2Q26 1H26 Group Results Divisional Database

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2Q26 1H26 Group Results Divisional Database | Phynwire

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Divisional Database

Consolidated Accounts

Consolidated Income Statements3 Consolidated Balance Sheet4 Group Shareholder's Equity & Tangible Equity5

Group Shares6

Asset Quality Group7 Asset Quality by Division8

Capital Position9

Contribution of Divisions to Group Results

Italy10

Germany11

Austria12

CEE13

CEE Countries14 - 21

Russia22

GCC23

Group Fees24

Branches25

Notes26

NOTE: Numbers throughout the Divisional DataBase may not add up precisely to the totals provided in tables and text due to rounding 2ndQuarter - 1H 2026 Results 2

2025 2026

1H26 1H25 Change (%) 1Q 2Q 3Q 4Q 1Q 2Q Consolidated Income Statement, m Net interest 7,245 7,304 -0.8% 3,661 3,643 3,541 3,627 3,587 3,658 Dividends 1,117 446 n.m. 129 317 248 287 408 709 Fees 4,782 4,477 +6.8% 2,327 2,149 2,071 2,073 2,431 2,350 Net insurance result 184 0 n.m. 0 0 88 101 78 106 Trading income 229 514 -55.4% 497 18 284 -285 476 -246 Other expenses/income -163 -40 n.m. -28 -12 -59 -94 -107 -56 Revenue 13,394 12,701 +5.5% 6,586 6,115 6,173 5,709 6,873 6,521 HR Cost -2,849 -2,865 -0.5% -1,436 -1,429 -1,432 -1,576 -1,431 -1,418 Non HR Cost -1,297 -1,301 -0.3% -647 -653 -624 -711 -639 -658 Recovery of expenses 37 43 -13.5% 21 22 20 30 16 21 Amortisation & depreciation -486 -513 -5.3% -259 -254 -255 -258 -243 -244 Operating costs -4,595 -4,636 -0.9% -2,321 -2,315 -2,291 -2,514 -2,297 -2,298 Gross Operating Profit 8,799 8,065 +9.1% 4,265 3,800 3,882 3,195 4,576 4,223 Loan Loss Provisions (LLPs) -377 -192 +96.2% -83 -109 -113 -356 -185 -192 Net Operating Profit 8,422 7,873 +7.0% 4,182 3,691 3,768 2,839 4,392 4,031 Other Charges & Provisions -296 -442 -33.1% -207 -235 -49 -371 -257 -39 o/w Systemic Charges -299 -227 +31.8% -187 -40 -62 -93 -237 -61 o/w DGS -38 -46 -18.4% -44 -2 -6 -23 -33 -4 o/w Bank levies -230 -156 +47.9% -117 -39 -49 -48 -182 -49 o/w SRF EU & RF non EU -11 -15 -27.0% -20 5 0 0 -13 2 Integration costs -85 -70 +20.4% -30 -40 -53 -1,053 -23 -61 Net income from investments 220 846 -74.0% -31 877 -27 417 200 20 Profit (loss) Before Tax 8,262 8,206 +0.7% 3,913 4,293 3,639 1,832 4,311 3,951 Income taxes -2,012 -2,058 -2.2% -1,124 -934 -959 426 -1,031 -981 Net profit (loss) of disc. operat. 0 0 n.m. 0 0 0 0 0 0 Net Profit (loss) for the period 6,250 6,149 +1.6% 2,790 3,359 2,680 2,257 3,280 2,970 Minorities -32 -34 -4.4% -19 -15 -16 -14 -16 -16 Net profit attributable to the Group before PPA 6,218 6,115 +1.7% 2,771 3,344 2,664 2,244 3,264 2,954 Purchase Price Allocation (PPA) -95 0 n.m. 0 0 -31 -76 -46 -48 Goodwill impairment 0 0 n.m. 0 0 0 0 0 0 Stated Net Profit* 6,123 6,115 +0.1% 2,771 3,344 2,633 2,167 3,218 2,905 DTAs from tax loss carry forward sustainability test** 0 0 n.m. 0 0 -2 -334 -1 1 Net Profit*** 6,123 6,115 +0.1% 2,771 3,344 2,631 1,833 3,217 2,906 Cashes Coupons -97 -109 -10.4% -56 -52 -49 -48 -49 -48 AT1 Coupons -161 -153 +5.0% 0 -153 0 -139 0 -161 Net Profit after AT1 / Cashes**** 5,865 5,853 +0.2% 2,715 3,139 2,583 1,646 3,168 2,697 Income Statement Ratios Cost income ratio, % 34.3% 36.5% -2.2 p.p. 35.2% 37.9% 37.1% 44.0% 33.4% 35.2% Cost of Risk , bps 17 9 8 8 10 10 33 17 17 Tax rate , % 24.3% 25.1% -0.7 p.p. 28.7% 21.8% 26.4% n.m. 23.9% 24.8%

Volumes, bn

Customers Loans (excl. Repos) 442.6 409.8 +8.0% 405.4 409.8 409.7 419.0 428.7 442.6 Customer Depos (excl. Repos) 503.8 465.3 +8.3% 466.2 465.3 476.5 491.7 491.8 503.8 o/w Sight Deposits 367.2 339.5 +8.2% 334.0 339.5 347.4 363.6 356.2 367.2 o/w non Sight Deposits 136.6 125.8 +8.6% 132.2 125.8 129.1 128.2 135.6 136.6 Retail1274.6 263.4 +4.3% 261.2 263.4 265.6 272.3 271.2 274.6 Corporate2207.1 184.2 +12.5% 184.9 184.2 191.3 200.3 198.5 207.1 Central Functions322.1 17.7 +24.8% 20.1 17.7 19.6 19.2 22.2 22.1 Total Financial Asset4885.7 828.7 +6.9% 821.1 828.7 849.1 871.3 850.2 885.7 o/w AuM5 + AuA 210.4 177.6 +18.5% 172.1 177.6 185.3 193.3 196.2 210.4 o/w AuC 204.4 208.0 -1.7% 208.7 208.0 214.5 215.7 195.6 204.4 o/w Insurance662.0 56.8 +9.1% 56.8 56.8 58.1 58.8 58.8 62.0 Total RWA 309 288 +7.3% 287 288 291 296 299 309 Other Figures, units / %

FTEs (100%) 66,180 68,710 -3.7% 69,294 68,710 67,766 67,118 66,967 66,180

RoTE723.7% 24.7% -1.0 p.p. 23.1% 26.3% 21.5% 13.6% 25.8% 21.7% (*) Stated Net Profit: means accounting Net Profit | (**) Reversal of the impact booked in the Income Tax line where applicable | (***) Net Profit means Stated Net Profit adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test | (****) Net Profit after AT1/Cashes: means Net Profit as defined above adjusted for impacts from AT1 and Cashes Coupons. The result is used for RoTE calculation (1) Retail: includes Individuals (mass market, affluent, Private and Wealth) and micro-business (2) Corporate: includes SME, Large and most of Financial Institutions (7) RoTE means (i) Net Profit after AT1/Cashes coupons [as defined above] over (ii) average Accounting tangible equity (equal to Shareholders' equity – Goodwill – Intangible – HFS intangible – AT1 ) - Cashes – accrued dividends and buybacks(6) Life products(3) Central Functions: includes relationships with counterparties classified Accounting wise as “Customers” held by Treasury or by Corporate Centres for liquidity management purpose (4) Refers to Group commercial Total Financial Assets. Non-commercial elements, i.e. Large Corporates and Central Functions are excluded. Numbers are managerial figures (5) Includes Funds and Segregated accounts

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2026

1H26 FY25 Change (%) 1Q 2Q 3Q 4Q 1Q 2Q

Balance Sheet, bn

Assets

Cash and cash balances 45.9 38.5 +19.3% 44.0 41.8 48.2 38.5 48.2 45.9 Financial assets held for trading 74.6 62.7 +18.9% 55.0 60.4 60.1 62.7 67.9 74.6 Loans to banks 52.1 48.9 +6.7% 54.9 58.8 61.7 48.9 52.5 52.1 Loans to customers 475.8 433.5 +9.8% 424.3 433.2 435.9 433.5 447.8 475.8 Other financial assets 246.4 247.0 -0.2% 183.8 231.2 242.0 247.0 248.7 246.4 Hedging instruments -2.5 -2.6 -3.7% -1.5 -1.7 -2.2 -2.6 -2.8 -2.5 Insurance assets 0.2 0.2 +5.5% 0.0 0.2 0.1 0.2 0.2 0.2 Property, plant and equipment 8.6 8.8 -2.4% 8.8 8.8 8.7 8.8 8.8 8.6 Goodwill 0.8 0.8 -0.4% 0.3 1.1 1.1 0.8 0.8 0.8 Other intangible assets 2.1 2.1 -1.0% 2.2 2.2 2.2 2.1 2.1 2.1 Tax assets 9.7 10.7 -9.4% 9.4 9.9 9.5 10.7 9.9 9.7 Non-current assets and disposal groups classified as held for sale 0.3 0.2 +10.6% 0.9 0.9 0.2 0.2 0.2 0.3 Other assets 18.1 19.4 -6.7% 14.0 13.6 13.2 19.4 17.9 18.1 Total assets 932.1 870.2 +7.1% 795.9 860.3 880.6 870.2 902.2 932.1 Liabilities and shareholders' equity Deposits from banks 52.4 52.2 +0.4% 77.8 85.9 94.5 52.2 57.9 52.4 Deposits from customers 564.6 535.4 +5.5% 492.9 494.3 507.5 535.4 547.4 564.6 Debt securities issued 109.5 98.2 +11.5% 93.6 96.0 99.1 98.2 102.1 109.5 Financial liabilities held for trading 46.7 38.4 +21.6% 32.4 34.4 31.8 38.4 41.0 46.7 Other financial liabilities 25.5 24.4 +4.5% 15.8 23.7 24.3 24.4 27.5 25.5 Hedging instruments -7.2 -8.3 -13.1% -8.8 -7.8 -8.0 -8.3 -10.2 -7.2 Tax liabilities 2.8 2.8 -1.2% 1.9 2.4 2.7 2.8 3.0 2.8 Liabilities included in disposal groups classified as held for sale 0.0 0.0 - 0.3 0.4 0.0 0.0 0.0 0.0 Other liabilities 26.4 20.7 +27.6% 24.3 26.4 22.0 20.7 24.0 26.4 Insurance liabilities 40.7 38.4 +6.1% 0.0 36.3 37.3 38.4 40.5 40.7 Minorities 0.4 0.4 -1.4% 0.4 0.4 0.4 0.4 0.4 0.4 Group Shareholders' Equity: 70.4 67.7 +4.0% 65.3 68.0 69.0 67.7 68.4 70.4

