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Q3 2026 results 29 October 2026
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2 The information contained in this document (the “Information”) has been prepared by Ayvens (the “Company”) solely for informational purposes. The Information is proprietary to the Company. This presentation and its content may not be reproduced or distributed or published, directly or indirectly, in whole or in part, to any other person for any purpose without the prior written permission of the Company. “Ayvens” refers to the Company and its consolidated entities. The Information is not an offer to buy or sell or a solicitation of an offer to buy or sell any security or instrument or to participate in any trading strategy, and does not constitute a recommendation of, or advice regarding investment in, any security or an offer to provide, or solicitation with respect to, any securities-related services of the Company. This presentation is information given in a summary form and does not purport to be complete. It is not intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. Investors should consult the relevant offering documentation, with or without professional advice when deciding whether an investment is appropriate. This presentation contains forward-looking statements relating to the targets and strategies of the Company. These forward-looking statements are based on a series of assumptions, both general and specific, in particular the application of accounting principles and methods in accordance with IFRS (International Financial Reporting Standards) as adopted in the European Union. These forward-looking statements have also been developed from scenarios based on a number of economic assumptions in the context of a given competitive and regulatory environment. The Company may be unable to: - anticipate all the risks, uncertainties or other factors likely to affect its business and to appraise their potential consequences; - evaluate the extent to which the occurrence of a risk or a combination of risks could cause actual results to differ materially from those provided in this document and the related presentation. Therefore, although the Company believes that these statements are based on reasonable assumptions, these forward-looking statements are subject to various risks and uncertainties, including matters not yet known to it or its management or not currently considered material, and there can be no assurance that anticipated events will occur or that the objectives set out will actually be achieved. Important factors that could cause actual results to differ materially from the results anticipated in the forward-looking statements include, among others, overall trends in general economic activity and in the Company’s markets in particular, regulatory and prudential changes, and the success of theCompany’s strategic, operating and financial initiatives. Unless otherwise specified, the sources for the business rankings and market positions are internal. Other than as required by applicable law, the Company does not undertake any obligation to update or revise any forward-looking information or statements, opinion, projection, forecast or estimate set forth herein. More detailed information on the potential risks that could affect theCompany’s financial results can be found in the 2025 Universal Registration Document filed with the French financial markets authority (Autorité des marchés financiers). Investors are advised to take into account factors of uncertainty and risk likely to impact the operations of the Company when considering the information contained in such forward-looking statements. To the maximum extent permitted by law, none of the Company or any of its affiliates, directors, officers, advisors and employees shall bear any liability (in negligence or otherwise) for any direct or indirect loss or damage which may be suffered by any recipient through use or reliance on anything contained in or omitted from this document and the related presentation or any other information or material arising from any use of these presentation materials or their contents or otherwise arising in connection with these materials. The financial information presented for quarter ending 30 September 2026 was reviewed by the Board of Directors on 28 October 2026 and has been prepared in accordance with IFRS as adopted in the European Union and applicable at this date. By receiving this document and/or attending the presentation, you will be deemed to have represented, warranted and undertaken to have read and understood the above notice and to comply with its contents. Disclaimer
