MONETA Money Bank, a.s. Income Statement

Financials in millions CZK. Fiscal year is January - December.

Millions CZK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	9,888	9,707	8,919	8,577	9,311	8,609
Net Interest Income Growth	7.70%	8.83%	3.99%	-7.88%	8.15%	3.95%
Non-Interest Income	4,196	4,217	3,992	3,570	2,805	2,559
Non-Interest Income Growth	5.14%	5.64%	11.82%	27.27%	9.61%	-32.94%
Revenues Before Loan Losses	14,085	13,924	12,911	12,147	12,116	11,168
Provision for Credit Losses	453	444	386	305	90	695
Revenue	13,632	13,480	12,525	11,842	12,026	10,473
Revenue Growth (YoY)	6.75%	7.63%	5.77%	-1.53%	14.83%	22.69%
Compensation Expenses	2,820	2,768	2,664	2,504	2,528	2,562
Selling, General & Admin	2,764	2,806	2,777	2,866	2,772	2,714
Other Non-Interest Expenses	270	265	281	360	294	262
Total Non-Interest Expense	5,854	5,839	5,722	5,730	5,594	5,538
Pretax Income	7,778	7,641	6,803	6,112	6,432	4,935
Provision for Income Taxes	1,160	1,140	995	912	1,245	951
Net Income	6,618	6,501	5,808	5,200	5,187	3,984
Net Income to Common	6,618	6,501	5,808	5,200	5,187	3,984
Net Income Growth	10.52%	11.93%	11.69%	0.25%	30.20%	53.17%
Shares Outstanding (Basic)	511	511	511	511	511	511
Shares Outstanding (Diluted)	511	511	511	511	511	511
EPS (Basic)	12.92	12.72	11.37	10.18	10.15	7.80
EPS (Diluted)	12.92	12.72	11.37	10.18	10.15	7.80
EPS Growth	9.77%	11.87%	11.69%	0.30%	30.13%	53.24%
Free Cash Flow	14,743	3,330	24,495	74,945	35,945	12,619
Free Cash Flow Growth	342.73%	-86.41%	-67.32%	108.50%	184.85%	617.80%
Free Cash Flow Per Share	28.85	6.52	47.94	146.66	70.34	24.69
Dividends Per Share	11.500	11.500	10.000	9.000	8.000	7.000
Dividend Growth	-	15.00%	11.11%	12.50%	14.29%	133.33%
Profit Margin	48.55%	48.23%	46.37%	43.91%	43.13%	38.04%
FCF Margin	108.15%	24.70%	195.57%	632.88%	298.89%	120.49%
Effective Tax Rate	14.91%	14.92%	14.63%	14.92%	19.36%	19.27%