- Capital and reserves 64.3 56.8 +13.2% 62.6 61.9 60.2 56.8 65.2 64.3

- Stated Net profit (loss) 6.1 10.9 -43.9% 2.8 6.1 8.7 10.9 3.2 6.1 Total liabilities and shareholders' equity 932.1 870.2 +7.1% 795.9 860.3 880.6 870.2 902.2 932.12025

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Shareholders’ Equity attributable to the Group & Shares , m Shareholders' equity as at 31 December 2025 67,711 Dividends and other allocations -2,613 Share buyback -641 Change in reserve related coupon on AT1 instruments -161 Charges related to transaction denominated "Cashes" -97 Change in the valuation reserve relating to exchange differences 342 Other changes -241 Net profit (loss) for the period 6,123 Shareholders' equity as at 30 June 2026 70,423

2026

1H26 1H25 1Q 2Q 3Q 4Q 1Q 2Q

Tangible Equity , EoP & AVG , m Shareholders' Equity 70,423 68,023 65,322 68,023 68,994 67,711 68,424 70,423 Goodwill 840 1,091 294 1,091 1,090 843 841 840 Intangible 2,077 2,180 2,201 2,180 2,174 2,097 2,071 2,077 HFS intangible 0 2 0 2 0 0 0 0

AT1 4,963 4,962 5,942 4,962 4,961 4,952 5,927 4,963

Tangible Equity 62,543 59,788 56,884 59,788 60,769 59,819 59,585 62,543 Tangible Equity (for RoTE calculation purposes only), EOP 50,097 47,998 47,556 47,998 48,114 48,866 49,453 50,097 Tangible Equity (for RoTE calculation purposes only), AVG 49,468 47,380 46,983 47,777 48,056 48,490 49,160 49,775 (*) Tangible Equity including accrued Dividends and Buybacks minus Cashes2025Notes:

The change in the valuation reserve relating to exchange differences is mainly due to the impact of Russian Ruble.

The item "Other changes" includes the recognition of the effects arising from change in net equity of associates following the purchase of treasury shares as well as the effect arising from the sale of equity investments at fair value through other comprehensive income.

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Group Shares

2026

3M 1H 9M FY 3M 1H

Average & EoP YtD number of outstanding and diluted shares EoP number of Ordinary Shares 1,557,675,176 1,557,675,176 1,557,675,176 1,557,675,176 1,507,953,015 1,507,953,015 (-) Treasury shares (including buyback) 0 0 -27,505,165 -44,920,759 0 0 (-) Shares held under the CASHES usufruct contract -9,675,640 -9,675,640 -9,675,640 -9,675,640 -9,675,640 -9,675,640 EoP number of outstanding shares 1,547,999,536 1,547,999,536 1,520,494,371 1,503,078,777 1,498,277,375 1,498,277,375 (+) Potentially dilutive shares 11,115,112 12,039,407 13,096,894 13,431,968 14,274,515 10,494,357 EoP number of diluted shares 1,559,114,648 1,560,038,943 1,533,591,265 1,516,510,745 1,512,551,890 1,508,771,732 Average number of outstanding shares* 1,544,593,859 1,546,306,105 1,543,611,496 1,535,901,752 1,498,308,839 1,498,293,020 Average number of diluted shares* 1,555,708,971 1,558,345,512 1,556,274,709 1,549,038,143 1,512,233,916 1,508,568,3172025 The average number of outstanding shares is net of the average number of treasury shares, considering the shares buyback made during the 2026 and consequent cancellation of such shares within the same financial year, as well as the average number of the shares held under a contract of usufruct amounting to No.9,675,640 shares.

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LOANS TO CUSTOMERS

2025 2026

Asset Quality - Group , m 1H26 1H25 Change (%) 1Q 2Q 3Q 4Q 1Q 2Q Gross Bad Loans 3,803 3,323 14.4% 3,364 3,323 3,357 3,448 3,799 3,803 Writedowns 2,561 2,224 15.2% 2,336 2,224 2,203 2,169 2,486 2,561 Coverage Ratio 67.4% 66.9% +0.4 p.p. 69.5% 66.9% 65.6% 62.9% 65.4% 67.4% Net Bad Loans 1,241 1,099 12.9% 1,027 1,099 1,154 1,279 1,314 1,241 Gross Unlikely to pay 7,511 7,666 -2.0% 7,390 7,666 7,518 8,001 7,466 7,511 Writedowns 2,721 2,851 -4.6% 2,792 2,851 2,801 2,910 2,738 2,721 Coverage Ratio 36.2% 37.2% -1.0 p.p. 37.8% 37.2% 37.3% 36.4% 36.7% 36.2% Net Unlikely to pay 4,790 4,816 -0.5% 4,597 4,816 4,716 5,091 4,729 4,790 Gross Past-due loans 694 702 -1.1% 646 702 680 634 659 694 Writedowns 232 236 -2.0% 220 236 240 234 232 232 Coverage Ratio 33.4% 33.7% -0.3 p.p. 34.1% 33.7% 35.3% 36.9% 35.2% 33.4% Net Past-due loans 463 466 -0.7% 426 466 440 400 427 463 Gross Non Performing Exposures 12,008 11,692 2.7% 11,400 11,692 11,554 12,084 11,924 12,008 Writedowns 5,514 5,311 3.8% 5,349 5,311 5,244 5,313 5,455 5,514 Coverage Ratio 45.9% 45.4% +0.5 p.p. 46.9% 45.4% 45.4% 44.0% 45.8% 45.9% Net Non Performing Exposures 6,494 6,381 1.8% 6,051 6,381 6,310 6,770 6,469 6,494 Gross Performing loans 472,628 430,414 9.8% 422,128 430,414 433,106 430,141 444,690 472,628 Writedowns 3,272 3,642 -10.1% 3,832 3,642 3,553 3,371 3,373 3,272 Coverage Ratio 0.7% 0.8% -0.2 p.p. 0.9% 0.8% 0.8% 0.8% 0.8% 0.7% Net Performing Loans 469,355 426,772 10.0% 418,296 426,772 429,553 426,770 441,317 469,355

2025 2026

Asset Quality - Ratios (%) 1H26 1H25 Change (%) 1Q 2Q 3Q 4Q 1Q 2Q Gross Bad Loans ratio 0.8% 0.8% +0.0 p.p. 0.8% 0.8% 0.8% 0.8% 0.8% 0.8% Net Bad Loans ratio 0.3% 0.3% +0.0 p.p. 0.2% 0.3% 0.3% 0.3% 0.3% 0.3% Gross Unlikely to pay ratio 1.5% 1.7% -0.2 p.p. 1.7% 1.7% 1.7% 1.8% 1.6% 1.5% Net Unlikely to pay ratio 1.0% 1.1% -0.1 p.p. 1.1% 1.1% 1.1% 1.2% 1.1% 1.0% Gross Past-due loans ratio 0.1% 0.2% -0.0 p.p. 0.1% 0.2% 0.2% 0.1% 0.1% 0.1% Net Past-due loans ratio 0.1% 0.1% -0.0 p.p. 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% Gross NPE Ratio 2.5% 2.6% -0.2 p.p. 2.6% 2.6% 2.6% 2.7% 2.6% 2.5% Net NPE Ratio 1.4% 1.5% -0.1 p.p. 1.4% 1.5% 1.4% 1.6% 1.4% 1.4%

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LOANS TO CUSTOMERS

2025 2026

Asset Quality - by Division, m 1H26 1H25 Change (%) 1Q 2Q 3Q 4Q 1Q 2Q

Italy

Gross Non Performing Exposures 4,525 4,369 3.6% 4,425 4,369 4,484 4,380 4,386 4,525 Net Non Performing Exposures 2,399 2,341 2.5% 2,369 2,341 2,439 2,302 2,282 2,399 NPE Coverage Ratio 46.98% 46.42% +0.6 p.p. 46.46% 46.42% 45.61% 47.44% 47.97% 46.98% Gross Customer Loans 184,995 167,709 10.3% 164,446 167,709 168,335 162,356 166,531 184,995 Net Customer Loans 181,362 164,084 10.5% 160,741 164,084 164,738 158,732 162,886 181,362 Gross NPE Ratio 2.45% 2.60% -0.2 p.p. 2.69% 2.60% 2.66% 2.70% 2.63% 2.45% Net NPE Ratio 1.32% 1.43% -0.1 p.p. 1.47% 1.43% 1.48% 1.45% 1.40% 1.32%

Germany

Gross Non Performing Exposures 3,016 3,121 -3.4% 2,846 3,121 2,900 3,240 3,111 3,016 Net Non Performing Exposures 1,830 1,995 -8.3% 1,786 1,995 1,865 2,254 1,985 1,830 NPE Coverage Ratio 39.33% 36.08% +3.2 p.p. 37.25% 36.08% 35.69% 30.43% 36.18% 39.33% Gross Customer Loans 137,995 132,266 4.3% 130,580 132,266 131,961 131,473 138,649 137,995 Net Customer Loans 136,436 130,765 4.3% 129,087 130,765 130,553 130,092 137,126 136,436 Gross NPE Ratio 2.19% 2.36% -0.2 p.p. 2.18% 2.36% 2.20% 2.46% 2.24% 2.19% Net NPE Ratio 1.34% 1.53% -0.2 p.p. 1.38% 1.53% 1.43% 1.73% 1.45% 1.34%