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3 1 Highlights Contents 2 Q3 2026 financial results Appendix 3
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1 Highlights
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5 1. Leasing and Services margins excluding non - recurring items, annualized and expressed as a percentage of average earning assets 2. UCS (Used car sales) result including impacts of depreciation adjustments 3. UCS excluding impacts of depreciation adjustments 4. Excluding net UCS result and non - recurring items Income statement Financial performance 12.8% CET 1 ratio at 30 September 2026 Margins (1) 620bps 593 bps Net UCS result per unit (2) Gross UCS result per unit (3) EUR - 169 EUR 118 EUR 536 EUR 1,110 Underlying C/I ratio (4) 49.2% 52.8% Net income group share ROTE EUR 240m 13.2% EUR 273m 14.3% Strong capital position EUR 550m class A notes Q3 2026 Q3 2025 Bumper BE GREEN 2026 - 1, first European Auto ABS transaction backed entirely by BEVs Funding c. 50% of 2026 SBB program executed as at 28 October 2026 Share buyback
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6 On track to achieve 2026 targets 1. Used car sales result and depreciation adjustments 2. Diluted EPS. 9M 2025 EPS restated to exclude impacts of warrants as not exercised In EUR m 9M 2026 9M 2025 Change Leasing & services margins 2,280 2,197 3.8% Net UCS result (1) 29 328 - 91.1% Gross operating income 2,310 2,525 - 8.5% Operating Expenses (1,239) (1,349) - 8.1% Cost of risk (66) (85) - 22.4% Other income/expense 5 (4) n/a Result from equity method 2 5 - 54.3% Profit before tax 1,011 1,091 - 7.3% Income tax (256) (324) - 21.0% Non - controlling interests (1) (3) n/a Net income group share 754 764 - 1.2% ROTE 13.6% 13.4% +0.2p.p EPS in EUR (2) 0.90 0.87 +3.4% 9M 2026 income statement Robust financial performance Strong d ecline in net UCS result, reflecting the deteriorating macro trends Costs down 8 . 1 % through synergies, disciplined cost management and lower CTA Resilient net income and distribution to shareholders supporting growing ROTE and EPS Improving margins -
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77 Earning assets Deliveries by powertrain (1) Total fleet (1)(2) Fleet and earning assets 52.6 52.6 52.8 Sept.25 Jun.26 Sept.26 in EUR bn 1. Management information 2. Sept.25 total fleet restated to exclude UAE, classified as held - for - sale in Q4 2025 28% 31% 30% 11% 12% 10% 26% 28% 31% 32% 26% 26% 3% 3% 3% Q3 2025 Q2 2026 Q3 2026 Passenger cars and LCVs BEV PHEV Hybrids ICE Others 2,539 2,475 2,470 654 579 574 3,193 3,054 3,044 Sept.25 Jun.26 Sept.26 in ‘000 vehicles Funded fleet Fleet management
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2 Q3 financial results
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(5) (2) (18) (38) (56) 782 749 775 800 817 776 747 757 762 761 (50) 50 150 250 350 450 550 650 750 850 950 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Leasing & Services margins Non - recurring items Underlying Leasing & Services margins Revenues impacted by lower net UCS result 9 75 83 59 (8) (21) 776 747 757 762 761 851 830 816 754 739 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Net UCS result Gross Operating Income Leasing & Services margins 75 83 59 (8) (21) Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Gross Operating Income Leasing & Services Margins Net UCS Result in EUR m in EUR m in EUR m
