Moneta Money Bank AS (LTS:0RGC)

Full Year 2025 Moneta Money Bank as Earnings Call Transcript

Feb 3, 2026 / 09:00 AM GMT

Release Date Price: Kč82.45

Transcript

Key Points

Positve

Moneta Money Bank AS (XPRA:MONET) reported an 8% increase in operating income, driven by strong growth in net interest income and net fee and commission income.
The bank achieved a net profit of 6.5 billion, outperforming initial guidance by half a billion crowns, marking a 12% increase.
The cost-to-income ratio improved by 2.4 percentage points, dropping below 42%, indicating effective cost management.
Total shareholder return exceeded 70% in 2025, compared to 48% in 2024, showcasing strong performance.
The bank's digital platform saw an 8.3% increase in users, nearing 100% penetration of the client base.

Negative

Operating expenses grew by 2%, with higher costs in personal and IT areas, indicating ongoing cost pressures.
The bank's loan portfolio yield decreased by 5 basis points year over year, reflecting competitive pressures.
Retail deposit growth was relatively modest at 2.2%, suggesting challenges in attracting retail deposits.
The bank's net interest margin was pressured by intense competition in the deposit market.
The insurance product distribution saw a 2.2% decline in commission income, impacted by a lower number of sold insurance products.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

MONET.PR - Moneta Money Bank as
Full Year 2025 Moneta Money Bank as Earnings Call
Feb 03, 2026 / 09:00AM GMT

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Presentation
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Unidentified_1 [1]
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Recording in progress.

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Unidentified_2 [2]
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Dear ladies and gentlemen gentlemen, welcome to the conference call of Monetta Moneybank regarding full year 2025 financial results.

Please note that this conference call will be recorded.

This event will have a listen, have a live presentation followed by a Q&A session. As a reminder, all participants will be in a listen-only mode.

Today's speakers are Mr. Carl Norman Fecht, Mr. Jan Fricek, Mr. Jan Novitny, and Mr. Andrew Gerber. May I now hand over to Mr. F Fecht, who

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