GDP Outlook Key Macroeconomic Indicators 1 5.4% 1Q 17 ACT 3.0% YoY 2Q 17 ACT 4.7% YoY 3Q 17 ACT 5.0% YoY 4.5% 1 3.6% 1 3Q'16 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 3M PRIBOR 0.29% 0.29% 0.28% 0.30% 0.40% 0.66% 2.5% Unemployment 5.3% 5.0% 5.1% 4.2% 3.9% 3.6% Inflation 0.6% 1.5% 2.5% 2.2% 2.5% 2.6% EUR/CZK 27.0 27.0 27.0 26.5 26.1 25.7 2015 2016 2017f 2018f Banks NPL ratio 5.2% 4.8% 4.5% 4.3% 4.0% 4.0% Industrial Production and Export Interest Rate Forecast 2 9.1% 6.2% 7.3% 7.5% 4.8% 5.0% 3.7% 3.3% 4.1% 4.4% 0.7% 3.2% 0.4% -1.3% 2Q'16 3Q'16 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 Industrial production Export 3 2.36 2W Repo rate 1.90 3M PRIBOR 1.47 2.16 1.14 0.92 0.98 0.93 0.92 1.70 0.66 1.27 0.40 0.29 0.28 0.30 0.94 0.50 0.72 0.78 0.73 0.72 0.25 0.05 0.05 0.05 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 1Q'18 2Q'18 3Q'18 4Q'18 1Q'19 2Q'19 3Q'19 4Q'19 Source: Czech Statistical Office, Ministry of Labour, Ministry of Finance, Czech National Bank, Latest (revised) data; Notes: (1) All data except Bank s NPL ratio represents quarterly averages; (2) Latest CNB forecast from February 1, 2018 used for period 1Q 18 to 4Q 19 (http://www.cnb.cz/cs/menova_politika/zpravy_o_inflaci/2018/2018_i/download/zoi_i_2018_t_1_makroindikatory.xlsx); (3) Export following national concept; 7

1 Solid Czech banking sector Favorable development of economy with positive outlook, banking sector with solid capitalization, strong liquidity and profitability Country with Favorable Economic Outlook Supported by Strong Liquidity 2015 2016 2017 2018F 1 75.5% GDP Growth 5.4% 2.5% 4.5% 3.6% Positive Unemployment 6.5% 5.5% 4.2% 3.4% Low /CZK 27.29 27.03 26.33 24.90 Appreciation 22.6% PRIBOR (3M) 0.31% 0.29% 0.41% 0.94% Increasing Inflation 0.3% 0.7% 2.5% 2.3% Czech Republic Country Rating 2 : A1 / AA-. Outlook Stable Acceleration Czech Banking System Liquid Assets / Total Assets 3 Czech Banking System Loans to Deposits 4 Well Regulated banking sector with Strong Capitalization 5 Czech Banks RoAA Among Highest and Most Resilient in EU 6 17.5% 17.4% 17.1% 16.0% 17.8% 17.2% 13.7% 9 bps 15 bps 25 bps 4 bps 3 bps 106 bps 119 bps 101 bps 30 bps 16 bps 9 bps (26) bps Czech Market CET1 Ratio Czech Republic Poland Austria UK Germany Hungary 2012-16 Average RoAA RoAA Standard Deviation (2012-16) Source: Czech Statistical Office, Ministry of Labour, Ministry of Finance, Czech National Bank, Latest (revised) data; Notes: (1) CNB forecast; (2) Moody s and S&P - Foreign Currency LT debt rating; (3) Consolidated, as of September 2017; (4) As of December 2017; (5) As of September 2017; MONETA as of December 2017 consolidated, others based on regulatory disclosure requirements; (6) Latest data available as of December 2016; 8

1 Overview of consumer lending market dynamics Pricing pressure resumed in 4Q 17 with market new business rates dropping 60bps Consumer loans portfolio balances and new volume pricing 1 8.8% MONETA new volume pricing in January 18 15.0% New Volume Pricing 2 Market MONETA Gross Balance in CZK bn 12.0% 12.1% 11.8% 11.6% 11.0% 170.8 173.2 178.0 181.5 185.4 187.3 191.9 194.5 198.5 (320) bps 11.4% 10.8% 10.6% 10.2% 9.7% 9.3% 9.4% 8.8% 9.5% 9.3% 9.3% 8.5% 4Q'15 1Q'16 2Q'16 3Q'16 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 37.2 35.3 36.2 36.7 36.8 37.0 37.6 37.5 38.2 4Q'15 1Q'16 2Q'16 3Q'16 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 Market MONETA MONETA Market Share in New Volumes 3 21.2% YTD 19.6% 21.7% 19.9% 19.3% 17.0% 22.1% 23.0% 20.3% 19.3% 4Q'15 1Q'16 2Q'16 3Q'16 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 Notes: (1) Source: CNB ARAD, following CNB definition (includes Non-purposed and purposed consumer loans, Debt consolidations and American mortgages). New Volume pricing represented by annualized weighted average rate for Czech residents denominated in CZK only. Portfolio balances in CZK bn, gross loans excluding non-residents and loans in foreign currencies; (2) Quarterly average of new volume pricing; (3) Source: CNB ARAD, Bank. Gross loans excluding Non-residents and loans in foreign currencies. Consumer loans represent Non-purposed and purposed consumer loans, Debt consolidations, American mortgages and all other MONETA products classified as consumer loans; Includes new lending, consolidation and repricing; figures may defer from the previously reported market data due to standard CNB revision process; 9

2 Clearly Defined Strategy and Strong Business Model 10

2 Executing on strategic commitments Delivering on all quantitative and qualitative targets 10.8% YoY growth of gross performing loan book1 mainly driven by Retail and supported by strong Commercial growth Digital Capabilities Risk Management Sustainability 148.7% YoY growth of new mortgage production 2, achieving market share of 4.3% 3 in new production and net balance growth of 30.6% YoY 154.8% YoY growth in small business production, resulting in net balance growth of 60.3% YoY Maintain & Improve Retail Franchise Develop Small Business Banking Retain & Reinforce SME Banking Cost Control and Operational Excellence Efficient Capital Strategy Notes: (1) Gross performing loans and receivables to customers; (2) Mortgage book includes American mortgages; (3) Source: market data based on signed contracts from Hypoindex.cz (https://www.hypoindex.cz/hypoindex-vyvoj/); (4) Relating primarily to branch network downsizing and Leasing franchise reorganization; (5) Does not include net profit for 2017; (6) Consists of impact from allowances book up of CZK 695m and reclassification of securities of CZK (57)m; (7) Subject to corporate, regulatory and regulator s limitations and approval of the Annual General Meeting to be held on 25 April 2018; (8) See slide Disclaimer and other information; Smart Banka captured 12.5% of all MONETA s e-payments in Dec 2017; Google Pay launched in Nov 17 attracting more than 11,000 users by the year end 32bps incurred Cost of Risk, positively influenced by continuing monetization of legacy non-performing loans and favorable macroeconomic environment (59bps excluding legacy NPL sales) 0.7% YoY reduction in operating expenses with Cost to Income ratio of 47.9%, including one-time restructuring cost of CZK 115m 4 17.4% 5 CET1 ratio remains robust allowing to absorb IFRS9 total impact 6 of CZK 638m in 2018. Management plans to propose 2017 dividend pay-out of CZK 8 gross per share, amounting to 104% of 2017 consolidated net profit 7 MONETA s rating reaffirmed by S&P (BBB) with stable outlook 8 11

2 Strong business model With focus on unsecured consumer lending, mortgages, small business and SME financing Net loans and receivables to customers 75% 72% 78% 110% 87% Auto Retail & Other Credit Cards / Overdraft Consumer Loans Auto & Leasing 2 2% 3% 28% 94% 1 12% Commercial Banking 38% Mortgage 16% Consumer 34% Focus on small business and agriculture segments Commercial Lending 50% Retail Lending 50% 6% 8% 0% 10% 0% 39% 42% 50% 55% 63% 45% 46% 43% 37% 24% 11% 4% 6% 3% 8% Major Shareholder: Highlights Net Loans / Deposits Ratio 3 Consumer 4 Mortgage Commercial Other 5 Focused on attractive Retail and Commercial segment through banking and asset-based financing solutions Leading presence in unsecured consumer lending and agriculture segments, achieving a significant turnaround in mortgages Business philosophy firmly anchored on risk adjusted return Notes: MONETA, KB data as of December 2017; CS and CSOB data as of September 2017, RB and UCB as of June 2017; Figures in the stacked bar charts may not add up to 100% due to rounding differences; (1) Excluding CZK 9.4bn of repo transactions; (2) Includes Inventory financing; (3) Calculated as customer net loans / customer deposits. CS and RB single, others consolidated; (4) Includes consumer loans, overdraft, credit cards and other consumer products; (5) Where available, includes leasing and factoring receivables; 12

2 Balanced retail & commercial business portfolios Serving more than 1 million customers through solid network and on-line channels Retail Commercial Serving ~ 1m customers ~ 9% 1 of Czech population Serving ~ 90 thousand customers and focusing on small business lending and SMEs, with strong presence in agriculture segment 4 th largest branch network with 227 branches (1,675 FTEs) & 668 ATMs as of December 2017 National coverage with 46 dedicated commercial teams within the existing branch network Providing attractive products within the retail segment with strong focus on offering through digital channels Developing small business banking supported by sales force expansion (159 FTEs) and building digital distribution Segmental Split (4Q 17) Net Loans and Receivables to Customers Customer Deposits 7% 2 Total Operating Income 9% Retail Commercial Treasury / Other 50% 50% 34% 59% 26% 66% Total: CZK 123.7bn Total: CZK 141.5bn Total: CZK 10.3bn Figures in the charts may not add up to 100% due to rounding differences. Notes: (1) Refers to only retail customers as % of total population; (2) Treasury/Other includes repo transactions in amount of CZK 9.4bn; 13