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782 749 775 800 817 - 5 - 2 - 18 - 38 - 56 776 747 757 762 761 - 100 200 300 400 500 600 700 800 900 (50) 50 150 250 350 450 550 650 750 850 950 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Underlying Leasing & Services margins Non-recurring items 10 Margins in bps 593 620 Leasing & Services margins 1. Management information 2. Hyperinflation accounting in Turkey restates non - monetary assets and liabilities using CPI, with earning assets adjusted for an impairment where restated vehicle values exceed expected recoverable amounts reflecting the divergence between CPI and automotive price indices in Turkey. In Q3 2026, the Turkish government materially r evi sed its inflation outlook, which further widened the gap between CPI and the automotive price index. 567 Margins in EUR m in EUR million Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Non - recurring impacts from treasury activities 4 - 17 6 4 6 Hyperinflation in Turkey (2) - 7 - 28 - 19 - 38 - 58 Impact of PPA - 3 - 5 - 5 - 5 - 5 Agreement with the Lincoln consortium - 4 7 - - - Total non - recurring items - 5 - 2 - 18 - 38 - 56 (1) 587 Continued strong margins delivery 609 Marked hyperinflation in Turkey in Q 3 2026 9 M 2026 margins at 603 bps vs . 569 bps in 9 M 2025 Underlying margins up 4 . 6 % vs . Q 3 2025 -
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1,110 702 470 326 118 536 589 403 (62) (169) Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Gross UCS result p.u. Net UCS result p.u. 11 1. Management information 2. Gross UCS result – underlying used car sales result, excluding depreciation adjustments 3. Net UCS result – used car sales result including depreciation adjustments 155 99 69 42 15 75 83 59 (8) (21) Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Gross UCS result Net UCS result Depreciation adjustments (16) in ‘000 units Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Used cars sold (1) 140 141 146 129 127 (80) (3) Macro context weighing on UCS result UCS result per unit in EUR (1) UCS result in EUR m (1) (2) (50) (36)
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12 1. Management information Strong positive jaws driving decrease in C/I ratio 412 420 418 403 402 23 - - 17 34 4 7 5 429 477 422 410 407 - 100 200 300 400 500 600 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Underlying operating expenses One off impairment of IT assets Costs to achieve 52.8% 54.0% 49.2% 50.3% 56.2% (1) Underlying C/I ratio Operating expenses in EUR m in EUR million Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Costs to achieve (1) 17 34 4 7 5 Impairment of IT assets - 23 - - - Total non - recurring items 17 57 4 7 5 C/I ratio is down 7 . 3 p . p . vs . Q 2 2025 Costs down - 8 . 3 % vs . Q 2 2025 and - 4 . 4 % on an underlying basis Operating expenses down 5 . 1 % vs . Q 3 2025 9 M 2026 underlying C/I ratio at 51 . 1 % , down 5 p . p . vs . 9 M 2025
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13 1. Annualized cost of risk, as a percentage of average earning assets 27 28 26 16 25 21 21 19 12 19 (100) (90) (80) (70) (60) (50) (40) (30) (20) (10) - 10 20 30 - 5 10 15 20 25 30 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Cost of risk in EUR m Cost of Risk in bps 273 232 266 248 240 14.3% 12.3% 13.9% 13.4% 13.2% -0.020 - 0.020 0.040 0.060 0.080 0.100 0.120 0.140 160 180 200 220 240 260 280 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Net income group share in EUR m Net income group share ROTE 390 318 365 340 306 29.7% 26.9% 27.0% 27.0% 21.5% -0.500 -0.400 -0.300 -0.200 -0.100 - 0.100 0.200 0.300 - 50 100 150 200 250 300 350 400 450 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Profit before tax in EUR m Profit before tax Effective tax rate (1) ROTE in line with guidance
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14 RWA evolution and CET 1 ratio 1. Mainly including non - transactional RWAs such as inventory, prepayments and other receivables 2. Net of distribution provision incl. AT1 coupon RWA evolution (in EUR bn) +44 bps - 19 bps - 14 bps Q3 26 +22 bps H1 26 +62 bps +84 bps - 137 bps 13.2% 12.8% 0.2 53.2 53.4 30 - Jun - 26 Earning assets 30 - Sept - 26 CET 1 ratio
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3 Appendix