Austria

Gross Non Performing Exposures 2,022 1,829 10.5% 1,881 1,829 1,784 2,051 2,033 2,022 Net Non Performing Exposures 1,399 1,239 12.9% 1,185 1,239 1,204 1,365 1,369 1,399 NPE Coverage Ratio 30.78% 32.27% -1.5 p.p. 36.98% 32.27% 32.50% 33.44% 32.63% 30.78% Gross Customer Loans 66,196 61,331 7.9% 60,817 61,331 62,040 63,284 64,444 66,196 Net Customer Loans 65,147 60,173 8.3% 59,525 60,173 60,870 62,116 63,297 65,147 Gross NPE Ratio 3.05% 2.98% +0.1 p.p. 3.09% 2.98% 2.88% 3.24% 3.15% 3.05% Net NPE Ratio 2.15% 2.06% +0.1 p.p. 1.99% 2.06% 1.98% 2.20% 2.16% 2.15% CEE Gross Non Performing Exposures 2,155 1,919 12.3% 1,808 1,919 1,956 2,105 2,109 2,155 Net Non Performing Exposures 807 695 16.0% 612 695 700 772 769 807 NPE Coverage Ratio 62.56% 63.76% -1.2 p.p. 66.16% 63.76% 64.20% 63.32% 63.54% 62.56% Gross Customer Loans 87,951 78,776 11.6% 75,667 78,776 80,418 83,034 84,781 87,951 Net Customer Loans 85,670 76,566 11.9% 73,439 76,566 78,149 80,778 82,512 85,670 Gross NPE Ratio 2.45% 2.44% +0.0 p.p. 2.39% 2.44% 2.43% 2.53% 2.49% 2.45% Net NPE Ratio 0.94% 0.91% +0.0 p.p. 0.83% 0.91% 0.90% 0.96% 0.93% 0.94%

Russia

Gross Non Performing Exposures 221 414 -46.6% 408 414 393 248 223 221 Net Non Performing Exposures 20 71 -71.1% 67 71 64 36 24 20 NPE Coverage Ratio 90.75% 82.89% +7.9 p.p. 83.53% 82.89% 83.58% 85.49% 89.38% 90.75% Gross Customer Loans 738 1,473 -49.9% 1,690 1,473 1,121 855 780 738 Net Customer Loans 521 1,024 -49.1% 1,232 1,024 775 626 565 521 Gross NPE Ratio 29.96% 28.09% +1.9 p.p. 24.15% 28.09% 35.03% 29.05% 28.52% 29.96% Net NPE Ratio 3.92% 6.91% -3.0 p.p. 5.45% 6.91% 8.32% 5.76% 4.18% 3.92%

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GROUP CAPITAL STRUCTURE

2025 2026 Change % Capital Position , bn 1Q 2Q 3Q 4Q 1Q 2Q q/q y/y Common Equity Tier I Capital 46.3 46.1 43.0 43.7 42.4 44.0 +3.8 -4.5 Tier I Capital 152.2 51.1 48.0 48.7 48.4 49.0 +1.3 -4.0 Total Capital 159.5 58.6 55.6 56.3 56.2 57.2 +1.9 -2.3 Total RWA 2287.0 287.7 291.5 296.3 298.9 308.9 +3.3 +7.3 Credit Risk 229.5 230.7 233.9 235.2 237.3 246.1 +3.7 +6.7 Market Risk 10.2 9.7 10.3 10.8 11.5 12.5 +8.4 +28.1 Operational Risk 47.3 47.3 47.3 50.3 50.1 50.3 +0.3 +6.3 2025 2026 Delta Capital Ratios 1Q 2Q 3Q 4Q 1Q 2Q q/q y/y Common Equity Tier I Capital Ratio 216.1% 16.0% 14.8% 14.7% 14.2% 14.3% 7bp -176bp Tier I Capital Ratio 1,218.2% 17.7% 16.5% 16.4% 16.2% 15.9% -32bp -188bp Total Capital Ratio 1,220.7% 20.4% 19.1% 19.0% 18.8% 18.5% -25bp -183bp MDA buffer (CET1 ratio)35.8% 5.4% 4.1% 4.0% 4.0% 3.8% -21bp -163bp (1) Including transitional adjustments referred to grandfathering of Additional Tier 1 and Tier 2 instruments, applicable till 29 June 2025 (2) Starting from 1Q25, based on "Regulation (EU) 2024/1623 of the European Parliament and of the Council of 31 May 2024" (3) MDA buffer 2Q26 (including a gap of 27bps vs. the 1.88% AT1 bucket requirement) computed vs MDA requirement at 10.21% as of 2Q26

Note:

- Total RWA amount includes RWA equivalent to points 1 "Credit risk (excluding CCR)", 6 “Counterparty credit risk – CCR”, 16 "Securitisation exposures in the non-trading book (after the cap)", 10 “Credit valuation adjustments risk - CVA risk”, 15 "Settlement risk", 20 "Position, foreign exchange and commodities risks (Market risk)", 24 "Operational risk" and EU 24a "Exposure to crypto assets" related to “Template EU OV1 – Overview of total risk exposure amounts” of Pillar III.

- Credit and Counterparty Risk RWA amount includes RWA equivalent to points 1 "Credit risk (excluding CCR)", 6 “Counterparty credit risk – CCR” and 16 "Securitisation exposures in the non-trading book (after the cap)" related to “Template EU OV1 – Overview of total risk exposure amounts” of Pillar III.

- Market Risk RWA amount includes RWA equivalent to points 10 “Credit valuation adjustments risk - CVA risk”, 15 "Settlement risk" and 20 " Position, foreign exchange and commodities risks (Market risk) related to “Template EU OV1 – Overview of total risk exposure amounts” of Pillar III.

- Operational Risk RWA amount includes RWA equivalent to point 24 "Operational risk" related to “Template EU OV1 – Overview of total risk exposure amounts” of Pillar III.

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2025 2026

Italy 1H26 1H25 Change (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 3,170 3,220 -1.6% 1,638 1,582 1,511 1,545 1,566 1,604 Dividends 18 67 -72.7% 33 34 13 7 8 10 Fees 2,575 2,407 +6.9% 1,262 1,145 1,074 1,090 1,297 1,277 Net insurance result 181 0 n.m. 0 0 89 102 78 103 Trading income 223 245 -9.2% 154 91 46 -43 123 100 Other expenses/income -151 -90 +67.8% -44 -46 -58 -46 -91 -61 Revenue 6,016 5,850 +2.8% 3,044 2,806 2,674 2,655 2,982 3,033 HR Cost -1,161 -1,164 -0.2% -582 -582 -577 -606 -583 -578 Non HR Cost -701 -708 -1.0% -351 -358 -348 -346 -347 -355 Recovery of expenses 16 16 -3.6% 7 10 8 11 6 10 Amortisation & depreciation -107 -111 -3.5% -57 -53 -55 -55 -53 -54 Operating costs -1,954 -1,967 -0.7% -983 -984 -973 -996 -977 -977 Gross Operating Profit 4,062 3,883 +4.6% 2,061 1,823 1,701 1,659 2,005 2,056 Loan Loss Provisions (LLPs) -200 -207 -3.2% -103 -104 -66 -166 -100 -100 Net Operating Profit 3,862 3,677 +5.0% 1,958 1,719 1,636 1,494 1,905 1,957 Other Charges & Provisions -22 -24 -10.1% -23 -1 -19 -210 -26 4 o/w Systemic Charges -31 -28 +7.9% -12 -16 -16 -43 -19 -12 o/w DGS 0 0 -50.0% 0 0 0 -13 0 0 o/w Bank levies -22 -29 -23.8% -13 -16 -14 -14 -14 -8 o/w SRF EU & RF non EU 0 0 n.m. 0 0 0 0 0 0 Integration costs -24 -14 +73.1% -7 -7 -7 -721 -12 -12 Net income from investments -57 599 n.m. -30 628 -1 -22 -23 -33 Profit (loss) Before Tax 3,760 4,238 -11.3% 1,898 2,340 1,609 541 1,844 1,916 Stated Net Profit 2,318 3,038 -23.7% 1,259 1,779 1,062 438 1,126 1,192 DTAs from tax loss carry forward sustainability test* 0 0 n.m. 0 0 0 -8 0 0 Net Profit** 2,318 3,038 -23.7% 1,259 1,779 1,062 430 1,126 1,192 Net Profit after Capital Charges*** 2,274 2,997 -24.1% 1,259 1,739 1,061 392 1,126 1,148 Income Statement Ratios Cost income ratio, % 32.5% 33.6% -1.1 p.p. 32.3% 35.1% 36.4% 37.5% 32.8% 32.2% Cost of Risk, bps 24 26 -2 26 26 16 41 25 23

Volumes, bn

Customers Loans (excl. Repos and IC) 157.0 145.6 +7.9% 145.0 145.6 145.2 148.4 151.9 157.0 Customer Depos (excl. Repos and IC) 190.9 180.3 +5.9% 177.8 180.3 183.2 190.9 188.9 190.9 Total RWA 113.9 108.4 +5.0% 102.2 108.4 110.3 112.7 111.1 113.9 Other Figures, units / %

FTEs (100%) 26,017 26,156 -0.5% 26,165 26,156 26,225 26,484 26,454 26,017

RoAC**** 31.0% 44.1% -13.1 p.p. 37.6% 50.4% 29.6% 10.8% 30.8% 31.2% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

Empowering

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to Progress.