2 Loyal and satisfied customer Customer satisfaction underpinned by better Net Promoter Score, supported by loyal customer base and well recognized MONETA brand post IPO Net Promoter Score 1 differentiates the Bank from others Stable spontaneous brand awareness 2 of MONETA Retail NPS 30 vs. Autumn 2016 NPS = 28 Stability 49% Rebranding 25 % 29 % 30% 34% 34% 35% Commercial NPS 21 vs. Autumn 2016 NPS = 8 Strong improvement 2 % 10% 2Q'16 3Q'16 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 GE Money MONETA Loyal Customer base 3 Highlights 12% 5% 8 Years Customer satisfaction confirmed by strong improvement of Net Promoter Score (NPS) in commercial especially in Small Business segment and stable NPS in retail 22% 61% 4-8 Years 1-4 Years < 1 Year Over 60% of customers have been with the Bank 8 years, witnessing solid customer base 35% unaided awareness of MONETA brand achieved 18 months after IPO Source: Company information, U&A study 2017 Ipsos, Ipsos Benchmarks; Notes: Data relates to retail operations only; (1) Data as of Autumn 2017. Net promoter score is the difference between % of promoters & % of detractors. Based on a survey on consumer products; (2) Percentage of respondents that can quote the brand name without any assistance; (3) Based on total Group s retail customers with at least one active product, data as of 4Q 17; 14

2 Underpinned by strong network and call centre operations Serving more than 2/3 of customers in small cities through efficient branch network, supported by call centre capabilities Broad and Balanced Geographic Reach with Enhanced Access to Customers in Smaller Towns Approx. 48,000 m 2 and CZK 180 million annual cost best in class concerning efficiency amongst Czech banks 1 Distribution by City Population 19% 22% 11% 48% <10k population 10k-50k population 50k-100k population >100k population User-friendly Call Centre Banking Services Enabling banking transactions and information requests over the phone without having to visit a branch Call Centre 24/7 access to bank account through call centre On-line communication also via emails, chats, Facebook, Twitter, Instagram, LinkedIn, YouTube and Internet banking requests Proactively approaching customers with competitive offers to address early termination challenges Notes: (1) Based on BCG Research; 15

2 Digital transformation progressing Strong development of digital franchise with market leading mobile platform Deliveries in 2017 Increasing digital banking penetration ths 158% YoY growth in Smart Banka users while 12.5% of all bank s e-payments in December 2017 realized via mobile Smart Banka platform capabilities enhanced during 4Q 17 based on customer feedback including addition of peer to peer payments, Google Pay, and streamlined bill payments process 15.5% of bank s sales of travel insurance completed fully online via Internet Banka & Smart Banka in 2017 6,067 6,372 6,553 6,543 6,672 6,910 5,840 6,154 109 136 162 187 72 37 1Q 2016 2Q 2016 3Q 2016 4Q 2016 1Q 2017 2Q 2017 3Q 2017 4Q 2017 Activated Smartbanka - Cumulative ths. DIGITAL Transactions # QTD 1 Aspirations for 2018 Smart BankaTransactions ths and % of total bank Fully online Credit Card for both retail & commercial to be introduced via mobile in 1Q 18 Further enhancement of digital pre-approved unsecured loan offer to expand the pool of eligible clients and accelerate take-up Digitally enabled retail unsecured lending for new to bank clients via tablet to be rolled out during 1H 18 New web presence to be developed in 2018 to drive online origination 750 600 450 300 150 0 2 Payment Service Smart Banka share +233% YoY 12.5% JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Notes:. Figures in chart may not add up due to rounding differences; (1) Digital transaction includes all transactions not originated via branch network or contact centre; (2) Transactions included: Ontime payments, Standing orders cancellation/activation/change, Direct debit cancellation/activation/change, phone credit top up (O2, Vodafone, T-mobile); 2016 2017 14% 12% 10% 8% 6% 4% 2% 0% 16

2 Strong performance in online lending In 2017 lending originated online rose in both consumer and small business segments Consumer loan volumes originated online 1 CZK m Small business loans originated online 1 CZK m +50.7% 4,814 YTD 283 YTD 119 3,195 YTD 1,376 1,208 1,116 1,113 303 984 75 127 866 88 169 113 704 642 117 83 1,041 1,025 1,081 1,074 753 815 587 560 1Q 2016 2Q 2016 3Q 2016 4Q 2016 1Q 2017 2Q 2017 3Q 2017 4Q 2017 Online initiated Fully online Highlights 21 18 21 18 11 11 23 23 2016 1Q 2016 2Q 2016 3Q 2016 4Q 2017 1Q 2017 2Q 2017 3Q 2017 4Q Online initiated Fully Online Highlights 73 YTD +289% 33 33 72 72 59 11 48 44 75 CZK 4.8bn consumer loans originated online, reaching 17.9% share of the bank s consumer loan production in 2017 CZK 593m consumer loan volumes originated fully on-line; increasing sharply in 4Q 17 following the introduction of pre-approved loans in Smart Banka & Internet Banka CZK ~19bn of pre-approved unsecured loan limits made available to more than 100ths existing retail clients through simple fully on-line process CZK 283m originated online, reaching 14.8% share of small business lending volume CZK 55m small business loan volumes completed fully on-line; 2.9% of total small business loan production during 2017 CZK ~2.5bn of pre-approved unsecured small business loan and overdraft limits made available to more than 17ths commercial clients through simple fully on-line process Notes: (1) Online represents volume from leads initiated through digital channels and disbursed either through digital channels or branches ; fully online = volume from leads both initiated and disbursed in digital channels; online initiated = volume from leads initiated in digital channels but disbursed at branch; 17

2 2018 Digital roadmap MONETA continues digital strategy to serve digital sales and marketing capabilities Q1 Q2 Q3-Q4 CREDIT DISTRIBUTION Retail Credit Card Business Credit Card Consumer loan ipad application Unsecured lending for companies online Online lending for new to bank entrepreneur clients Moneta Auto B2B platform Online consumer loans scoring for 3rd parties Instant pricing offer and conditional mortgage approval online TRANSACTION BANKING DISTRIBUTION Retail current account with new value proposition Mobile payments for Android Mobile payments for Apple 1 Small business & entrepreneur current account online FEE PRODUCTS DISTRIBUTION Business payment insurance protection Personal belongings and Cyber insurance Funds distribution on-line Standalone FX proposition Insurance cross-sell extension Note: (1) Dependent on Apple policy; 18

2 Executing on digital strategy Fully digital pre-approved unsecured loan for existing clients Completely on-line through Internet Banking In 10 minutes Signature via SMS 1 Setting up loan parameters 2 Confirming the validity of personal data 3 Signing contract via SMS 4 Drawing the credit 19

3 Sustainable Risk Management 20

3 Balanced retail and commercial portfolios With focus on unsecured consumer lending, mortgages, small business and SME financing Retail Net Loan Portfolio Other Loans 1 4% Commercial Net Loan Portfolio Unsecured Instalment Loans & Overdrafts 4% Inventory Financing & Other 2% Mortgage 33 % Consumer authorised overdrafts and credit cards 6 % Consumer loans 56 % Retail Unsecured 2 : 63% Total Net Loans as of December 2017: CZK 61,984m (50% of Group Portfolio) Auto & equipment Loan & Lease 23% Working Capital 15% Investment Loans Total Net Loans as of December 2017: CZK 61,696m (50% of Group Portfolio) 56% Highlights 59.6% 4 Loan To Value ratio as of 31 December 2017, mortgage portfolio strongly collaterised No retail FX lending Changing retail portfolio mix more towards secured lending Highlights 9% of the Group s total commercial exposures as of 31 December 2017 relates to top 10 customer exposures in aggregate value 44% 5 of gross receivables with real estate/land collateral as of 31 December 2017 32% share of agricultural sector and 22% share 6 of services Figures in the charts may not add up to 100% due to rounding differences. Notes: (1) Other loans include auto & equipment leases, auto & equipment loans and other loans; (2) Retail unsecured includes consumer loans, consumer authorised overdrafts and credit cards; (3) Based on total retail customers with at least one active product as of 4Q 17; (4) For performing portfolio of Retail Mortgages; (5) Refers only to the Bank Commercial individually managed portfolio. 46% of individually managed commercial loans are unsecured; (6) Based on share on commercial gross receivables as of 31 December 2017; 21

3 Continued improvement in asset quality Supported by proactive risk management, stable portfolio performance and maintaining conservative risk adjusted underwriting standards Well Provisioned and Decreasing NPL Portfolio with low Cost of Risk Total NPL Coverage 1 NPL (CZK bn) NPL Ratio 83.8% 83.0% 84.0% 82.5% 77.0% 16.5 15.5 14.8% 12.9% 14.0 11.7% 7.5 6.3% 5.3 4.1% 2.56% 1.70% 0.79% 0.93% 59bps Cost of Risk excluding legacy NPL sales 0.32% 2013 2014 2015 2016 2017 2013 2014 2015 2016 2017 Annualised Cost of Risk (% Avg. Net Customer Loans) 2 Highlights 4.1% NPL Ratio achieved through successful combination of NPL sales and write-offs 77.0% total NPL coverage driven by debt sales of aged and well covered receivables CZK 4.2bn of legacy NPLs portfolio sales in 2017 (CZK 2.1bn on/off balance sheet gross receivables) Highlights 32bps total Cost of Risk, positively influenced by continuing monetization of legacy non-performing loans and favorable macroeconomic environment 59bps Cost of Risk, excluding legacy NPL sales (CZK 315m) Cost of Risk expected to bottom out during 2018 based on latest CNB financial stability report Notes: NPL definition includes un-allowed debits (technical overdrafts); (1) Total NPL coverage represents total allowances (incl. IBNR) over NPL; (2) 2016 Cost of risk restated. Reclassification of collection costs from Administrative & Other operating expenses into Cost of risk; 22