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Breakdown of depreciation adjustments 16 1. Based on H 1 2026 fleet revaluation 2. EUR 14 million of reversals mainly relating to the vehicles sold in Turkey and representing release of the impairment previously booked in the context of hyperinflation P&L: Breakdown of depreciation adjustments in UCS in EUR million Q3 2026 Q3 2025 New prospective depreciation for running fleet (1) (35) (48) Reversal of prospective depreciation for vehicles sold (16) (38) Net prospective depreciation (50) (87) Other reversals/impairments (2) 14 6 Depreciation adjustments (36) (80) in EUR million Prospective depreciation 30.06.2026 (12) Net charge to Q3 2026 P&L (50) FX impact 1 Prospective depreciation 30.09.2026 (61) Balance sheet: Prospective depreciation stock 121 82 53 - 12 - 61 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Prospective depreciation stock evolution in EUR m
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17 Enhancing performance readability 9M 2026 9M 2026 Underlying C/I Ratio C/I Ratio excl. hyperinflation Reported margins 2,280 2,280 Non - recurring impacts from treasury activities 16 - Hyperinflation in Turkey (114) (114) Impact of PPA (14) - Underlying margins 2,392 2,395 Reported operating expenses (1,239) (1,239) CTA (16) - Underlying operating expenses (1,223) (1,239) C/I Ratio 51.1% 51.8% Reconciliation between underlying C/I ratio and C/I ratio excluding hyperinflation
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18 Balance sheet as at 30 September 2026 in EUR million 30 September 2026 30 June 2026 Earning assets 52,759 52,626 o/w Rental fleet 50,988 50,873 o/w Finance lease receivables 1,771 1,753 Cash & Cash deposits with central banks 1,863 1,915 Intangibles (incl. goodwill) 2,727 2,730 Operating lease receivables and other receivables 9,530 9,507 Other 4,395 4,457 Total assets 71,274 71,235 Group shareholders' equity 11,009 11,115 o/w Group shareholders’ equity excl. AT1 10,259 10,365 o/w AT1 750 750 Tangible shareholders’ equity 7,513 7,635 Non - controlling interests 24 25 Total equity 11,033 11,141 Deposits 15,025 14,973 Financial debt 35,711 36,003 Trade and other payables 6,283 5,877 Other liabilities 3,222 3,242 Total liabilities and equity 71,274 71,235 31 December 2025 53,045 51,168 1,877 2,045 2,737 8,394 4,692 70,913 11,011 10,261 750 7,487 29 11,040 14,308 36,379 5,861 3,324 70,913
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19 Q3 2026 financial results in EUR million Q3 2026 Q3 2025 Var. Var. % Q3 2026 Q3 2026 vs. Q3 2025 vs. Q3 2025 Total contracts ('000) (1) 3,044 3,193 (149) - 4.7% Full service leasing contracts 2,470 2,539 (69) - 2.7% Fleet management contracts 574 654 (80) - 12.3% Leasing margin 328.5 345.8 (17.2) - 5.0% Services margin 432.3 430.4 1.9 0.4% Leasing & Services margins 760.8 776.2 (15.3) - 2.0% Used car sales (UCS) result 14.9 154.9 (140.0) - 90.4% Depreciation adjustments (36.3) (80.2) (43.8) - 54.7% UCS result and Depreciation adjustments (21.4) 74.8 (96.2) n.a. Gross Operating Income 739.4 851.0 (111.6) - 13.1% Total operating expenses (407.2) (429.2) 22.0 - 5.1% Cost of risk (24.5) (27.5) 2.9 - 10.6% Other income/(expense) (1.7) (6.3) 4.5 X2.7. Operating result 306.0 388.0 (82.1) - 21.1% Net result from equity method 0.4 1.5 (1.0) - 70.5% Profit before tax 306.4 389.5 (83.1) - 21.3% Income tax expense (65.8) (115.8) 49.9 - 43.1% Non - controlling interests (0.5) (1.1) 0.6 - 56.9% Net Income group share 240.1 272.7 (32.6) - 11.9% 1. Q3 2025 total fleet restated to exclude UAE, classified as held - for - sale in Q4 2025
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Earnings per share (EPS) 20 Basic EPS 9M 2026 9M 2025 Existing shares 783,862,091 816,960,428 Shares allocated to cover stock options and shares awarded to staff (218,239) (484,981) Other own shares and treasury shares (12,797,902) (130,929) End of period number of shares 770,845,950 816,344,518 Weighted average number of shares used for EPS calculation (A) 777,012,554 816,152,996 in EUR million Net income group share 754.3 763.9 Deduction of interest on AT1 capital (51.3) (54.2) Net income group share after deduction of interest on AT1 capital (B) 703.1 709.7 Basic EPS (in EUR) (B/A) 0.90 0.87 Diluted EPS 9M 20 9M 2026 9M 2025 (1) Existing shares 783,862,091 816,960,428 Weighted average number of shares used for EPS calculation (A’) 783,862,091 816,960,428 Diluted EPS (in EUR) (B/A’) 0.90 0.87 1 . 9 months 2025 restated to exclude impact of warrants as not exercised.