2025 2026

Germany 1H26 1H25 Change (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 1,652 1,567 +5.4% 768 799 826 841 829 823 Dividends 0 1 -56.0% 1 0 0 1 0 0 Fees 1,008 895 +12.7% 466 428 418 413 525 483 Net insurance result 0 0 n.m. 0 0 0 0 0 0 Trading income 277 357 -22.4% 214 143 83 37 143 134 Other expenses/income 9 35 -75.2% 13 22 12 4 -1 9 Revenue 2,946 2,855 +3.2% 1,462 1,393 1,340 1,297 1,496 1,450 HR Cost -560 -573 -2.4% -289 -284 -288 -294 -281 -279 Non HR Cost -452 -487 -7.3% -243 -244 -216 -217 -224 -227 Recovery of expenses 1 2 -19.4% 1 1 1 3 1 1 Amortisation & depreciation -31 -35 -10.8% -18 -17 -17 -17 -16 -15 Operating costs -1,041 -1,094 -4.8% -549 -545 -520 -525 -520 -521 Gross Operating Profit 1,905 1,761 +8.2% 913 849 819 772 976 929 Loan Loss Provisions (LLPs) -146 -80 +83.0% -35 -44 -59 -122 -78 -68 Net Operating Profit 1,759 1,681 +4.6% 877 804 760 650 898 861 Other Charges & Provisions -6 -11 -49.6% -2 -10 4 4 -5 -1 o/w Systemic Charges -3 -9 -61.6% -4 -4 0 -2 -2 -2 o/w DGS -3 -9 -61.6% -4 -4 0 -2 -2 -2 o/w Bank levies 0 0 n.m. 0 0 0 0 0 0 o/w SRF EU & RF non EU 0 0 n.m. 0 0 0 0 0 0 Integration costs -13 -13 +0.2% -6 -7 -5 -107 -8 -5 Net income from investments 0 -1 -78.4% -1 0 3 -2 0 0 Profit (loss) Before Tax 1,740 1,656 +5.1% 869 787 762 545 886 854 Stated Net Profit 1,157 1,112 +4.1% 588 524 550 402 586 571 DTAs from tax loss carry forward sustainability test* 0 0 n.m. 0 0 0 0 0 0 Net Profit** 1,157 1,112 +4.1% 588 524 550 402 586 571 Net Profit after Capital Charges*** 1,106 1,072 +3.1% 581 491 536 363 574 532 Income Statement Ratios Cost income ratio 35.3% 38.3% -3.0 p.p. 37.6% 39.1% 38.8% 40.5% 34.7% 35.9% Cost of Risk (LLP annualised on Avg Loans) in basis points 22 12 9 11 14 18 37 23 20

Volumes, bn

Customers Loans (excl. Repos and IC) 129.3 125.9 +2.7% 125.9 125.9 124.0 126.4 130.2 129.3 Customer Depos (excl. Repos and IC) 146.4 130.1 +12.5% 132.4 130.1 135.7 137.1 139.5 146.4 Total RWA 68.4 67.7 +1.0% 67.7 67.7 67.9 67.6 70.1 68.4 Other Figures, units / %

FTEs (100%) 8,265 8,618 -4.1% 8,780 8,618 8,561 8,345 8,328 8,265

RoAC**** 23.2% 23.5% -0.3 p.p. 25.8% 21.3% 23.1% 15.2% 24.1% 22.3% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

Empowering

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to Progress.

2025 2026

Austria 1H26 1H25 Change (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 728 713 +2.1% 353 360 350 369 358 370 Dividends 129 151 -14.5% 75 76 74 68 54 75 Fees 419 387 +8.3% 200 187 182 191 214 205 Net insurance result 0 0 n.m. 0 0 0 0 0 0 Trading income 37 51 -27.6% 27 24 18 17 17 20 Other expenses/income 8 18 -56.1% 7 11 7 0 2 6 Revenue 1,321 1,321 +0.0% 662 659 632 645 646 676 HR Cost -266 -272 -2.0% -136 -136 -135 -144 -133 -133 Non HR Cost -206 -213 -3.3% -108 -105 -104 -117 -102 -104 Recovery of expenses 0 0 n.m. 0 0 0 0 0 0 Amortisation & depreciation -17 -19 -8.3% -9 -9 -9 -9 -8 -9 Operating costs -489 -503 -2.8% -254 -250 -248 -269 -244 -246 Gross Operating Profit 832 817 +1.8% 409 409 384 376 402 430 Loan Loss Provisions (LLPs) 38 44 -13.7% 21 23 -21 -55 25 13 Net Operating Profit 870 861 +1.0% 430 431 362 321 427 443 Other Charges & Provisions -39 -44 -11.8% -23 -21 -12 -55 -23 -16 o/w Systemic Charges -41 -41 -0.3% -23 -18 -18 -14 -23 -18 o/w DGS -5 -5 -11.8% -5 0 0 5 -5 0 o/w Bank levies -36 -36 +1.4% -18 -18 -18 -18 -18 -18 o/w SRF EU & RF non EU 0 0 n.m. 0 0 0 0 0 0 Integration costs -22 -11 n.m. -9 -2 -11 -123 -2 -20 Net income from investments 37 27 +39.7% 4 23 2 136 0 37 Profit (loss) Before Tax 846 834 +1.5% 402 431 341 278 402 445 Stated Net Profit 739 676 +9.3% 336 340 269 302 361 378 DTAs from tax loss carry forward sustainability test* 0 0 n.m. 0 0 0 0 0 0 Net Profit** 739 676 +9.3% 336 340 269 302 361 378 Net Profit after Capital Charges*** 727 665 +9.3% 337 328 271 289 363 364 Income Statement Ratios Cost income ratio 37.0% 38.1% -1.1 p.p. 38.3% 37.9% 39.3% 41.7% 37.7% 36.4% Cost of Risk (LLP annualised on Avg Loans) in basis points -12 -15 3 -14 -15 14 36 -16 -8

Volumes, bn

Customers Loans (excl. Repos and IC) 63.3 59.9 +5.7% 59.3 59.9 60.8 61.6 62.2 63.3 Customer Depos (excl. Repos and IC) 61.0 58.8 +3.6% 58.0 58.8 59.5 61.8 59.4 61.0 Total RWA 39.4 38.8 +1.6% 40.0 38.8 39.7 39.8 39.8 39.4 Other Figures, units / %

FTEs (100%) 4,085 4,162 -1.8% 4,170 4,162 4,134 4,030 4,065 4,085

RoAC**** 26.8% 25.0% +1.8 p.p. 25.3% 24.6% 20.0% 21.8% 26.6% 26.9% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

Empowering

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2025 2026

CEE 1H26 1H25 Change (%) Ch. Const FX (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 1,687 1,594 +5.9% +4.9% 800 794 803 827 832 855 Dividends 8 10 -15.5% -15.5% 4 6 2 1 4 5 Fees 745 673 +10.6% +9.5% 337 336 358 349 380 364 Net insurance result 0 0 n.m. n.m. 0 0 0 0 0 0 Trading income 52 51 +2.3% +2.9% 21 30 50 30 23 29 Other expenses/income 2 29 -91.8% -92.9% 16 13 1 -16 1 1 Revenue 2,495 2,356 +5.9% +4.9% 1,178 1,178 1,215 1,191 1,240 1,255 HR Cost -407 -403 +0.9% +0.0% -201 -202 -203 -232 -203 -204 Non HR Cost -328 -326 +0.7% -0.1% -164 -162 -163 -174 -163 -165 Recovery of expenses 2 2 +0.8% +0.8% 1 1 1 3 1 1 Amortisation & depreciation -89 -97 -8.6% -9.5% -49 -49 -49 -49 -45 -44 Operating costs -823 -825 -0.3% -1.2% -413 -412 -414 -453 -411 -412 Gross Operating Profit 1,672 1,531 +9.2% +8.2% 765 766 802 738 829 843 Loan Loss Provisions (LLPs) -56 39 n.m. n.m. 21 18 -66 -56 -32 -24 Net Operating Profit 1,616 1,570 +3.0% +1.8% 785 784 735 682 797 819 Other Charges & Provisions -220 -142 +54.4% +46.1% -147 5 -25 -48 -195 -25 o/w Systemic Charges -220 -145 +51.3% +43.1% -146 0 -27 -33 -193 -27 o/w DGS -28 -29 -4.5% -5.8% -33 4 -4 -11 -26 -2 o/w Bank levies -170 -91 +86.6% +75.5% -87 -4 -17 -15 -149 -21 o/w SRF EU & RF non EU -11 -15 -27.0% -29.1% -20 5 0 0 -13 1 Integration costs -3 -7 -63.1% -63.5% 0 -7 -15 -43 -2 -1 Net income from investments 0 3 -99.6% -95.7% 0 3 0 -2 0 0 Profit (loss) Before Tax 1,394 1,423 -2.1% -2.4% 638 785 695 589 601 793 Stated Net Profit 1,121 1,149 -2.5% -2.8% 507 643 568 475 468 653 DTAs from tax loss carry forward sustainability test* 0 0 n.m. n.m. 0 0 0 0 0 0 Net Profit** 1,121 1,149 -2.5% -2.8% 507 643 568 475 468 653 Net Profit after Capital Charges*** 1,120 1,141 -1.9% -2.3% 512 629 576 465 478 642 Income Statement Ratios Cost income ratio 33.0% 35.0% -2.0 p.p. 35.1% 35.0% 34.0% 38.1% 33.1% 32.8% Cost of Risk (LLP annualised on Avg Loans) in basis points 13 -11 24 -11 -10 34 28 16 11

Volumes, bn

Customers Loans (excl. Repos and IC) 85.7 76.6 +11.9% 73.4 76.6 78.1 80.8 82.5 85.7 Customer Depos (excl. Repos and IC) 99.5 91.1 +9.2% 90.0 91.1 93.0 96.9 98.1 99.5 Total RWA 62.3 55.8 +11.6% 55.8 55.8 56.0 58.7 59.8 62.3 Other Figures, units / %

FTEs (100%) 18,608 19,534 -4.7% 19,798 19,534 19,014 18,970 18,857 18,608

RoAC**** 27.4% 30.2% -2.8 p.p. 27.6% 32.8% 30.3% 23.5% 23.4% 31.4% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test N.B. CEE results include CEE Countries results and Profit Center CEE.(****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

Empowering

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to Progress.