4 Fortress Balance Sheet 23

4 Solid balance sheet fundamentals Maintaining low cost of funds, improving efficiency in excess liquidity placement and increasing overall leverage Balance sheet influenced by repo transactions CZK bn Low cost of funds CZK bn Other Assets Liquid Assets 1 Customer Loans 199.7 199.7 3.7 72.3 123.7 Liquid Assets 1 72.3 Cash and Equivalents 7.1 Financial Assets 2 11.8 Reverse Repo Transaction with CNB 53.1 Loans to Banks 0.3 9.3 32.6 132.0 Other Liabilities Repo Transactions Customer Deposits 4 0.17% 0.15% +13.6% 132.0 116.3 6.7 4.6 44.1 48.9 67.5 76.4 Cost of Funds Customer Deposits Term & Other Saving Accounts Current Accounts 3 4 4 Assets 25.8 Equity 2016 2017 31 Dec 2017 Liabilities & Equity 63% 63% o/w Retail Highlights 182.9% of LCR confirms excellent liquidity position, primarily consisting of CZK 53.1bn in reverse repo transactions, CZK 7.1bn in cash and CZK 11.7bn 2 in Czech government bonds, with excess liquidity 5 of CZK 16.1bn 13.6% YTD growth of customer deposit balance 4, remaining fully self-funded with LtD ratio 4 of 93.7%, growing across both retail and commercial deposits, while keeping cost of funding at low level of 15bps 8.1% regulatory leverage 6 (2016 at 13.1%) against Czech bank industry leverage of 6.2% 7 Notes: Figures in chart may not add up due to rounding differences; (1) Liquid assets are total of Cash and equivalents, Financial assets and Loans to banks as presented on Balance sheet; (2) includes CZK 3.4bn of encumbered assets; (3) Including repo transactions; (4) Excluding CZK 9.4bn of repo transactions; (5) Excess liquidity exceeding 100% LCR; (6) Calculated pursuant to CRR ; regulatory leverage influenced in 4Q 17 by opportunistic repo transaction of CZK 29.4bn; (7) Source: CNB web page <http://www.cnb.cz/cs/dohled_financni_trh/souhrnne_informace_fin_trhy/zakladni_ukazatele_fin_zdravi/fsi_ukazatele_kons.html>, as of 30 Sep 2017; 24

4 Optimizing returns on excess liquidity Significant increase in opportunistic operations with CNB and additional investments into Czech government bonds performed in 4Q 17 Excellent liquidity position CZK bn Highlights CZK 55.4bn CZK 72.3bn Total liquid assets CZK 72.3bn total liquid asset balance boosted primarily through 0.4 3.1 4.2 9.1 +30.6% 0.3 Cash and receivables 2.5 4.7 with other banks 11.8 Cash and reserves with CNB external funding from financial institutions CZK 53.1bn placed in reverse repo operations with CNB CZK 11.7bn 1 invested into Czech government bonds (held to maturity portfolio) with yield above 70bps Cash in ATMs and branches 182.9% of LCR ratio confirming excellent liquidity position 38.5 53.1 Bonds and securities Reverse repo transactions with CNB 30 September 1 2017 31 December 2017 Note: (1) Including encumbered assets of CZK 3.4bn; 25

4 Accelarating growth in lending and funding Well balanced loan portfolio funded by strong growth of customer driven deposit base Loans Portfolio Evolution 1 CZK bn Customer Deposits Portfolio Evolution CZK bn 111% 100% 96% 94% 3 123.7 107.2 108.4 111.9 61.7 50.9 54.7 57.3 (48%) (50%) (51%) (50%) 97.0 35.9 (37%) 108.7 43.7 (40%) 116.3 43.1 (37%) 141.5 9.4 (7%) 49.0 (35%) 83.0 73.2 56.3 62.0 53.7 54.6 61.1 65.0 (52%) (50%) (49%) (50%) (63%) (60%) (63%) (59%) 2014 2015 2016 2017 2014 2015 2016 2017 Retail Commercial 2 Repo transactions Net Loans / Deposits Ratio 4 Well-diversified loan portfolio equally split between retail and commercial segments Lending operations are predominantly funded by deposits, in particular by low-cost demand deposits Enhance funding by opportunistic repo transaction with financial institution in 2017 Notes: Deposit figures exclude deposits from banks. Figures in the charts may not add up to 100% due to rounding differences; (1) Based on net customer loans; (2) Commercial and other; (3) Excluding CZK 9.4bn of repo transactions; (4) Calculated as net customer loans / customer deposits; 26

4 Excess capital management Gradually progressing towards 15.5% medium term capital target with IFRS9 total charge of CZK 638m booked in January 2018 Capital position CZK m Capital usage CZK m 20.5% 1 Total CET1 ratio 17.4% 22,420 20,653 5,478 2,278 Excess Capital 5,478 (954) (1,433) CZK 343m gain from bond sale included in 2017 profit (394) (420) 2,278 15.5% 16,942 Required Capital at 15.5% capital adequacy ratio 18,375 2016 2017 15.5% 31 Dec 2016 Excess capital Excess capital paid in 2016 dividend Increase in RWA Change in intangibles and other 2 Change in AFS reserve Excess capital after 2016 dividend and 2017 movements 3 Highlights Bank reaffirms its medium-term target capital adequacy ratio of 15.5% 4 Expected consumption of excess capital over next 12 months IFRS9 total impact at CZK 638m in January 2018 (CZK 695m from allowances book up and CZK (57)m from reclassification of securities) Expected loan book growth more than 9% in 2018 (see guidance) Investments in digital and IT resulting in increase of intangibles (CZK 0.3-0.5bn) Management plans to propose to shareholders for their approval 2017 dividend payout of 104% of 2017 consolidated net profit 5 (CZK 8 gross per share) Note: (1) Does not include net profit for relevant year; (2) Impacted by impairment of MONETA Leasing goodwill of CZK 104m; (3) Subject to corporate, regulatory and regulator s limitations and approval of the general meetings; (4) Management target of 15.5% capital adequacy ratio consists of (a) 11% total SREP capital ratio (b) 2.5% conservation buffer (c) 1% countercyclical buffer (including additional 0.5% effective from 1 st July 2018) and (d) 1% management buffer; (5) Subject to corporate, regulatory and regulator s limitations and approval of the Annual General Meeting to be held on 25 April 2018; 27

5 Attractive Profitability 28

5 Delivering high returns with strong capitalization Seeking revenue stabilisation by the end of 2018 on basis of balanced, sustainable growth, benefiting from interest rate hikes Return on tangible equity RWA Density 16.5% 15.3% 16.0% 90.4% 73.2% 69.6% 2 Track record of attractive profitability and capacity for high dividend payout 2015 2016 2017 CET1 ratio 1 and regulatory capital 1 (CZK bn) 17.7% 20.5% 17.4% 22.3 22.4 20.7 2.7 5.5 2.3 2015 2016 2017 Dividend payout (CZK bn) 100% 124% 104% 4.5 5.0 4.1 3 14% of capital adequacy ratio confirmed by CNB 4 (consists of 11% total SREP capital ratio, 2.5% conservation buffer and 0.5% countercyclical buffer 5 ) Continued focus on RWA density optimalisation CZK 11.5 billion 6 to be proposed by Management to shareholders as 2017 2020 aggregate dividend payout 19.6 16.9 18.4 2015 2016 2017 Excess capital CET1 ratio Regulatory capital @ 15.5% CET1 Ratio 2015 2016 2017 Dividend payout Dividend payout ratio Notes: (1) Does not include net profit in the respective period (earnings not included in CET1 until approved by Management board and audited financials are approved by shareholders); (2) Repo transactions with counterparties which are closed on back-to-back basis by reverse repo transactions with CNB are not included; (3) Subject to corporate, regulatory and regulator s limitations and approval of the Annual General Meeting to be held on 25 April 2018; (4) CNB may re-assess SREP capital requirement on the basis of further CNB s oversight activities or at least annually; (5) Countercyclical buffer will increase to 1% effective from 1st July 2018; (6) Subject to corporate, regulatory and regulator s limitations and approval of the particular Annual General Meeting; 29

6 Dedicated and Experienced Management Team 30

6 Experienced and international management team International management team with strong expertise and high level of aspiration to deliver strategic objectives Management Board of MONETA Money Bank Years in Fin Services Years at MONETA 1 /GE Track record of success Tomáš Spurný Chair of the Management Board, Chief Executive Officer Previously, CEO of Romania s biggest bank Banca Comercial Romana (2012-2015), CEO of CIB Bank Hungary (2009-2012), CEO of PPF Czech Republic (2007-2009), CEO of VÚB Banka (2002-2007) and a member of the board of Komerční Banka (2000-2002) Philip Holemans Vice-Chair of the Management Board, Chief Financial Officer CFO since 2014. Previously, CFO at GE Capital for Germany and Benelux Has a master degree in Applied Economics from Leuven University in Belgium Jan Novotný Chief Commercial Banking Officer CCBO since 2013 Joined GEMB in 2003 as a commercial banking analyst; went through several positions, like data team leader, product manager to head of the SME segment Carl Normann Vökt Chief Risk Officer CRO since 2012. Held the position of Chief Risk Officer at Bank BPH previously Holds a master degree in Finance and Marketing gained at the Karl- Franzens University Albert Piet van Veen Chief Operating Officer COO since 2017. Previously, CIO at Schiphol Group Amsterdam Has a master degree in IT Management and Auditing from Erasmus University, Rotterdam and in Management Science and Business Engineering gained at Eindhoven University of Technology Note: (1) Till 30 April 2016 GE Money Bank, a.s. (GEMB); 18 2 20 4/19 14 14/13 26 5/8 8 0.5 CEO, Tomáš Spurný has significant expertise in financial services in the CEE region International management team with a wealth of relevant experience in the financial services industry Deep operational knowhow coupled with strong knowledge of Czech banking Proven track record of delivering profitability through the economic cycle Clearly defined strategy for future profitable growth Targeting alignment of senior management incentive scheme towards external KPI s in 2H 17 31

