According to its 3Q25 presentation, Moneta achieved a 17.9% yoy increase in net profit to CZK1.8bn. This figure is +8.1% higher than the market consensus. RoTE reached 25.6%. These results surpassed market expectations primarily due to increased net interest income, higher NF&C, stable operating costs, and a lower-than-expected CoR. The increase in net interest income is due to a significant decline in financing costs. Moneta has once again delivered strong results and is on track to meet its increased full-year targets.