2025 2026

Czech Republic_&_Slovakia 1H26 1H25 Change (%) Ch. Const FX (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 339 320 +5.9% +3.0% 157 162 159 163 166 173 Dividends 1 2 -26.6% -26.6% 0 1 1 0 1 1 Fees 160 156 +2.7% -0.1% 80 76 77 74 85 75 Net insurance result 0 0 n.m. n.m. 0 0 0 0 0 0 Trading income 3 5 -46.0% -47.5% 2 3 3 3 -1 4 Other expenses/income 5 4 +34.8% +32.0% 3 1 2 0 1 4 Revenue 508 486 +4.5% +1.7% 242 244 240 241 252 256 HR Cost -92 -90 +2.0% -0.7% -45 -45 -46 -52 -46 -46 Non HR Cost -67 -63 +7.1% +4.2% -31 -32 -33 -35 -33 -34 Recovery of expenses 0 0 +72.7% +67.9% 0 0 0 1 0 0 Amortisation & depreciation -23 -24 -4.4% -7.0% -12 -12 -12 -13 -12 -10 Operating costs -182 -177 +2.9% +0.1% -88 -89 -91 -98 -91 -91 Gross Operating Profit 326 309 +5.4% +2.5% 154 156 150 142 161 165 Loan Loss Provisions (LLPs) 4 -9 n.m. n.m. -7 -2 -5 24 -3 7 Net Operating Profit 330 300 +9.9% +7.0% 147 153 144 167 158 172 Other Charges & Provisions -10 -7 +38.5% +34.8% -9 2 0 -1 -8 -1 o/w Systemic Charges -10 -8 +25.6% +22.3% -10 2 0 0 -8 -2 o/w DGS -4 -3 +6.8% +3.9% -2 -1 0 0 -3 0 o/w Bank levies 0 0 n.m. n.m. 0 0 0 0 0 0 o/w SRF EU & RF non EU -6 -4 +30.3% +26.7% -8 3 0 0 -4 -1 Integration costs 0 0 -92.6% -92.8% 0 -1 0 -5 0 0 Net income from investments 0 -1 -97.9% -98.0% -1 0 0 0 0 0 Profit (loss) Before Tax 320 292 +9.6% +6.6% 137 155 144 162 150 171 Stated Net Profit 261 233 +11.8% +8.8% 108 125 114 134 122 139 DTAs from tax loss carry forward sustainability test* 0 0 n.m. n.m. 0 0 0 0 0 0 Net Profit** 261 233 +11.8% +8.8% 108 125 114 134 122 139 Net Profit after Capital Charges*** 256 227 +12.6% +9.4% 108 119 114 129 122 134 Income Statement Ratios Cost income ratio 35.8% 36.4% -0.5 p.p. 36.4% 36.3% 37.8% 40.8% 36.1% 35.6% Cost of Risk (LLP annualised on Avg Loans) in basis points -3 8 -11 12 4 8 -39 5 -10

Volumes, bn

Customers Loans (excl. Repos and IC) 27.0 25.5 +5.9% 24.2 25.5 25.1 25.4 26.0 27.0 Customer Depos (excl. Repos and IC) 27.9 25.6 +9.0% 25.4 25.6 26.2 27.2 27.6 27.9 Total RWA 14.4 13.4 +7.4% 13.4 13.4 13.2 13.7 13.9 14.4 Other Figures, units / %

FTEs (100%) 2,944 3,027 -2.7% 3,065 3,027 3,022 2,993 2,971 2,944

RoAC**** 26.1% 24.1% +2.0 p.p. 23.3% 24.9% 23.8% 26.8% 25.1% 27.1% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

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2025 2026

Hungary 1H26 1H25 Change (%) Ch. Const FX (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 187 161 +16.5% +7.2% 79 82 84 87 90 98 Dividends 1 1 -3.0% -10.8% 0 1 0 0 0 1 Fees 93 82 +12.8% +3.8% 41 41 42 45 46 47 Net insurance result 0 0 n.m. n.m. 0 0 0 0 0 0 Trading income 1 -2 n.m. n.m. -1 -1 20 -3 3 -1 Other expenses/income -1 4 n.m. n.m. 0 3 -2 -1 0 0 Revenue 281 245 +14.6% +5.4% 119 126 144 128 137 144 HR Cost -42 -37 +11.4% +2.5% -19 -19 -20 -22 -20 -22 Non HR Cost -31 -31 +1.1% -7.0% -15 -15 -16 -17 -16 -15 Recovery of expenses 0 0 -84.2% -85.4% 0 0 0 0 0 0 Amortisation & depreciation -10 -9 +17.1% +7.7% -4 -4 -5 -6 -5 -5 Operating costs -83 -76 +8.4% -0.2% -38 -38 -40 -45 -41 -42 Gross Operating Profit 198 169 +17.4% +8.0% 81 88 104 83 97 102 Loan Loss Provisions (LLPs) -3 -1 n.m. n.m. 3 -3 4 -15 -5 2 Net Operating Profit 195 168 +15.8% +6.5% 84 85 108 68 92 103 Other Charges & Provisions -153 -89 +72.2% +58.4% -89 0 -3 -6 -144 -9 o/w Systemic Charges -152 -87 +74.9% +61.0% -89 2 -5 -6 -144 -8 o/w DGS -3 -3 +6.2% -2.3% -3 0 0 0 -3 0 o/w Bank levies -137 -73 +87.1% +72.2% -78 4 0 0 -133 -5 o/w SRF EU & RF non EU -2 -2 -8.4% -15.7% -3 1 0 0 -3 2 Integration costs 0 0 n.m. n.m. 0 0 0 -4 0 0 Net income from investments -1 0 n.m. n.m. 0 0 0 -1 0 -1 Profit (loss) Before Tax 41 80 -48.3% -52.5% -5 85 104 57 -52 94 Stated Net Profit 29 66 -55.1% -58.8% -10 75 92 48 -58 87 DTAs from tax loss carry forward sustainability test* 0 0 n.m. n.m. 0 0 0 0 0 0 Net Profit** 29 66 -55.1% -58.8% -10 75 92 48 -58 87 Net Profit after Capital Charges*** 38 74 -48.7% -53.7% -4 79 97 51 -53 91 Income Statement Ratios Cost income ratio 29.4% 31.1% -1.7 p.p. 32.0% 30.2% 27.6% 35.3% 29.6% 29.3% Cost of Risk (LLP annualised on Avg Loans) in basis points 11 2 8 -19 23 -28 94 33 -11

Volumes, bn

Customers Loans (excl. Repos and IC) 7.1 5.8 +23.3% 5.6 5.8 6.1 6.3 6.4 7.1 Customer Depos (excl. Repos and IC) 9.5 7.9 +20.1% 7.5 7.9 8.3 8.8 9.4 9.5 Total RWA 5.6 5.0 +12.9% 4.7 5.0 5.0 5.3 5.4 5.6 Other Figures, units / %

FTEs (100%) 1,711 1,732 -1.2% 1,725 1,732 1,724 1,714 1,715 1,711

RoAC**** 7.9% 19.1% -11.3 p.p. -6.0% 44.6% 57.7% 27.3% -33.9% 48.5% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

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2025 2026

Slovenia 1H26 1H25 Change (%) Ch. Const FX (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 42 43 -2.3% -2.3% 22 21 20 22 21 22 Dividends 0 0 n.m. n.m. 0 0 0 0 0 0 Fees 17 16 +6.4% +6.4% 8 8 8 8 9 9 Net insurance result 0 0 n.m. n.m. 0 0 0 0 0 0 Trading income 0 0 n.m. n.m. 0 0 0 0 0 0 Other expenses/income 0 0 n.m. n.m. 0 0 0 0 0 0 Revenue 60 59 +0.8% +0.8% 30 29 28 30 30 30 HR Cost -14 -14 +2.0% +2.0% -7 -7 -7 -7 -7 -7 Non HR Cost -8 -7 +5.9% +5.9% -4 -4 -4 -4 -4 -4 Recovery of expenses 0 0 -25.9% -25.9% 0 0 0 0 0 0 Amortisation & depreciation -2 -3 -16.2% -16.2% -1 -1 -1 -1 -1 -1 Operating costs -24 -23 +1.2% +1.2% -11 -12 -12 -13 -12 -12 Gross Operating Profit 36 36 +0.5% +0.5% 19 17 16 17 18 18 Loan Loss Provisions (LLPs) 1 -3 n.m. n.m. -1 -2 -6 -27 0 1 Net Operating Profit 37 33 +12.4% +12.4% 18 15 10 -10 18 19 Other Charges & Provisions -10 -8 +15.0% +15.0% -6 -3 -3 -8 -6 -4 o/w Systemic Charges -8 -7 +14.8% +14.8% -5 -3 -3 -1 -4 -4 o/w DGS -3 -2 +43.8% +43.8% -2 0 0 0 -2 -1 o/w Bank levies -4 -4 +5.5% +5.5% -2 -2 -2 0 -2 -2 o/w SRF EU & RF non EU 0 0 -2.4% -2.4% 0 0 0 0 0 0 Integration costs 0 0 n.m. n.m. 0 0 0 -1 0 0 Net income from investments 0 0 n.m. n.m. 0 0 0 0 0 0 Profit (loss) Before Tax 28 25 +11.5% +11.5% 12 12 8 -19 12 15 Stated Net Profit 22 19 +11.6% +11.6% 10 10 6 -15 10 12 DTAs from tax loss carry forward sustainability test* 0 0 n.m. n.m. 0 0 0 0 0 0 Net Profit** 22 19 +11.6% +11.6% 10 10 6 -15 10 12 Net Profit after Capital Charges*** 21 18 +13.9% +13.9% 9 9 6 -16 9 11 Income Statement Ratios Cost income ratio 39.7% 39.5% +0.2 p.p. 37.6% 41.5% 41.5% 42.5% 39.6% 39.7% Cost of Risk (LLP annualised on Avg Loans) in basis points -13 27 -39 19 35 124 524 -7 -18