4Q 2017 Financial Performance Disclosure 32

Overall business performance Generated consolidated net profit of CZK 3.9bn, RoTE of 16.0% and solid growth Growth +10.8% 10.8% YoY growth in gross performing loan portfolio 1, outperforming guidance of high single digit growth 14.7% YoY increase in retail net performing loans 30.6% YoY accelerated growth in net balance of mortgages 2, achieving new volume market share of 4.3% 3 in 2017 8.3% YoY growth in net balance of consumer loans and achieving new volume market share of 21.2% 4 7.6% YoY growth in commercial net performing loans 60.3% YoY growth in net small business balance, with new volume up 154.8% YoY 10.2% YoY increase in net investment loans balance Income (6.5)% Cost (0.7)% Risk 32bps RoTE 16.0% CZK 10.3bn of operating income, down 6.5% YoY, in line with guidance NIM at 4.3% (NIM excl. reverse repo at 4.7%) confirming pricing pressure expected in 4Q 17 and high liquidity in the market Core NII erosion continuously decelerates QoQ CZK 35m lower operating expenses YoY (down 0.7%) CZK 115m of restructuring costs incurred in 4Q 17, mainly related to branch network reduction and MONETA Leasing reorganization in 2018 47.9% Cost to Income ratio in line with guidance 32bps Cost of Risk, supported by gain from legacy NPL sales (59 bps Cost of Risk excluding legacy NPL sale) 4.1% NPL ratio, further decrease compared to 4Q 16 77.0% total NPL coverage CZK 3.9bn of consolidated net profit generating 16.0% Reported RoTE CZK 24.5bn tangible equity, with total equity of CZK 25.8bn CZK 104m impairment of MONETA Leasing goodwill on consolidated level 5 CET1 17.4% CZK 118.5bn of RWA, with RWA density of 69.6% 6 17.4% of CET1 ratio 7 on consolidated basis, 18.2% 7 on individual basis CZK 4.1bn proposed 2017 dividend payout 8 Notes: (1) Gross performing loans and receivables to customers; (2) Mortgage book includes American mortgages; (3) Source: market data based on signed contracts from Hypoindex.cz ; (4) Source: CNB ARAD, Bank. Gross loans excluding Non-residents and loans in foreign currencies. Consumer loans represent Non-purposed and purposed consumer loans, Debt consolidations, American mortgages and all other MONETA products classified as consumer loans; 5) Impact on single level of CZK 1.3bn; (6) Repo transactions with counterparties which are closed on back-to-back basis by reverse repo transactions with CNB are not included; (7) Does not include net profit for 2017; (8) Subject to corporate, regulatory and regulator s limitations and approval of the Annual General Meeting to be held on 25 April 2018; 33

Gross loan portfolio development Robust new volume production, improving customer metrics underpinned by better net promoter scores (NPS) Gross loans and receivables to customers CZK bn Underlying client base stable Nr. of clients, ths Total Retail Commercial 1,064 72 (46) 1,089 (56) 1,033 Balance 31 Dec '16 118.0 59.3 58.7-482 485 428 New Volume 1 55.2 35.4 19.8 Other customers Early Repayment 2 (23.5) (20.0) (3.5) 582 4 604 604 Primary banking customers Ordinary Repayment 3 (19.6) (7.2) (12.4) Dec 2016 New Left Dec 2017 Write-offs Dec 2017 Write-offs and Sales Balance change on revolving products Balance 31 Dec '17 (2.7) 0.3 127.7 64.9 (2.1) (0.6) 62.9 (0.6) 0.9 CZK 9.7bn gross balance increase, driven by strong new production in both retail and commercial, supported by 22ths new primary banking customers on net basis CZK 23.5bn of early repayments 2 mainly driven by consumer loan repricing and internal consolidation 26ths new clients added on net basis 5, customer satisfaction confirmed by strong improvement of NPS score in commercial (from 8 to 21) and stable NPS in retail (from 28 to 30) Notes: Figures in chart may not add up due to rounding differences; (1) New volume excluding revolving loans and Other. New volume includes internal repricing for consumer loans only; (2) Early repayments represent full or partial repayments of principal balance outside of the ordinary repayment schedule include internal repricing of consumer loan balances and exclude repayments of overdue balances, write-offs and debt sales; (3) Includes impact of FX revaluation; (4) Retail customer with credit income on current account of more than 7ths CZK at least twice in last 3 months and commercial customer with at least 9 customer initiated debit transactions in previous 3 months, or customer with active not delinquent loan product; (5) Excluding impact of NPL write-offs, also includes 5ths customer accounts closures by MONETA; 34

Net loan portfolio development Accelerated balance increase in both segments supported by strong growth in retail mortgages and commercial small business lending Total retail loans new volume 1 CZK bn Total commercial loans new volume 1 CZK bn 6.0 6.8 25.4 YTD 6.4 6.2 +39.6% 8.3 10.1 35.4 YTD 8.4 8.7 3.3 +15.7% 17.1 YTD 19.8 YTD 5.8 5.7 4.0 4.2 4.0 3.9 5.8 1Q'16 2Q'16 3Q'16 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 1Q'16 2Q'16 3Q'16 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 Net retail loan performing balance CZK bn Net commercial loan performing balance CZK bn 51.5 +3.0% 53.0 +14.7% 60.8 53.8 +5.3% 56.7 +7.6% 61.0 2015 2016 2017 2015 2016 2017 Notes: Figures in chart may not add up due to rounding differences; (1) New volume excluding revolving loans and Other retail/other commercial; 35

Net retail loan portfolio development Solid growth in mortgages and other instalment lending products Continuing strong growth in net mortgage book CZK bn Solid consumer loans net balance growth CZK bn +30.6% +8.3% 15.6 16.5 17.7 18.8 20.3 32.3 32.8 33.7 34.1 35.0 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 Auto net lending balance strong performance CZK bn Decline in credit card & overdraft draw-downs CZK bn 2.2 2.2 +24.8% 2.4 2.5 2.7 4.6 (13.3)% 4.3 4.1 4.0 3.9 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 Notes: Figures in chart may not add up due to rounding differences; 36

Consumer loans production and balance attrition Higher new production matched by reduction in attrition, overall supporting consumer portfolio growth New consumer loans production CZK bn External loan balance attrition 1 CZK bn 5.42 +26.2% 21.3 YTD 6.53 5.82 5.20 4.83 7.87 26.8 YTD 6.28 6.16 0.97 3.3% 4.2 YTD 1.15 3.8% 1.01 3.3% (15.5)% 1.11 0.91 0.96 3.6% 2.9% 3.0% 3.6 YTD 0.78 2.4% 0.94 2.8% 1Q'16 2Q'16 3Q'16 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 New Volume 1Q 2016 2Q 2016 3Q 2016 4Q 2016 1Q 2017 2Q 2017 3Q 2017 4Q 2017 Attrition Proportion of average net performing loans 2 New production highlights Retention efforts highlights 26.2% YoY production growth, impacted by repricing activities 21.2% of new volume market share 3 maintained despite significant competitive pricing pressure in 4Q 17 8.3% YoY net balance growth supported by continuing efforts to protect portfolio against competitors 15.5% YoY reduction of balance churn through client retention actions External refinancing reduction delivered through implementation of a range of retention strategies proactive based on predictive modelling, reactive based on short term triggers and win-back Retention processes dramatically simplified both in branches and call center and staff extensively trained and highly motivated to retain consumer clients Notes: (1) External loan balance attrition is defined as extraordinary principal repayment transactions exceeding 40% of the prior month average principal and not recognized as internal repricing. Loans more than 30 days past due are excluded; (2) Represents balance attrition divided by 2-point average balance of net performing consumer loans for the quarter; (3) Source: CNB ARAD; 37

Small business franchise expansion Rapid growth supported by increased sales force capacity focusing predominantly on existing clients penetrating portfolio potential Small business net instalment lending balance CZK bn Small business net overdraft draw-downs 1 CZK bn +80.1% 1.66 1.86 2.19 1.51 1.52 12.9% 2 1.60 1.68 1.77 Unsecured Overdraft Total Limit 1.21 1.37 Unsecured Instalment Loan 1.00 1.01 1.08 1.14 1.19 Unsecured Overdraft Undrawn 0.51 0.50 0.52 0.54 0.57 Unsecured Overdraft Drawn 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 Significant growth in new volumes Highlights 748 YTD 171 185 159 40 54 67 1,906 YTD +154.8% 559 408 339 232 126 147 154 95 600 159 Unsecured instalment lending new volume (CZK m) Salesforce 3 60.3% YoY overall increase in net small business balance 154.8% YoY production growth in small business franchise with expanded network to 159 small business bankers 3 11.6% YoY improvement in sales force productivity Predominantly focusing on existing clients with history and relationship with MONETA 1Q'16 2Q'16 3Q'16 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 Notes: Figures in chart may not add up due to rounding differences; (1) Includes commercial credit cards (2) YoY change in drawn balances of unsecured overdraft and commercial credit cards; (3) Quarterly average of Small Business bankers. Expecting 6 months delay in reaching productivity effect; 38