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Return on tangible equity (ROTE) 21 1. Assuming dividend payout ratio of 50% of adjusted net income group share, and remaining share buyback and tax related impa cts in EUR million Q3 2026 Q3 2025 9M 2026 9M 2025 Equity base for ROE BoP 9,384.3 10,196.9 9,765.7 10,053.4 Group shareholders' equity 11,008.8 11,458.5 11,008.8 11,458.5 AT1 Capital (750.0) (750.0) (750.0) (750.0) Interest on AT1 capital (18.4) (18.1) (18.4) (18.1) Distribution provision (1) (695.8) (1,073.5) (695.8) (1,073.5) OCI excluding conversion reserves (49.4) 8.2 (49.4) 8.2 Equity base for ROE EoP 9,495.2 9,625.1 9,495.2 9,625.1 Goodwill BoP 2,127.5 2,128.3 2,127.5 2,128.3 Goodwill EoP 2,127.5 2,128.3 2,127.5 2,128.3 Intangible assets BoP 602.6 652.6 609.2 662.9 Intangible assets EoP 599.6 640.2 599.6 640.2 Average equity base for ROE calculation 9,439.8 9,911.0 9,630.5 9,839.3 Average Goodwill 2,127.5 2,128.3 2,127.5 2,128.3 Average Intangible assets 601.1 654.7 604.4 651.6 Average tangible equity for ROTE calculation 6,711.2 7,128.1 6,898.6 7,059.5 Group net income after non - controlling interests 240.1 272.7 754.3 763.9 Interest on AT1 capital (18.4) (17.8) (51.3) (54.2) Adjusted Group net income 221.7 254.8 703.1 709.7 ROTE 13.2% 14.3% 13.6% 13.4%
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Tangible book value per share 22 in EUR million 30 September 2026 31 December 2025 Group shareholders' equity 11,008.8 11,010.6 AT1 capital (750.0) (750.0) Interest on AT1 capital (18.4) (37.2) Net Asset Value (NAV) 10,240.4 10,223.5 Goodwill (2,127.5) (2,127.5) Intangible assets (599.6) (609.2) Net Tangible Asset Value (NTAV) 7,513.4 7,486.8 Distribution provision (695.8) (462.5) NTAV after dividend provision (1) 6,817.6 7,024.3 Number of shares (2) 770,845,950 783,179,157 NAV per share 13.28 13.05 NTAV per share 9.75 9.56 NTAV per share after distribution provision 8.84 8.97 1. Assuming dividend payout ratio of 50% of adjusted net income group share, and remaining share buyback and tax related impacts 2. The number of shares considered is the number of ordinary shares outstanding at end of period, excluding treasury shares
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CRR3/CRD6 prudential capital ratios and RWA 23 1. Assuming dividend payout ratio of 50% of adjusted net income group share, and remaining share buyback and tax related impacts in EUR million 30 September 2026 30 June 2026 31 March 2026 31 December 2025 Group shareholders’ equity 11,009 11,115 11,380 11,011 AT1 capital (750) (750) (750) (750) Distribution provision (1) & interest on AT1 capital (714) (964) (642) (500) Goodwill and intangible assets (2,727) (2,730) (2,728) (2,737) Deductions and regulatory adjustments 6 51 32 75 Common Equity Tier 1 capital 6,824 6,722 7,293 7,099 AT1 capital 750 750 750 750 Tier 1 capital 7,574 7,472 8,043 7,849 Tier 2 capital 1,500 1,500 1,500 1,500 Total capital (Tier 1 + Tier 2) 9,074 8,972 9,543 9,349 Risk - Weighted Assets 53,363 53,175 52,583 53,745 Credit Risk Weighted Assets 49,409 49,230 48,664 49,889 Market Risk Weighted Assets 935 926 970 915 Operational Risk Weighted Assets 3,019 3,019 2,949 2,942 Common Equity Tier 1 ratio 12.8% 12.6% 13.9% 13.2% Tier 1 ratio 14.2% 14.1% 15.3% 14.6% Total Capital ratio 17.0% 16.9% 18.1% 17.4%