Volumes, bn

Customers Loans (excl. Repos and IC) 2.3 1.9 +20.5% 2.0 1.9 1.9 2.2 2.2 2.3 Customer Depos (excl. Repos and IC) 3.2 3.0 +7.5% 3.0 3.0 3.1 3.2 3.1 3.2 Total RWA 1.4 1.3 +9.0% 1.3 1.3 1.3 1.4 1.4 1.4 Other Figures, units / %

FTEs (100%) 466 472 -1.3% 478 472 466 463 462 466

RoAC**** 21.6% 19.9% +1.7 p.p. 20.4% 19.4% 11.9% -35.0% 19.7% 23.4% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

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2025 2026

Croatia 1H26 1H25 Change (%) Ch. Const FX (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 284 284 +0.0% +0.0% 143 141 141 141 140 144 Dividends 4 6 -28.7% -28.7% 4 2 1 1 3 1 Fees 121 102 +18.4% +18.4% 52 50 59 54 63 58 Net insurance result 0 0 n.m. n.m. 0 0 0 0 0 0 Trading income 0 2 -77.8% -77.8% 1 1 0 2 0 1 Other expenses/income 7 17 -59.0% -59.0% 9 8 1 -3 6 1 Revenue 416 410 +1.3% +1.3% 209 201 203 194 211 205 HR Cost -64 -63 +1.4% +1.4% -31 -31 -31 -39 -32 -31 Non HR Cost -46 -44 +3.8% +3.8% -23 -21 -23 -26 -22 -23 Recovery of expenses 0 0 +98.7% +98.7% 0 0 0 1 0 0 Amortisation & depreciation -11 -11 +1.9% +1.9% -5 -5 -5 -5 -6 -6 Operating costs -120 -118 +2.1% +2.1% -60 -58 -60 -69 -60 -60 Gross Operating Profit 296 293 +1.0% +1.0% 150 143 143 125 151 145 Loan Loss Provisions (LLPs) 6 14 -60.6% -60.6% 5 9 -12 13 6 -1 Net Operating Profit 301 307 -1.8% -1.8% 155 152 131 138 157 144 Other Charges & Provisions -1 -1 +5.1% +5.1% -1 0 0 -7 0 0 o/w Systemic Charges 0 0 n.m. n.m. 0 0 0 -7 0 0 o/w DGS 0 0 n.m. n.m. 0 0 0 -7 0 0 o/w Bank levies 0 0 n.m. n.m. 0 0 0 0 0 0 o/w SRF EU & RF non EU 0 0 n.m. n.m. 0 0 0 0 0 0 Integration costs 0 0 n.m. n.m. 0 0 0 -2 0 0 Net income from investments 1 2 -48.9% -48.9% 1 1 0 -1 -1 2 Profit (loss) Before Tax 301 308 -2.2% -2.2% 155 153 131 128 156 145 Stated Net Profit 238 245 -2.9% -2.9% 123 122 103 99 124 114 DTAs from tax loss carry forward sustainability test* 0 0 n.m. n.m. 0 0 0 0 0 0 Net Profit** 238 245 -2.9% -2.9% 123 122 103 99 124 114 Net Profit after Capital Charges*** 239 243 -1.4% -1.4% 123 120 105 97 126 113 Income Statement Ratios Cost income ratio 28.9% 28.7% +0.2 p.p. 28.5% 28.9% 29.4% 35.5% 28.5% 29.3% Cost of Risk (LLP annualised on Avg Loans) in basis points -8 -23 15 -19 -28 38 -39 -19 3

Volumes, bn

Customers Loans (excl. Repos and IC) 14.2 12.5 +13.7% 11.9 12.5 12.8 13.3 13.7 14.2 Customer Depos (excl. Repos and IC) 19.0 17.9 +5.8% 17.5 17.9 18.3 18.1 18.5 19.0 Total RWA 10.6 9.3 +14.0% 9.3 9.3 9.4 9.8 10.1 10.6 Other Figures, units / %

FTEs (100%) 2,988 3,062 -2.4% 3,062 3,062 2,969 2,993 3,002 2,988

RoAC**** 36.3% 41.0% -4.7 p.p. 42.3% 39.7% 34.4% 30.6% 39.2% 33.5% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

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2025 2026

Romania 1H26 1H25 Change (%) Ch. Const FX (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 328 333 -1.6% +1.1% 170 163 168 174 166 162 Dividends 2 2 +6.3% +9.3% 0 2 0 0 0 2 Fees 124 114 +8.5% +11.5% 53 61 58 56 62 61 Net insurance result 0 0 n.m. n.m. 0 0 0 0 0 0 Trading income 17 18 -3.4% -0.7% 9 9 11 14 6 12 Other expenses/income -5 0 n.m. n.m. 2 -1 1 -3 -3 -2 Revenue 465 467 -0.4% +2.4% 233 234 238 241 230 235 HR Cost -85 -93 -8.5% -5.9% -46 -46 -45 -46 -43 -42 Non HR Cost -61 -68 -10.3% -7.9% -34 -34 -32 -34 -30 -30 Recovery of expenses 0 0 +31.3% +35.0% 0 0 0 0 0 0 Amortisation & depreciation -21 -26 -21.3% -19.1% -13 -13 -13 -11 -11 -10 Operating costs -166 -187 -11.0% -8.5% -93 -93 -89 -92 -84 -82 Gross Operating Profit 299 280 +6.7% +9.7% 140 140 149 150 146 153 Loan Loss Provisions (LLPs) -52 -18 n.m. n.m. 5 -23 -33 -16 -19 -33 Net Operating Profit 247 262 -5.7% -3.1% 145 117 116 133 127 120 Other Charges & Provisions -28 -25 +11.9% +15.0% -19 -6 -14 -20 -16 -12 o/w Systemic Charges -28 -25 +11.0% +14.0% -19 -6 -15 -14 -16 -12 o/w DGS 0 -2 -100.0% -100.0% -3 0 0 0 -2 2 o/w Bank levies -28 -14 n.m. n.m. -7 -7 -15 -14 -14 -14 o/w SRF EU & RF non EU 0 -9 -100.0% -100.0% -10 1 0 0 0 0 Integration costs 0 -8 -100.0% -100.0% -1 -7 -14 -20 0 0 Net income from investments 1 1 n.m. n.m. 0 0 1 -1 1 1 Profit (loss) Before Tax 220 230 -4.2% -1.6% 125 104 90 93 111 109 Stated Net Profit 158 167 -5.6% -2.6% 91 76 65 64 80 78 DTAs from tax loss carry forward sustainability test* 0 0 n.m. n.m. 0 0 0 0 0 0 Net Profit** 158 167 -5.6% -2.6% 91 76 65 64 80 78 Net Profit after Capital Charges*** 159 167 -5.2% -2.2% 93 75 67 63 82 77 Income Statement Ratios Cost income ratio 35.7% 40.0% -4.3 p.p. 40.0% 39.9% 37.4% 37.9% 36.5% 35.0% Cost of Risk (LLP annualised on Avg Loans) in basis points 78 29 49 -18 75 103 50 58 97

Volumes, bn

Customers Loans (excl. Repos and IC) 13.5 12.5 +8.3% 12.5 12.5 13.0 13.2 13.3 13.5 Customer Depos (excl. Repos and IC) 14.9 14.4 +4.0% 14.7 14.4 14.1 15.1 15.0 14.9 Total RWA 12.1 10.9 +10.8% 10.9 10.9 10.8 11.2 11.5 12.1 Other Figures, units / %

FTEs (100%) 4,261 4,851 -12.2% 5,052 4,851 4,510 4,475 4,397 4,261

RoAC**** 20.6% 23.0% -2.4 p.p. 26.6% 19.3% 19.0% 17.4% 21.6% 19.6% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

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2025 2026

Bulgaria 1H26 1H25 Change (%) Ch. Const FX (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 298 249 +19.6% +19.6% 125 124 127 132 145 153 Dividends 0 0 n.m. n.m. 0 0 1 0 0 0 Fees 122 114 +7.3% +7.3% 57 56 62 69 63 59 Net insurance result 0 0 n.m. n.m. 0 0 0 0 0 0 Trading income 7 8 -21.7% -21.7% 4 4 5 5 4 3 Other expenses/income -5 0 n.m. n.m. 0 -1 -2 -8 -3 -3 Revenue 422 371 +13.5% +13.5% 187 185 193 198 210 212 HR Cost -55 -52 +5.5% +5.5% -26 -26 -28 -35 -27 -28 Non HR Cost -31 -30 +3.4% +3.4% -16 -15 -14 -15 -16 -15 Recovery of expenses 0 0 +5.5% +5.5% 0 0 0 0 0 0 Amortisation & depreciation -13 -15 -14.5% -14.5% -7 -7 -8 -7 -6 -6 Operating costs -99 -97 +1.8% +1.8% -49 -48 -49 -57 -50 -49 Gross Operating Profit 323 275 +17.7% +17.7% 138 137 144 141 160 163 Loan Loss Provisions (LLPs) -14 34 n.m. n.m. 3 30 -9 -32 -12 -2 Net Operating Profit 310 308 +0.5% +0.5% 141 167 135 109 148 162 Other Charges & Provisions -11 -11 +7.6% +7.6% -19 9 0 0 -17 5 o/w Systemic Charges -11 -11 +4.6% +4.6% -19 9 0 0 -16 5 o/w DGS -11 -11 +4.6% +4.6% -19 9 0 0 -12 1 o/w Bank levies 0 0 n.m. n.m. 0 0 0 0 0 0 o/w SRF EU & RF non EU 0 0 n.m. n.m. 0 0 0 0 -5 5 Integration costs -2 0 n.m. n.m. 0 -1 -1 -7 -1 -1 Net income from investments 0 0 n.m. n.m. 0 0 0 0 0 0 Profit (loss) Before Tax 296 298 -0.6% -0.6% 122 176 134 102 130 166 Stated Net Profit 251 254 -1.5% -1.5% 105 150 110 83 109 141 DTAs from tax loss carry forward sustainability test* 0 0 n.m. n.m. 0 0 0 0 0 0 Net Profit** 251 254 -1.5% -1.5% 105 150 110 83 109 141 Net Profit after Capital Charges*** 248 250 -1.0% -1.0% 105 145 110 80 109 138 Income Statement Ratios Cost income ratio 23.4% 26.1% -2.7 p.p. 26.2% 26.0% 25.5% 28.8% 23.7% 23.1% Cost of Risk (LLP annualised on Avg Loans) in basis points 21 -61 82 -12 -110 31 106 38 5