Net commercial loan portfolio development Solid growth across all products, with exception of leasing Net investment loans balance CZK bn Working capital limits & portfolio balance CZK bn +10.2% 31.6 33.5 33.7 34.6 31.4 4.9 5.6 7.0 6.9 6.7 8.6 8.5 8.9 9.1 9.2 17.9 17.6 17.6 17.7 18.7 Real Estate Agro land and machinery +7.0% 3 14.0 13.9 14.8 14.5 14.8 5.4 5.3 5.8 5.0 5.5 8.7 8.6 9.0 9.5 9.3 Working Capital Total Limit Working Capital Undrawn 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 Other investment lending 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 Working Capital Drawn Net auto & equipment loans CZK bn Leasing franchise CZK bn +20.6% 5.1 4.2 4.3 4.6 4.8 1.0 0.8 0.9 0.9 1.0 3.4 3.5 3.7 3.8 4 4.1 Inventory Financing and Other MONETA 2 Auto 1 (11.5)% 11.2 10.8 10.4 10.1 9.9 MONETA 2 Leasing 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 Notes: Figures in chart may not add up due to rounding differences; (1) Includes inventory financing of MONETA Leasing and MONETA Auto; (2) Excluding Inventory Financing, shown separately. For MONETA Auto, only 39 commercial segment shown. MONETA Auto and Auto denotes MONETA Auto s.r.o., MONETA Leasing and Leasing denotes MONETA Leasing s.r.o.; (3) YoY change of Working Capital Net Receivables;

Loan portfolio margin evolution Quarter to quarter stable net interest income supported by CNB reverse repo operations, interest rate hikes not fully reflected Loan Portfolio Yield Net Interest Income 1 CZK m 12.08% 11.64% 11.24% 10.68% 10.11% 9.43% 8.15% 7.89% 8.97% 7.61% 8.48% 7.22% 6.80% 6.43% 6.19% 5.95% 6.3% 4.5% 4.3% 6.0% 5.8% 5.5% 5.1% 4.7% 4.3% 4.0% NIM excl. reverse repo NIM Retail Total 2,175 2,106 2,047 1,977 1,892 1,824 1,804 1,844 Net Interest Income 4.27% 4.17% 4.01% 3.86% 3.62% 3.51% 3.47% 3.44% Commercial 1 1Q'16 2Q'16 3Q'16 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 1Q'16 2Q'16 3Q'16 4Q'16 1Q'17 2Q'17 3Q'17 4Q'17 Retail net portfolio composition CZK bn Yield development 33% Secured 2 53.7 17.8 +29.8% 62.0 23.1 37% Secured Slowdown of NII erosion (excluding repo) continues in 4Q 17 6.0% overall yield in 4Q 17 (down 127bps vs 4Q 16) continues to decline, driven by retail yield impacted by consumer loans rate pressure, back book repricing and mix more balanced towards secured lending 67% Unsecured 3 +8.3% 35.9 38.9 63% Unsecured 3.4% commercial yield stabilizes in 4Q 17, despite rate hikes not fully translating into interest income 6.7% NII decrease YoY in 4Q 17, showing QoQ growth in 4Q17 supported by CZK 47m income from opportunistic repo operations 2015 2017 Notes: Figures in chart may not add up due to rounding differences; (1) 2016 restated as a result of reclassification of operating lease contracts, in accordance with requirements of IAS 17 Leases; (2) Retail secured includes mortgages, auto loans and financial leases; (3) Retail unsecured includes consumer loans, consumer authorized overdrafts and credit cards; 40

Net fees and commissions Insurance, asset management and transactional fees show strong performance, however fees on current accounts continue to erode due to conversion to free current accounts Net Fee & Commission Income CZK m Highlights (1.4)% 1,961 1,933 19.9% 396 361 59 109 (7.3)% 581 620 426 398 587 483 253 217-306 -290 2016 2017 Insurance Investment Funds Transactional and Other Penalty/Early termination Deposit servicing Lending servicing Expenses 1 19.9% (CZK 84m) YoY increase in fees from 3rd party products: CZK 49m YoY growth in investment fund fee income with 12% YoY increase in balance of assets under management CZK 35m YoY increase in insurance fee income 1 supported by broader insurance product offering 6.8% YoY growth of transactional and other fees 1 to CZK 620m 6.5% YoY decline in penalty and early termination fees to CZK 398m due to improving quality of MONETA loan book, partially offset by change in payment allocation method 16.7% YoY decline in servicing fees to CZK 700m: CZK 36m YoY decrease in loan servicing fee income due to fee-earning portfolio run off CZK 104m YoY drop in deposit servicing fee income driven by continuing market trend towards free current accounts Notes: Figures in chart may not add up due to rounding differences; (1) Insurance fee income negatively impacted by reclassification between Insurance and Other fees in the amount of CZK 11m (3Q 17 YTD) decrease of Insurance and increase of Other fees; 41

Operating expenses Managed flat costs against increase of employees, facing strong wage inflation pressure, increase of depreciation and amortization and booked restructuring charge in 4Q 17 Operating Expenses 1 CZK m Highlights (0.7)% 4,982 4,947 310 115 411 2,409 2,029 2,263 2,392 2016 2017 2016 2017 FTE s (avg.) 3,114 3,304 Cost to Income Ratio 45.1% 47.9% Restructuring Depreciation and amortisation Administrative & Other Operating Personnel 2 5.7% YoY increase in personnel expenses to CZK 2,392m: 6.1% YoY increase of average FTE s, mainly at front-end roles and digital related functions Retention reserve release impact in 2Q 16 (CZK 46m) 15.8% YoY decrease in admin & other operating expenses to CZK 2,029m: Rebranding & IPO costs in 2016 (CZK 254m) Saving on royalties (CZK 55m), lower MSA/TSA (CZK 174m) Release of solicitors reserve (CZK 84m), partly offset by release of restructuring reserve in 2016 (CZK 40m) Higher Digital and IT spend (CZK 60m) Higher Deposit insurance and Resolution fund contribution (CZK 28m) 32.7% YoY increase in depreciation and amortization to CZK 411m: Primarily driven by higher amortization due to investments in IT separation and Digital (Intangible assets balance grew 75% YoY) Total investment of CZK 1.2bn during 2017 consisting of tangibles and intangibles CZK 115m of one-off restructuring cost 2 booked in 4Q 17 Cost related mainly to planned branch network downsizing and MONETA Leasing franchise reorganization in 2018 Note: (1) Change in presentation of external collection cost directly attributable to related loan within the profit or loss line Net impairment of loans and receivables. Due to this change, the line Net impairment of loans and receivables and the line Other operating expenses of the consolidated profit or loss statement in 2016 were restated; (2) Out of total restructuring costs of CZK 115m, CZK 64m was booked in Personnel Expenses, CZK 48m in Administrative Expenses and CZK 3m in Depreciation & Amortization; 42

Improving Cost of Risk Positive result in Cost of Risk due to extraordinary gain generated by legacy NPL disposals Net Impairments Evolution 1 CZK m Highlights Positive macroeconomic environment persisted in 4Q 17 32bps total Cost of Risk 1,029 59bps excluding gain from legacy NPL sales Commercial Retail 196 833 381 129 CZK 315m gain from legacy NPLs portfolio sales (out of which CZK 124m realized in October 2017) CZK 4.2bn of legacy NPLs portfolio sales in 2017 CZK 2.1bn balance sheet gross receivables 252 CZK 2.1bn off balance sheet 2016 2017 Based on latest CNB financial stability report 2 Cost of Risk likely to bottom out during 2018 Annualized Cost of Risk (%) Retail 1.54% 0.43% Commercial 0.35% 0.22% Group 0.93% 0.32% Note: (1) 2016 restated, both periods includes cost of collection reclassified from operating expenses; (2) Source: http://www.cnb.cz/cs/financni_stabilita/zpravy_fs/fs_2016-2017/index.html 43

Overview of NPL development Reduction of NPL supported by stable portfolio performance and relative improvement in cure rate and legacy NPL sales Gross NPL Walk CZK m 1.8% of average performing receivables 1 1.6% of average performing receivables 1 1.5% of average performing receivables 1 1,991 (1,673) (724) 1,806 (1,631) (1,480) 1,826 (1,523) (1,211) 7,894 7,487 6,181 5,274 2 Jun 2016 NPL formation 2 2 Cured Write-offs + Debt sales Dec 2016 NPL formation Cured Write-offs + Debt sales Jun 2017 NPL formation Cured Write-offs + Debt sales Dec 2017 Notes: Figures in chart may not add up due to rounding differences ; (1) Calculated as two point average; (2) Restated as a result of reclassification of operating lease contracts in accordance with requirements of IAS 17 Leases during 2016; 44

Gross receivables, NPL and coverage evolution Proactive NPL management further improving balance sheet quality through CZK 2.1 billion of legacy NPL sales (CZK 4.2 billion including off balance sheet) Gross receivables breakdown CZK m NPL & coverage CZK m 11.7% 6.3% 4.1% 84.0% 120,215 118,035 127,742 14,024 3,382 (46.6)% 82.5% 77.0% 106,192 +4.1% 110,547 +10.8% 122,468 14,024 7,487 5,274 Performing 10,641 7,487 1,801 5,686 (29.6%) 5,274 1,635 3,639 2015 2016 2017 NPL PL NPL ratio 2015 2016 2017 NPL Retail NPL Commercial Total NPL coverage Highlights 4.1% NPL ratio; drop due to legacy NPL sales and write-offs 77.0% total NPL coverage driven by debt sales of aged and well covered receivables During 2018 MONETA will further seek to monetize on and off balance sheet legacy NPLs, subject to market demand and conditions Note: Total NPL coverage represents total allowances (incl. IBNR Incurred But Not Reported) over NPL; 45

Medium Term Guidance & Outlook 46

Material assumptions and estimates for medium term guidance A number of economic, market, operational and regulatory assumptions were made by the Company in preparing forward looking guidance 1 Positive macroeconomic outlook will persist in medium term: 3M PRIBOR assumed to gradually increase and reach 2.8% 2 in 4Q 19 Consumer loan market portfolio yield expected to bottom out at around 8% 2018 effective tax rate to be reduced by the impact of IFRS9 one-time charge Cost of risk assumptions: 15 20% higher allowance level under IFRS9 2018 supported by significant gain from legacy NPL monetization Contingency for potential large commercial default Cost of Risk likely to bottom out during 2018 Flat operating cost impacted by 10% - 15% productivity improvement over next 3 years, offset by increased Depreciation and Amortization charges of additional investments Source: Internal assumptions used for guidance; Note: (1) See also slide Forward looking statements ; (2) CNB forecast from 4Q 2017 (http://www.cnb.cz/cs/menova_politika/zpravy_o_inflaci/2017/2017_iv/download/zoi_iv_2017_t_1_makroindikatory.xlsx); 47

