30.01.2026 - Preliminary Results 2025

Consolidated profit (excluding Russia) above 1.4 billion euros

• Consolidated profit 2025 up 48% to EUR 1,443 million (excluding Russia), with provisions for FX loans in Poland down significantly
• Main revenues up 3% to EUR 6,186 million, driven by accelerating loan growth (6% for FY/2025)
• CET1 ratio excluding Russia at 15.5% (Group CET1 ratio at 17.9%)
• Business reduction in Russia on target - all restrictions to remain in place in 2026
• Dividend proposal of EUR 1.60 per share, subject to audited results and to be voted on at the AGM
• Outlook for 2026 (excluding Russia): main revenues to increase by mid-single digits, loan growth around 7% and CET1 ratio above 15%