Volumes, bn

Customers Loans (excl. Repos and IC) 13.5 11.2 +20.0% 10.9 11.2 11.7 12.4 12.9 13.5 Customer Depos (excl. Repos and IC) 16.0 14.1 +13.0% 13.8 14.1 14.8 15.9 15.9 16.0 Total RWA 9.9 8.5 +15.9% 9.2 8.5 8.7 9.4 9.3 9.9 Other Figures, units / %

FTEs (100%) 3,327 3,528 -5.7% 3,550 3,528 3,465 3,457 3,414 3,327

RoAC**** 38.2% 41.6% -3.5 p.p. 35.8% 47.3% 35.2% 24.9% 34.3% 41.9% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

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2025 2026

Bosnia 1H26 1H25 Change (%) Ch. Const FX (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 83 74 +12.1% +12.1% 36 37 40 40 40 43 Dividends 0 0 n.m. n.m. 0 0 0 0 0 0 Fees 41 37 +8.9% +8.9% 18 20 22 21 21 20 Net insurance result 0 0 n.m. n.m. 0 0 0 0 0 0 Trading income 1 1 -2.7% -2.7% 1 1 1 1 1 1 Other expenses/income 1 4 -72.2% -72.2% 1 3 2 0 1 0 Revenue 126 116 +8.3% +8.3% 56 60 64 62 62 63 HR Cost -23 -22 +2.2% +2.2% -11 -11 -11 -13 -11 -11 Non HR Cost -18 -17 +5.8% +5.8% -9 -8 -8 -9 -9 -9 Recovery of expenses 0 0 +21.7% +21.7% 0 0 0 0 0 0 Amortisation & depreciation -5 -5 -5.7% -5.7% -2 -2 -2 -2 -2 -2 Operating costs -45 -44 +2.6% +2.6% -22 -22 -22 -25 -23 -22 Gross Operating Profit 81 72 +11.8% +11.8% 34 39 43 38 40 41 Loan Loss Provisions (LLPs) -1 0 +82.5% +82.5% -1 0 1 -3 -1 0 Net Operating Profit 80 72 +11.3% +11.3% 33 39 44 35 39 41 Other Charges & Provisions -5 -4 +39.9% +39.9% -2 -1 -3 -3 -3 -2 o/w Systemic Charges -5 -5 +7.8% +7.8% -2 -2 -2 -2 -3 -3 o/w DGS -5 -5 +7.8% +7.8% -2 -2 -2 -2 -3 -3 o/w Bank levies 0 0 n.m. n.m. 0 0 0 0 0 0 o/w SRF EU & RF non EU 0 0 n.m. n.m. 0 0 0 0 0 0 Integration costs 0 0 n.m. n.m. 0 0 0 -1 0 0 Net income from investments -2 0 n.m. n.m. 0 0 -1 1 1 -2 Profit (loss) Before Tax 73 68 +7.2% +7.2% 30 38 40 32 36 37 Stated Net Profit 64 59 +8.4% +8.4% 26 33 35 30 31 32 DTAs from tax loss carry forward sustainability test* 0 0 n.m. n.m. 0 0 0 0 0 0 Net Profit** 64 59 +8.4% +8.4% 26 33 35 30 31 32 Net Profit after Capital Charges*** 63 58 +9.6% +9.6% 25 32 35 29 32 32 Income Statement Ratios Cost income ratio 35.7% 37.7% -2.0 p.p. 39.8% 35.8% 33.9% 39.3% 36.4% 35.0% Cost of Risk (LLP annualised on Avg Loans) in basis points 5 3 2 11 -4 -16 37 14 -4

Volumes, bn

Customers Loans (excl. Repos and IC) 3.4 2.9 +17.5% 2.7 2.9 2.9 3.0 3.1 3.4 Customer Depos (excl. Repos and IC) 4.4 3.9 +11.7% 3.8 3.9 4.1 4.2 4.3 4.4 Total RWA 3.0 2.7 +11.0% 2.6 2.7 2.6 2.8 2.8 3.0 Other Figures, units / %

FTEs (100%) 1,450 1,462 -0.8% 1,468 1,462 1,453 1,459 1,452 1,450

RoAC**** 34.4% 34.2% +0.2 p.p. 30.7% 37.5% 40.9% 33.3% 35.2% 33.6% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

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2025 2026

Serbia 1H26 1H25 Change (%) Ch. Const FX (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 112 115 -3.3% -3.2% 57 58 60 61 56 55 Dividends 0 0 n.m. n.m. 0 0 0 0 0 0 Fees 43 40 +8.3% +8.4% 21 19 21 22 20 23 Net insurance result 0 0 n.m. n.m. 0 0 0 0 0 0 Trading income 2 4 -56.1% -56.1% 2 3 2 1 1 1 Other expenses/income 0 -1 n.m. n.m. 0 0 0 0 0 0 Revenue 157 159 -1.5% -1.4% 80 79 81 84 77 80 HR Cost -25 -23 +9.3% +9.4% -11 -12 -11 -14 -12 -12 Non HR Cost -18 -16 +9.2% +9.3% -8 -8 -8 -11 -8 -9 Recovery of expenses 0 0 -16.9% -16.8% 0 0 0 0 0 0 Amortisation & depreciation -5 -5 -7.1% -6.9% -3 -2 -3 -3 -2 -2 Operating costs -47 -44 +7.4% +7.6% -22 -22 -22 -27 -23 -24 Gross Operating Profit 109 115 -4.9% -4.8% 58 57 59 56 54 56 Loan Loss Provisions (LLPs) 0 -1 n.m. n.m. 1 -3 2 0 2 -2 Net Operating Profit 110 114 -3.7% -3.6% 59 54 61 56 56 54 Other Charges & Provisions -2 2 n.m. n.m. -1 4 -2 -4 -1 -1 o/w Systemic Charges -6 -3 +94.9% +95.2% -1 -1 -2 -2 -1 -5 o/w DGS -2 -3 -35.1% -35.0% -1 -1 -2 -2 -1 -1 o/w Bank levies 0 0 n.m. n.m. 0 0 0 0 0 0 o/w SRF EU & RF non EU -4 0 n.m. n.m. 0 0 0 0 0 -4 Integration costs 0 0 n.m. n.m. 0 0 0 -1 0 0 Net income from investments 0 1 -99.5% -99.5% 1 0 0 0 0 0 Profit (loss) Before Tax 108 117 -8.4% -8.2% 59 58 59 51 55 52 Stated Net Profit 95 103 -7.4% -7.3% 52 51 53 45 49 46 DTAs from tax loss carry forward sustainability test* 0 0 n.m. n.m. 0 0 0 0 0 0 Net Profit** 95 103 -7.4% -7.3% 52 51 53 45 49 46 Net Profit after Capital Charges*** 93 101 -7.4% -7.3% 52 49 53 43 49 45 Income Statement Ratios Cost income ratio 30.1% 27.6% +2.5 p.p. 27.1% 28.0% 27.5% 32.7% 30.0% 30.2% Cost of Risk (LLP annualised on Avg Loans) in basis points 0 8 -8 -15 31 -18 3 -23 22

Volumes, bn

Customers Loans (excl. Repos and IC) 4.1 3.4 +18.6% 3.3 3.4 3.6 3.8 3.9 4.1 Customer Depos (excl. Repos and IC) 4.7 4.3 +8.9% 4.2 4.3 4.2 4.5 4.4 4.7 Total RWA 4.5 4.0 +13.8% 3.7 4.0 4.0 4.2 4.3 4.5 Other Figures, units / %

FTEs (100%) 1,414 1,336 +5.8% 1,328 1,336 1,349 1,364 1,390 1,414

RoAC**** 32.0% 38.7% -6.7 p.p. 40.0% 37.4% 38.3% 31.9% 33.7% 30.3% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