2017 results and medium term guidance Management commits to deliver solid dividend stream in next 4 years, policy may change if any opportunity for acquisition arises Loan Book Growth 1 Unaudited Results Guidance 3 2017 One-offs 2 Adjusted 2018 10.8% 10.8% 9% 2020 10% Total Operating Income CZK 10.3bn (CZK 0.3bn) CZK 10.0bn CZK 9.5bn CZK 10.5bn Cost Base CZK 4.9bn CZK 4.9bn ~CZK 4.9bn ~ CZK 5.1bn Cost of Risk 4 32bps 27bps 59bps 45 55bps 70 80bps Net Consolidated Profit CZK 3.9bn (CZK 0.4bn) CZK 3.5bn CZK 3.4bn CZK 3.8bn Reported Return on Tangible Equity 16.0% 14.5% 14% 15% Effective Tax Rate 20% 20% ~ 17% ~20% Management plans to propose 5 2017 2020 aggregate dividend payout of CZK 11.5 billion Note: (1) Gross performing loan growth; (2) CZK 343m gain from government bond sale in Total operating income, CZK 315m monetization of legacy NPL (27bps) in Cost of Risk, and Goodwill impairment CZK 104m, all amounts pre-tax; (3) Management takes the opportunity to adjust the guidance in case of any material change of circumstances on which this guidance was based or any accretive investment opportunity for MONETA; (4) 2017 based on IAS39, 2018 and 2020 based on IFRS9; (5) To be proposed to shareholders at General meetings to be held in 2018-2021, not as a single payment, but yearly subject to actual financial results in the years 2017-2020; subject to corporate, regulatory and regulator s limitations and approval of the Annual General Meetings; 48

Investors Calendar 49

Reporting dates and investor meetings Annual Report 1Q 2018 Earnings 20 March 2018 10 May 2018 J.P. Morgan CEEMEA conference London MONETA Roadshow Europe, USA Annual General Meeting Prague 28 February - 1 March 2018 2-16 March 2018 25 April 2018 50

Our IR team Linda Kavanová Manda Drvotová Jarmila Valentová MONETA Money Bank, a.s. BB Centrum, Vyskočilova 1422/1a 140 28 Praha 4 Michle Tel: +420 224 442 549 investors@moneta.cz www.moneta.cz Identification number: 25672720 Bloomberg: MONET CP ISIN: CZ0008040318 Reuters: MONET.PR SEDOL: BD3CQ16 51

Appendix 52

Key financial information in CZK Key Balance Sheet Metrics Key P&L Metrics CZKm 2014 Audited 2015 Audited 2016 2017 Audited Unaudited CZKm 2014 2015 2016 2017 Restated 3 Restated 4 Unaudited Assets Cash and Cash Equivalents 11,746 15,475 20,235 7,127 Financial assets at fair value 12 7 26 48 Financial assets available for sale 20,401 13,255 13,749 57 Financial assets - held to maturity 0 0 0 11,723 Loans and receivables to banks 533 139 189 53,380 Loans and receivables to customers 107,197 108,437 111,860 123,680 Gross loans and receivables to customers 120,097 120,215 118,035 127,742 Loan allowances for loans and receivables to customers (12,900) (11,778) (6,175) (4,062) Intangibles and Goodwill 750 533 848 1301 Other Assets 2,764 2,191 2,472 2,418 Total Assets 143,403 140,037 149,379 199,734 Liabilities & Equity Due to banks 247 289 2,657 29,643 Customer Deposits 97,006 108,698 116,252 141,469 Provisions 390 543 416 364 Other Liabilities 3,177 2,668 2,786 2,495 Total Liabilities 100,820 112,198 122,111 173,971 Total Equity 42,583 27,839 1 2 27,268 25,763 Tangible Equity 41,833 27,306 1 2 26,420 24,462 Total Liabilities & Equity 143,403 140,037 149,379 199,734 Risk Weighted Assets 124,607 126,565 109,301 118,547 P&L Interest Income 9,670 9,522 8,494 7,582 Interest Expense (285) (212) (189) (218) Net Interest Income 9,385 9,310 8,305 7,364 Fee and Commission Income 3,004 2,631 2,267 2,223 Fee and Commission Expense (330) (295) (306) (290) Net Fee and Commission Income 2,674 2,336 1,961 1,933 Dividend Income 9 9 26 0 Net Income from financial operations 389 324 598 709 Other operating income 174 123 168 329 Other Income 572 456 792 1,038 Net Non-Interest Income 3,246 2,792 2,753 2,971 Total Operating Income 12,631 12,102 11,058 10,335 Personnel expenses (1,991) (2,243) (2,263) (2,456) Administrative expenses (1,933) (1,969) (1,984) (1,893) Depreciation and amortisation (479) (520) (310) (414) Other operating expenses (1,045) (801) (425) (184) Total Operating Expenses (5,448) (5,533) (4,982) (4,947) Pre-Loss allowances Profit 7,183 6,569 6,076 5,388 Net impairment of loans and receivables (1,742) (849) (1,029) (381) Goodwill impairment 0 0 0 (104) Profit for the year before tax 5,441 5,720 5,047 4,903 Taxes on Income (1,261) (1,214) (993) (980) Profit for the year after tax 4,180 4,506 4,054 3,923 Note: (1) Extraordinary dividend of CZK19.7bn paid to GE in Sep-15; (2) Dividend of CZK4.5bn paid to GE pre-ipo; (3) Due to the market practice the regulatory charges for Deposit insurance fund and Resolution and recovery fund were reclassified from the line Other operating expenses to the line Administrative expenses ; (4) Reclassification of collections costs from Administrative expenses and Other operating expenses into Net impairment of loans and receivables ; 53

Key financial information in USD USDm Assets Key Balance Sheet Metrics 2014 Audited 2015 Audited 2016 Audited 1 2 1 2 2017 Unaudited Cash and Cash Equivalents 552 727 950 335 Financial assets at fair value 1 0 1 2 Financial assets available for sale 958 623 646 3 Financial assets - held to maturity 0 0 0 551 Loans and receivables to banks 25 7 9 2,507 Loans and receivables to customers 5,035 5,093 5,254 5,809 Gross loans and receivables to customers 5,641 5,646 5,544 6,000 Loan allowances for loans and receivables to customers (606) (553) (290) (191) Intangibles and Goodwill 35 25 40 61 Other Assets 130 103 116 114 Total Assets 6,735 6,577 7,016 9,381 Liabilities & Equity Due to banks 12 14 125 1,392 Customer Deposits 4,556 5,105 5,460 6,645 Provisions 18 26 20 17 Other Liabilities 149 125 131 117 Total Liabilities 4,735 5,270 5,735 8,171 Total Equity 2,000 1,308 1,281 1,210 Tangible Equity 1,965 1,283 1,241 1,149 Total Liabilities & Equity 6,735 6,577 7,016 9,381 Risk Weighted Assets 5,853 5,945 5,134 5,568 Key P&L Metrics USDm 2014 2015 2016 2017 Restated 3 Restated 4 Unaudited P&L Interest Income 454 447 399 356 Interest Expense (13) (10) (9) (10) Net Interest Income 441 437 390 346 Fee and Commission Income 141 124 106 104 Fee and Commission Expense (15) (14) (14) (14) Net Fee and Commission Income 126 110 92 91 Dividend Income 0 0 1 0 Net Income from financial operations 18 15 28 33 Other operating income 8 6 8 15 Other Income 27 21 37 49 Net Non-Interest Income 152 131 129 140 Total Operating Income 593 568 519 485 Personnel expenses (94) (105) (106) (115) Administrative expenses (91) (92) (93) (89) Depreciation and amortisation (22) (24) (15) (19) Other operating expenses (49) (38) (20) (9) Total Operating Expenses (256) (260) (234) (232) Pre-Loss allowances Profit 337 309 285 253 Net impairment of loans and receivables (82) (40) (48) (18) Goodwill impairment 0 0 0 (5) Profit for the year before tax 256 269 237 230 Taxes on Income (59) (57) (47) (46) Profit for the year after tax 196 212 190 184 Note: Exchange rate of CNB CZK/USD 21.29 as of Dec 31, 2017 ; (1) Extraordinary dividend of USD 925m paid to GE in Sep-15; (2) Dividend of USD 211m paid to GE pre-ipo; (3) Due to the market practice the regulatory charges for Deposit insurance fund and Resolution and recovery fund were reclassified from the line Other operating expenses to the line Administrative expenses ; (4) Reclassification of collections costs from Administrative expenses and Other operating expenses into Net impairment of loans and receivables ; 54

