Supplement to the press release issued on 25 September 2026, pursuant to Article 114, paragraph 5, of Legislative Decree 58/1998, requested by Consob

Informazione

Regolamentata n.

0147-84-2026Data/Ora Inizio Diffusione 1 Ottobre 2026 07:38:02Euronext Star Milan

Societa' :BANCA IFIS Utenza - referente :IFISN03 - Da Rio Martino

Tipologia :REGEM

Data/Ora Ricezione :1 Ottobre 2026 07:38:02 Data/Ora Inizio Diffusione :1 Ottobre 2026 07:38:02 Oggetto :Supplement to the press release issued on 25 September 2026, pursuant to Article 114, paragraph 5, of Legislative Decree 58/1998, requested by Consob Testo del comunicato

Vedi allegato

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COMUNICATO STAMPA

Supplement to the press release issued on 25 September 2026

Rome, 1 October 2026 – Further to the information contained in the press release published on 25 September 2026, and at the request made by Consob pursuant to Article 114(5) of Legislative Decree No.

58 of 24 February 1998, as subsequently amended, Banca Ifis S.p.A. (“ Banca ” or “ Banca Ifis ”) announces as follows.

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With regard to the resignation of Ing. Frederik Geertman from his position as director and Chief Executive Officer, effective 24 September 2026, it is clarified that:

i. Ing. Geertman has represented that he was resigning for personal reasons and considerations;

ii.the agreements that Banca is negotiating with Ing. Geertman — as well as the new agreements with Dr. Zingone and Dr. Lanza following their appointment, respectively, as Chief Executive Officer and General Manager of Banca Ifis — constitute related -party transactions and, accordingly, the relevant approval will be granted following application of the provisions of the Consob Regulation adopted by Resolution No. 17221 of 12 March 2010, as subsequently amended, and the Group Policy o n related -party transactions adopted by Banca, including the involvement of the Risk and Control Committee (which consists solely of independent directors) acting in its capacity as the Related -Party Committee.

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With regard to the findings of the inspections conducted by the Bank of Italy, it is clarified that:

i. the Bank of Italy identified “critical issues” in the credit monitoring, classification and assessment processes, in recovery processes and in valuation methodologies for NPLs acquired from third parties. In this regard, while acknowledging this observatio n, Banca Ifis confirm s the soundness and reliability of its NPL recovery processes and valuation models, also considering that these models have recently been validated by three leading independent external advisors ;

ii.implementation of the inspection findings, based on data as of 31 December 2025, would entail (a) reclassifications totaling €200 million, of which approximately €145 million had already been recognized as of 30 June 2026, resulting in a further increase o f approximately 50 bps in the NPL ratio, (b) adjustments of €157 million relating to the acquired NPL portfolio and adjustments of €58 million relating to the loan portfolio, of which approximately €45 million had already been recognized as of 30 June 2026, and (c) an increase in RWA of €128 million relating to securitization transactions, of which €108 million had already been recogn ized in the first half of

2026;

iii.the Authority requested an update to the dividend policy — the latest version of which dates back to 2023 — to provide, inter alia , that the distribution of profits and reserves be subject to maintaining — as has in fact been the case to date — a capital buffer of no less than 100 basis points above the aggregate required capital levels, including guidance;

iv.implementation of the inspection findings could also have an impact — which cannot be quantified as of today — on capital adequacy, particularly with regard to compliance with the Overall Capital Requirement and the Pillar 2 Guidance, and on dividend distributions, taking into account the aforementioned request to update the dividend policy and the expected update of the decision on the Group’s capital. For full information to the public, it should be noted that the Overall Capital Requirement, including the Pillar 2 Guidance, that will apply following completion of the process to update the decision on the Group’s capital will be fully met based on data as of 30 June 2026;

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COMUNICATO STAMPA

v.with reference to the findings concerning the corporate governance system, the inspection findings identified deficiencies in the functioning of the Board of Directors with respect to its role in the decision -making process, the level of boardroom debate a nd the oversight of key strategic decisions affecting the measurement and management of the company’s risks;

vi.the measure contemplated by the prudential remediation plan concerning the enhancement of the corporate governance arrangements, including through the addition of new skills and professional expertise, entails a prospective review of the composition of the Board of Directors and the appointment of new members, mainly independent. Such review was in any event already expected in light of certain independent directors ceasing to satisfy the independence requirements in April 2028.

Investor Relations

Martino Da Rio Head of Investor Relations & Corporate Development +39 02 24129953

Davide Pastore

Head of Media Relations

davide.pastore@bancaifis.it

+39 337 1115357

Fine Comunicato n.0147-84-2026 Numero di Pagine: 4