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2025 2026

Russia 1H26 1H25 Change (%) Ch. Const FX (%) 1Q 2Q 3Q 4Q 1Q 2Q Income Statement , m Net interest 315 387 -18.7% -24.0% 191 196 176 167 157 158 Dividends 0 0 n.m. n.m. 0 0 0 0 0 0 Fees 85 127 -33.2% -37.0% 67 60 43 44 37 47 Net insurance result 0 0 n.m. n.m. 0 0 0 0 0 0 Trading income 29 149 -80.4% -81.7% 108 42 3 13 38 -9 Other expenses/income 0 1 n.m. n.m. 0 1 -1 0 0 0 Revenue 428 664 -35.5% -39.5% 366 298 222 225 232 196 HR Cost -42 -49 -13.7% -19.0% -24 -25 -24 -24 -21 -21 Non HR Cost -35 -41 -14.5% -19.9% -21 -20 -15 -20 -18 -17 Recovery of expenses 0 0 n.m. n.m. 0 0 0 0 0 0 Amortisation & depreciation -20 -18 +14.6% +7.4% -9 -9 -9 -11 -10 -10 Operating costs -98 -108 -9.4% -15.0% -54 -54 -47 -55 -49 -49 Gross Operating Profit 330 556 -40.6% -44.3% 312 244 174 170 183 147 Loan Loss Provisions (LLPs) 9 19 -53.6% -56.4% 13 7 96 53 9 0 Net Operating Profit 339 575 -41.0% -44.7% 325 251 270 223 192 148 Other Charges & Provisions -7 -3 n.m. n.m. -2 -1 -1 -3 -6 -1 o/w Systemic Charges -2 -3 -39.2% -43.1% -2 -2 -1 -1 -1 -1 o/w DGS -2 -3 -39.2% -43.1% -2 -2 -1 -1 -1 -1 o/w Bank levies 0 0 n.m. n.m. 0 0 0 0 0 0 o/w SRF EU & RF non EU 0 0 n.m. n.m. 0 0 0 0 0 0 Integration costs 0 0 n.m. n.m. 0 0 -1 -13 0 0 Net income from investments 15 26 -45.1% -48.5% 5 21 6 0 4 10 Profit (loss) Before Tax 346 599 -42.2% -45.8% 328 271 274 207 190 157 Stated Net Profit 268 472 -43.1% -46.7% 256 216 238 104 145 123 DTAs from tax loss carry forward sustainability test* 0 0 n.m. n.m. 0 0 0 0 0 0 Net Profit** 268 472 -43.1% -46.7% 256 216 238 104 145 123 Net Profit after Capital Charges*** 263 467 -43.7% -47.5% 256 211 238 100 144 119 Income Statement Ratios Cost income ratio 22.9% 16.3% +6.6 p.p. 14.8% 18.1% 21.3% 24.5% 21.2% 24.9% Cost of Risk (LLP annualised on Avg Loans) in basis points -316 -332 16 -424 -234 n.m. n.m. -579 -29

Volumes, bn

Customers Loans (excl. Repos and IC) 0.5 1.0 -49.1% 1.2 1.0 0.8 0.6 0.6 0.5 Customer Depos (excl. Repos and IC) 2.3 3.4 -31.4% 4.2 3.4 3.2 2.7 2.7 2.3 Total RWA 11.4 11.4 -0.4% 11.9 11.4 11.2 10.7 10.6 11.4 Other Figures, units / %

FTEs (100%) 1,358 2,355 -42.4% 2,517 2,355 2,111 1,563 1,489 1,358

RoAC**** -22.4% 14.5% -36.9 p.p. 36.7% -7.1% -25.9% 45.2% -17.1% -27.6% (*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (****) Annualized ratio between (i) Net Profit after Capital Charges + Excess Capital Charge (calculated on T1) and (ii) Allocated Capital(***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP) NOTE: «Russia» means «Participation in AO Bank + Profit Centre Russia»

Empowering

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2025 2026

GCC 1H26 1H25 Change (%) 1Q 2Q 3Q 4Q 1Q 2Q

Income Statement , m Net interest -306 -176 +73.9% -89 -87 -125 -122 -155 -151 Dividends 960 216 n.m. 16 200 157 209 342 619 Fees -49 -12 n.m. -6 -7 -5 -15 -22 -27 Net insurance result 3 0 n.m. 0 0 0 -1 -1 3 Trading income -389 -340 +14.4% -28 -312 84 -339 131 -520 Other expenses/income -31 -33 -8.3% -19 -14 -20 -37 -19 -11 Revenue 188 -345 n.m. -126 -220 91 -304 276 -88 HR Cost -412 -403 +2.2% -204 -200 -205 -275 -210 -203 Non HR Cost 426 476 -10.4% 240 236 222 163 215 211 Recovery of expenses 18 23 -21.0% 13 11 11 13 9 9 Amortisation & depreciation -223 -234 -5.1% -117 -118 -117 -117 -111 -112 Operating costs -190 -139 +36.8% -68 -71 -89 -216 -96 -94 Gross Operating Profit -2 -484 -99.6% -194 -290 2 -520 180 -182 Loan Loss Provisions (LLPs) -22 -8 n.m. 1 -8 3 -11 -8 -15 Net Operating Profit -24 -492 -95.1% -193 -299 5 -530 173 -197 Other Charges & Provisions -3 -218 -98.8% -10 -207 4 -59 -2 0 o/w Systemic Charges -2 0 n.m. 0 0 0 -1 0 -2 o/w DGS 0 0 n.m. 0 0 0 0 0 0 o/w Bank levies -2 0 n.m. 0 0 0 -1 0 -2 o/w SRF EU & RF non EU 0 0 n.m. 0 0 0 0 0 0 Integration costs -23 -25 -10.9% -9 -17 -15 -46 0 -23 Net income from investments 225 192 +17.2% -10 202 -36 307 218 6 Profit (loss) Before Tax 176 -543 n.m. -222 -321 -42 -328 389 -213 Stated Net Profit 520 -332 n.m. -175 -157 -54 446 532 -11 DTAs from tax loss carry forward sustainability test* 0 0 n.m. 0 0 -2 -326 -1 1 Net Profit** 520 -332 n.m. -175 -157 -56 120 531 -11 Net Profit after Capital Charges*** 473 -381 n.m. -175 -206 -51 85 532 -59 Income Statement Ratios Cost income ratio n.m. n.m. n.m. n.m. n.m. n.m. n.m. n.m. n.m.

Cost of Risk (LLP annualised on Avg Loans) in basis points n.m. n.m. n.m. n.m. n.m. n.m. n.m. n.m. n.m.

Volumes, bn

Customers Loans (excl. Repos and IC) 6.7 0.7 n.m. 0.6 0.7 0.8 1.2 1.4 6.7 Customer Depos (excl. Repos and IC) 3.8 1.6 n.m. 3.8 1.6 1.9 2.3 3.3 3.8 Total RWA 13.5 5.6 n.m. 9.5 5.6 6.2 6.9 7.4 13.5 Other Figures, units / %

FTEs (100%) 7,848 7,884 -0.5% 7,865 7,884 7,721 7,724 7,774 7,848

(*) Reversal of the impact booked in the Income Tax line where applicable (**) Net Profit means Stated Net Profit as defined in page 3 (Income Statement) adjusted for impacts from DTAs tax loss carry forward resulting from sustainability test (***) Net Profit after Capital Charges means Net Profit + AT1 charge (allocation of cost of Coupons for AT1 issuance) + Group T2/SP/SNP charge (Allocation of T2, SP, SNP issuances cost to meet Group Regulatory Capital Requirements) - local iMREL costs (Sterilization of cost over Euribor 3 months for Local issuances for regulatory requirements of T2 and SNP)

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2025 2026

Group Fees, m 1H26 1H25 Change (%) 1Q 2Q 3Q 4Q 1Q 2Q Investment Products 1,517 1,373 +10.4% 725 648 621 615 761 756 Insurance 479 452 +5.9% 243 209 194 192 238 241 Financing & Advisory Fees 1,024 918 +11.5% 473 445 449 452 533 491 Current Accounts and Payments Fees 1,271 1,274 -0.3% 649 625 624 592 657 613 Client Hedging Fees* 492 459 +7.2% 237 222 183 222 243 249

TOTAL FEE & COMMISSIONS 4,782 4,477 +6.8% 2,327 2,149 2,071 2,073 2,431 2,350

(*) Shift from Trading Income to Fees of the client hedging markup (commercial margin between final price to the client and the offer price, the latter being quoted by the trader and containing bid/offer, market risk hedging costs and day one XVA) for: FX spot operations, plain vanilla derivatives on FX, Fixed Income and Equity, Commodities derivatives.

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2025 2026

Branches, unit* 1Q 2Q 3Q 4Q 1Q 2Q Total Group 3,005 2,990 3,100 3,075 3,048 3,031 Italy 1,943 1,942 1,941 1,941 1,941 1,941 Germany 223 214 215 213 213 213 Austria 102 104 104 104 104 105

CEE 702 701 819 809 784 771

Czech Republic 103 102 103 103 103 103 Hungary 50 50 50 50 50 50 Slovenia 12 12 12 12 12 12 Croatia 99 100 100 100 100 100 Romania 141 141 258 253 229 218 Bulgaria 127 126 126 121 120 117 Bosnia 99 99 99 99 99 99 Bosnia NBB 30 30 30 30 30 30 Bosnia Zabamostar 69 69 69 69 69 69 Serbia 71 71 71 71 71 72 Russia 35 29 21 8 6 1

* Retail Branches only; for Italy, Germany, AUT and CEE excluding minor premises, Corporate and Private Banking. Following the merge in UniCredit Bank Romania, starting from 3Q25 also the former Alpha Bank Romania branches are reported in the country Romania.

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Disclaimer on Recast #1 P&L Item Reclassification 2025 quarterly figures have been subject to different P&L items reclassification:

- Commodities Interest Margin reclassified from Trading to NII

- Certificates Costs reclassified from NII to Trading

- Securitization Costs reclassified from Fees (and partially NII) to Balance

- Bancassurance Indemnities reclassified from Balance to Fees

- UCITS related to credits non performing from Trading Profits to Profits on Investments #3 Division Germany figures 2025 quarterly figures have been subject to recast due to a shift to Group Corporate Center of trading related activities concerning Commodities, previously managed in Germany#2 Divisions Italy, Germany, Austria, CEE, GCC figures change 2025 quarterly figures have been subject to recast due to:

- Application of Extended Accounting View attributing to the countries the entire P&L and RWAs, currently booked in UCB GmbH and GCC, related to the hedging activities done by Client Risk Management with

market counterparts

- Group Corporate Center costs reallocation to Divisions of Global Central Functions directly working for the

Business Divisions

#4 Division Austria figures 2025 quarterly figures have been subject to recast to reflect the transfer of Card Complete figures to the Group Corporate Center, following the legal entity disposal in 3Q, in order to ensure like-for-like comparability between 2026 and 2025.

#5 Systemic Charges details Starting form 2Q26, item "SRF EU" was relabled into "SRF EU & RF non EU". It includes "ex-ante Resolution Funds not harmonized EU regulations" in addition to "Single Resolution Fund EU"

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