Key financial information in EUR EURm Assets Key Balance Sheet Metrics 2014 Audited 2015 Audited 2016 Audited 2017 Unaudited Cash and Cash Equivalents 460 606 792 279 Financial assets at fair value 0 0 1 2 Financial assets available for sale 799 519 538 2 Financial assets - held to maturity 0 0 0 459 Loans and receivables to banks 21 5 7 2,090 Loans and receivables to customers 4,197 4,246 4,380 4,843 Gross loans and receivables to customers 4,702 4,707 4,622 5,002 Loan allowances for loans and receivables to customers (505) (461) (242) (159) Intangibles and Goodwill 29 21 33 51 Other Assets 108 86 97 95 Total Assets 5,615 5,483 5,849 7,820 Liabilities & Equity Due to banks 10 11 104 1,161 Customer Deposits 3,798 4,256 4,552 5,539 Provisions 15 21 16 14 Other Liabilities 124 104 109 98 Total Liabilities 3,948 4,393 4,781 6,812 1 Total Equity 1,667 1,090 1,0682 1,009 Tangible Equity 1,638 1,069 1 1,0342 958 Total Liabilities & Equity 5,615 5,483 5,849 7,820 Risk Weighted Assets 4,879 4,956 4,280 4,642 Key P&L Metrics EURm 2014 2015 2016 2017 Restated 3 Restated 4 Unaudited P&L Interest Income 379 373 333 297 Interest Expense (11) (8) (7) (9) Net Interest Income 367 365 325 288 Fee and Commission Income 118 103 89 87 Fee and Commission Expense (13) (12) (12) (11) Net Fee and Commission Income 105 91 77 76 Dividend Income 0 0 1 0 Net Income from financial operations 15 13 23 28 Other operating income 7 5 7 13 Other Income 22 18 31 41 Net Non-Interest Income 127 109 108 116 Total Operating Income 495 474 433 405 Personnel expenses (78) (88) (89) (96) Administrative expenses (76) (77) (78) (74) Depreciation and amortisation (19) (20) (12) (16) Other operating expenses (41) (31) (17) (7) Total Operating Expenses (213) (217) (195) (194) Pre-Loss allowances Profit 281 257 238 211 Net impairment of loans and receivables (68) (33) (40) (15) Goodwill impairment 0 0 0 (4) Profit for the year before tax 213 224 198 192 Taxes on Income (49) (48) (39) (38) Profit for the year after tax 164 176 159 154 Note: Exchange rate of CNB CZK/EUR 25.54 as of Dec 31, 2017 ; (1) Extraordinary dividend of EUR 771m paid to GE in Sep-15; (2) Dividend of EUR 176m paid to GE pre-ipo; (3) Due to the market practice the regulatory charges for Deposit insurance fund and Resolution and recovery fund were reclassified from the line Other operating expenses to the line Administrative expenses ; (4) Reclassification of collections costs from Administrative expenses and Other operating expenses into Net impairment of loans and receivables ; 55

Consolidated statement of financial position CZK m 31/12/2017 31/12/2016 unaudited audited % Change Cash and balances with the central bank 7,127 20,235 (64.8%) Financial assets at fair value through profit or loss 48 26 84.6% Financial assets available for sale 57 13,749 (99.6%) Financial assets - held to maturity 11,723 0 n/a Hedging derivatives with positive fair values 4 0 n/a Change in fair value of items hedged on portfolio basis (6) 0 n/a Loans and receivables to banks 53,380 189 28143.4% Loans and receivables to customers 123,680 111,860 10.6% Intangible assets 1,301 744 74.9% Property and equipment 871 649 34.2% Goodwill 0 104 (100.0%) Investments in associates 2 2 0.0% Current tax assets 308 267 15.4% Deferred tax assets 386 805 (52.0%) Other assets 853 749 13.9% Total Assets 199,734 149,379 33.7% Due to banks 29,643 2,657 1015.7% Due to customers 141,469 116,252 21.7% Financial liabilities at fair value through profit or loss 68 7 871.4% Hedging derivatives with negative fair values 4 0 n/a Provision 364 416 (12.5%) Current tax liabilities 2 29 (93.1%) Deferred tax liabilities 267 280 (4.6%) Other liabilities 2,154 2,470 (12.8%) Total Liabilities 173,971 122,111 42.5% Share capital 511 511 0.0% Share premium 5,028 5,028 0.0% Statutory reserve 102 102 0.0% Available for sale reserve (57) 363 (115.7%) Share based payment reserve (2) (2) 0.0% Retained earnings 20,181 21,266 (5.1%) Total Equity 25,763 27,268 (5.5%) Total Liabilities & Equity 199,734 149,379 33.7% 56

Consolidated statement of financial position Quarterly development CZK m 1Q 2016 1 2Q 2016 1 3Q 2016 1 4Q 2016 1 1Q 2017 2 2Q 2017 3Q 2017 4Q 2017 Cash and balances with the central bank 19,599 20,221 20,311 20,235 29,083 33,099 7,373 7,127 Financial assets at fair value through profit or loss 2 7 5 26 28 35 42 48 Financial assets available for sale 13,195 11,508 12,868 13,749 10,241 5,340 55 57 Financial assets - held to maturity 0 0 0 0 0 0 8,996 11,723 Hedging derivatives with positive fair values 0 0 0 0 0 0 0 4 Change in fair value of items hedged on portfolio basis 0 0 0 0 0 0 0 (6) Loans and receivables to banks 429 926 344 189 207 536 38,919 53,380 Loans and receivables to customers 107,566 108,378 109,337 111,860 113,044 117,491 119,900 123,680 Intangible assets 458 497 586 744 835 948 1,108 1,301 Property and equipment 600 572 592 649 659 657 677 871 Goodwill 104 104 104 104 104 104 104 0 Investments in associates 2 2 2 2 2 2 2 2 Current tax assets 220 475 307 267 429 474 262 308 Deferred tax assets 874 592 622 805 648 612 449 386 Other assets 541 679 668 749 1,056 920 980 853 Total Assets 143,590 143,961 145,746 149,379 156,336 160,218 178,867 199,734 Due to banks 166 601 865 2,657 5,235 7,250 20,303 29,643 Due to customers 111,040 114,416 114,945 116,252 119,791 126,232 130,358 141,469 Financial liabilities at fair value through profit or loss 15 12 2 7 21 39 41 68 Hedging derivatives with negative fair values 0 0 0 0 0 0 0 4 Provisions 501 486 475 416 282 265 267 364 Current tax liabilities 5 0 5 29 27 30 4 2 Deferred tax liabilities 223 246 265 280 252 250 244 267 Other liabilities 2,766 2,737 2,755 2,470 2,646 2,160 2,693 2,154 Total Liabilities 114,716 118,498 119,312 122,111 128,254 136,226 153,910 173,971 Share capital 511 511 511 511 511 511 511 511 Share premium 5,028 5,028 5,028 5,028 5,028 5,028 5,028 5,028 Legal and statutory reserve 167 102 102 102 102 102 102 102 Available for sale reserve 438 334 396 363 137 (100) (59) (57) Share based payment reserve (2) (2) (2) (2) (2) (2) (2) (2) Retained earnings 22,732 19,490 20,399 21,266 22,306 18,453 19,377 20,181 Total equity 28,874 25,463 26,434 27,268 28,082 23,992 24,957 25,763 Total Liabilities & Equity 143,590 143,961 145,746 149,379 156,336 160,218 178,867 199,734 Notes: (1) In line with 2016 Annual Report the operating lease contracts are disclosed separately from finance lease in accordance with requirements of IAS 17 Leases, assets leased on operating lease by MONETA Leasing are disclosed in "Property and equipment" rather than in "Loans and receivables to customers" ; (2) Balances representing technical temporary cash movements classified as Due to Customers in Q1 2017 have been reclassified to Other Liabilities in line with prior periods.; 57

Consolidated statement of profit or loss and other comprehensive income CZK m 31/12/2017 unaudited 31/12/2016 Restated 1 Interest and similar income 7,582 8,494 (10.74%) Interest expense and similar charges (218) (189) 15.34% Net interest income 7,364 8,305 (11.33%) Fee and commission income 2,223 2,267 (1.94%) Fee and commission expense (290) (306) (5.23%) Net fee and commission income 1,933 1,961 (1.43%) Dividend income 0 26 (100.00%) Net income from financial operations 709 598 18.56% Other operating income 329 168 95.83% Total operating income 10,335 11,058 (6.54%) Personnel expenses (2,456) (2,263) 8.53% Administrative expenses (1,893) (1,984) (4.59%) Depreciation and amortisation (414) (310) 33.55% Other operating expenses (184) (425) (56.71%) Total operating expenses (4,947) (4,982) (0.70%) Profit for the period before tax and net impairment of loans, receivables and financial assets available for sale 5,388 6,076 (11.32%) Net impairment of loans and receivables (381) (1,029) (62.97%) Goodwill Impairment (104) 0 n/a Profit for the period before tax 4,903 5,047 (2.85%) Taxes on income (980) (993) (1.31%) Profit for the period after tax 3,923 4,054 (3.23%) % Change Change in fair value of AFS investments recognised in OCI (176) 132 (233.33%) Change in fair value of AFS investments recognised in P&L (343) (279) 22.94% Deferred tax 99 28 253.57% Other comprehensive income, net of tax (420) (119) 252.94% Total comprehensive income attributable to the equity holders 3,503 3,935 (10.98%) Notes: (1) In line with the 2016 Annual report the Group carried out several reclassifications: a) premium paid to insurance companies from "Other operating expenses" to "Fee and commission income" b) collection costs from "Administrative expenses" and "Other operating expenses" to "Net impairment of loans and receivables" c) The operating lease contracts were disclosed separately from finance lease in accordance with requirements of IAS 17 Leases, reclassification from "Interest and similar income" to "Other operating income" and "Depreciation and amortisation ; 58

Consolidated statement of profit or loss and other comprehensive income 1 Quarterly development CZK m 1Q 2016 1,2 2Q 2016 1,2 3Q 2016 2 4Q 2016 2 1Q 2017 2Q 2017 3Q 2017 4Q 2017 Interest and similar income 2,223 2,153 2,095 2,023 1,939 1,874 1,858 1,911 Interest expense and similar charges (48) (47) (48) (46) (47) (50) (54) (67) Net interest income 2,175 2,106 2,047 1,977 1,892 1,824 1,804 1,844 Fee and commission income 561 576 547 583 534 539 561 589 Fee and commission expense (71) (78) (74) (83) (76) (79) (87) (48) Net fee and commission income 490 498 473 500 458 460 474 541 Dividend income 0 12 0 14 0 0 0 0 Net income from financial operations 73 238 93 194 103 413 103 90 Other operating income 43 38 46 41 79 74 71 105 Total operating income 2,781 2,892 2,659 2,726 2,532 2,771 2,452 2,580 Personnel expenses (517) (534) (604) (608) (562) (612) (610) (672) Administrative expenses 1 (433) (503) (495) (553) (525) (395) (395) (578) Depreciation and amortisation (89) (68) (71) (82) (84) (86) (112) (132) Other operating expenses 1 (130) (64) (92) (139) 19 (53) (40) (110) Total operating expenses (1,169) (1,169) (1,262) (1,382) (1,152) (1,146) (1,157) (1,492) Profit for the period before tax and net impairment of loans, receivables and financial assets available for sale 1,612 1,723 1,397 1,344 1,380 1,625 1,295 1,088 Net impairment of loans and receivables (258) (218) (222) (331) (80) (181) (140) 20 Goodwill impairment 0 0 0 0 0 0 0 (104) Profit for the period before tax 1,354 1,505 1,175 1,013 1,300 1,444 1,155 1,004 Taxes on income (275) (306) (266) (146) (260) (289) (231) (200) Profit for the period after tax 1,079 1,199 909 867 1,040 1,155 924 804 Change in fair value of AFS investments recognised in OCI (54) 30 74 82 (256) 26 52 2 Change in fair value of AFS investments recognised in P&L 0 (158) 0 (121) (23) (320) 0 0 Deferred tax 10 24 (12) 6 53 57 (11) 0 Other comprehensive income, net of tax (44) (104) 62 (33) (226) (237) 41 2 Total comprehensive income attributable to the equity holders 1,035 1,095 971 834 814 918 965 806 Notes: (1) Due to the market practice the regulatory charges for Deposit insurance fund and Resolution and recovery fund were reclassified from "Other operating expenses" to "Administrative expenses; (2) In line with 2016 Annual Report following (mainly presentation) changes have been applied: (a) Premium paid to insurance companies by MONETA Leasing have been transferred from Other operating expenses to "Fee and commission income (b) The operating lease contracts are disclosed separately from finance lease in accordance with requirements of IAS 17 Leases, depreciation from assets leased under operating lease by MONETA Leasing are disclosed in the line "Depreciation and Amortization" and received lease payments are recorded disclosed in the line "Other operating income." (c) External collection costs are taken into account by determining impairment loss of loans and receivables and these costs disclosed in the line "Net impairment of loans and receivables" when they are incurred (previously shown in the line "Other operating expenses"). Estimate of these costs reduces present value of recovery cash flows expected from receivable; 59

Key performance ratios 2013 2014 2015 2016 Restated 3 2017 Profitability Yield (% Avg Net Loans) 10.3% 9.3% 8.7% 7.6% 6.3% Cost of Funds (% Avg Deposits) 0.6% 0.3% 0.2% 0.2% 0.2% NIM (% Avg Int Earning Assets) 7.5% 6.9% 6.7% 5.9% 4.3% Net Non-Interest Income / Operating Income (%) 27.6% 25.7% 23.1% 24.9% 28.7% Net Fee & Commission Income as % of Total Operating Income 23.3% 21.2% 19.3% 17.7% 18.7% Cost to Income Ratio 41.1% 43.1% 45.7% 45.1% 47.9% Cost of Risk (% Avg Net Loans) 2.6% 1.7% 0.8% 0.9% 0.3% Risk-adj. Yield 7.8% 7.6% 8.0% 6.7% 6.0% Adj. RoTE @ 15.5% CET1 Ratio 18.2% 17.4% 18.3% 19.3% 17.7% RoAA 3.2% 3.0% 3.2% 2.8% 2.2% Liquidity / Leverage Net Loan to Deposit Ratio 104.1% 110.5% 99.8% 96.2% 87.4% Equity / Total Assets 28.3% 29.7% 19.9% 18.3% 12.9% Liquid Assets / Total Assets 24.8% 22.8% 20.6% 22.9% 36.2% LCR 1 236.0% 187.0% 140.0% 161.0% 182.9% Capital Adequacy RWA / Total Assets 90.2% 86.9% 90.4% 73.2% 59.4% CET1 ratio 2 (%) 27.1% 30.0% 17.7% 20.5% 17.4% Tier 1 ratio 2 (%) 27.1% 30.0% 17.7% 20.5% 17.4% Total capital ratio 2 (%) 27.1% 30.0% 17.7% 20.5% 17.4% Asset Quality Non Performing Loan Ratio (%) 14.8% 12.9% 11.7% 6.3% 4.1% Core NPL Coverage (%) 74.8% 75.4% 77.4% 70.9% 64.1% Total NPL Coverage (%) 83.8% 83.0% 84.0% 82.5% 77.0% Notes: Quarterly data annualized; (1) LCR as at 2013 and 2014 is not directly comparable with LCR as at 2015, 2016 and 2017 due to changes in LCR calculation methodology effective from October 2015; LCR as at 2013 and 2014 is pre-extraordinary dividend of CZK 19.7 bn pay-out in Sep-2015; (2) Subject to legal and regulatory limitations and regulator s additional capital requirements, if any, and approval of the general meetings; does not include profit after tax in the respective period; (3) Reclassification of collection costs from Administrative & Other operating expenses in Cost of Risk; 60

Key performance ratios Quarterly development Profitability Notes: All ratios annualized; (1) Restated; 1Q 2016 2Q 2016 3Q 2016 4Q 2016 1Q 2017 2Q 2017 3Q 2017 4Q 2017 Yield (% Avg. Net Customer Loans) 8.1% 7.9% 7.6% 7.2% 6.8% 6.4% 6.2% 6.0% Cost of Funds (% Avg Deposits) 0.17% 0.17% 0.17% 0.16% 0.15% 0.15% 0.15% 0.17% NIM (% Avg Int Earning Assets) 6.3% 6.0% 5.8% 5.5% 5.1% 4.7% 4.3% 4.0% Cost of Risk (% Avg Net Customer Loans) 1 0.96% 0.81% 0.82% 1.20% 0.28% 0.63% 0.47% (0.07%) Risk-adj. yield (% Avg Net Customer Loans) 1 7.2% 7.1% 6.8% 6.0% 6.5% 5.8% 5.7% 6.0% Net Fee & Commission Income / Operating Income (%) 1 17.6% 17.2% 17.8% 18.3% 18.1% 16.6% 19.3% 21.0% Net Non-Interest Income / Operating Income (%) 1 21.8% 27.2% 23.0% 27.5% 25.3% 34.2% 26.4% 28.5% Reported RoTE 15.2% 19.3% 14.1% 13.1% 15.3% 20.1% 15.6% 13.1% Adj. RoTE @ 15.5% CET1 Ratio 17.0% 21.7% 16.3% 16.5% 18.7% 23.4% 17.8% 14.5% Return on average assets 3.0% 3.3% 2.5% 2.4% 2.7% 2.9% 2.2% 1.7% Liquidity / Leverage Net Loan to Deposit ratio 1 96.9% 94.7% 95.1% 96.2% 94.4% 93.1% 92.0% 87.4% Total Equity / Total Assets 20.1% 17.7% 18.1% 18.3% 18.0% 15.0% 14.0% 12.9% Liquid Assets / Total Assets 23.1% 22.7% 23.0% 22.9% 25.3% 24.3% 31.0% 36.2% Equity Total Equity 28,874 25,463 26,434 27,268 28,082 23,992 24,957 25,763 Tangible Equity 28,312 24,862 25,744 26,420 27,143 22,940 23,745 24,462 Capital Adequacy RWA / Total Assets 86.7% 87.2% 83.0% 73.2% 71.0% 70.8% 64.1% 59.4% CET1 ratio (%) 17.9% 17.7% 18.3% 20.5% 19.9% 18.4% 18.1% 17.4% Tier 1 ratio (%) 17.9% 17.7% 18.3% 20.5% 19.9% 18.4% 18.1% 17.4% Total capital ratio (%) 17.9% 17.7% 18.3% 20.5% 19.9% 18.4% 18.1% 17.4% Asset Quality Non Performing Loan Ratio (%) 8.4% 6.9% 6.5% 6.3% 5.6% 5.0% 4.4% 4.1% NPL Ratio Retail (%) 11.9% 10.4% 9.7% 9.6% 8.6% 7.8% 6.3% 5.6% NPL Ratio Commercial (%) 4.7% 3.2% 3.1% 3.1% 2.4% 2.2% 2.5% 2.6% Core NPL Coverage (%) 72.6% 70.0% 70.9% 70.9% 69.7% 69.3% 68.1% 64.1% Core NPL Coverage Retail (%) 74.8% 71.8% 71.6% 72.0% 71.7% 71.0% 71.6% 67.4% Core NPL Coverage Commercial (%) 66.4% 63.9% 68.6% 67.5% 62.2% 63.1% 58.9% 56.7% Total NPL Coverage (%) 81.6% 80.4% 81.6% 82.5% 81.7% 81.6% 81.1% 77.0% Efficiency Cost to Income Ratio 1 42.0% 40.4% 47.5% 50.7% 45.5% 41.4% 47.2% 57.8% FTE's 3,050 3,080 3,113 3,213 3,254 3,320 3,329 3,312 Branches 229 229 230 230 232 232 232 227 ATM's 627 617 624 632 639 648 657 668 61

Shareholder s equity Equity and CET1 Breakdown CZK m Highlights 27,268 25,763 (5,008) (420) 3,923 (1,187) (3,923) 20,653 5.5% decline in shareholders equity as a result of: 21,266 20,181 CZK 5bn dividend distribution in Jun 17 Negative AFS reserve revaluation as a result of bond sale (CZK 343m gain from government bond sale is part of 2017 net profit) 363 5,128 5,128 511 511 Equity Dec 2016 Dividend Payment AFS Reserve change 2017 Profit after Tax (57) Equity Dec 2017 Intangibles and Goodwill Dec 2017 Profit after Tax CET1 Dec 2017 Share capital Capital and reserve funds AFS Reserve Retained earnings Note: Intangibles of CZK 1,301m and Deffered tax CZK (112)m; 62