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24 in EUR million Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Leasing margin 231.7 297.7 265.1 307.7 345.8 345.2 350.3 341.9 328.5 Services margin 414.8 377.5 443.3 404.4 430.4 402.1 407.0 420.3 432.3 Leasing and Services margins 646.5 675.2 708.4 712.1 776.2 747.3 757.3 762.2 760.8 Used Car Sales (UCS) result 222.3 199.6 193.4 180.9 154.9 98.9 68.5 41.9 14.9 Depreciation adjustments (145.2) (162.0) (82.7) (38.4) (80.2) (16.0) (9.8) (49.9) (36.3) UCS result and Depreciation adjustments 77.2 37.7 110.6 142.5 74.8 82.9 58.7 (8.0) (21.4) Gross operating income 723.7 712.9 819.0 854.7 851.0 830.3 816.1 754.2 739.4 Total operating expenses (459.9) (474.6) (472.8) (446.8) (429.2) (477.2) (422.4) (409.8) (407.2) Impairment charges on receivables (28.8) (36.1) (30.7) (27.2) (27.5) (27.5) (25.5) (16.2) (24.5) Other income/(expense) (7.3) (2.7) (1.0) 3.2 (6.3) (8.6) (4.3) 10.9 (1.7) Net result from equity method 2.0 4.4 1.6 1.7 1.5 1.5 1.1 0.6 0.4 Profit before tax 229.7 203.9 316.0 385.6 389.5 318.4 365.0 339.7 306.4 Income tax expense (81.6) (42.7) (94.9) (113.7) (115.8) (85.6) (98.6) (91.7) (65.8) Non - controlling interests (1.4) (1.6) (1.2) (0.6) (1.1) (1.0) (0) (0.3) (0.5) Net income group share 146.7 159.7 219.9 271.3 272.7 231.9 266.5 247.7 240.1 in '000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Total Contracts (1) 3,332 3,281 3,239 3,204 3,193 3,175 3,077 3,054 3,044 Full service leasing contracts 2,653 2,609 2,578 2,557 2,539 2,525 2,494 2,475 2,470 Fleet management contracts 680 672 662 648 654 650 583 579 574 Quarterly series 1. Q4 2024 to Q3 2025 total fleet restated to exclude UAE, classified as held - for - sale in Q4 2025
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Yearly series 25 in EUR million 2017 2018 2019 2020 2021 2022 2023 2024 2025 Leasing margin 558.1 613.1 643.7 643.4 683.0 758.8 775.5 1,070.7 1,263.7 Services margin 593.0 616.7 632.3 652.0 650.0 715.1 1,250.9 1,626.5 1,680.3 Leasing and Services margins 1,151.1 1,229.8 1,276.0 1,295.4 1,333.0 1,473.9 2,026.4 2,697.2 2,944.0 Used Car Sales (UCS) result 165.3 102.5 75.0 61.1 437.7 747.6 1,078.5 907.9 628.1 Depreciation adjustments 16.4 10.7 20.4 (39.0) 49.8 422.4 (195.4) (590.9) (217.3) UCS result and Depreciation adjustments 181.7 113.2 95.4 22.1 487.5 1,170.0 883.1 317.1 410.9 Gross operating income 1,332.8 1,343.0 1,371.4 1,317.5 1,820.6 2,643.9 2,909.5 3,014.3 3,354.9 Total operating expenses (598.0) (617.6) (635.0) (633.7) (675.1) (882.7) (1,591.6) (1,899.3) (1,826.1) Impairment charges on receivables (22.4) (37.8) (45.0) (71.1) (24.8) (46.1) (70.7) (128.5) (112.8) Other income/(expense) - - - - - (50.6) (28.7) (2.2) (12.6) Net result from equity method 1.2 1.5 1.8 1.9 (1.9) 1.7 6.4 10.1 6.3 Profit before tax 713.6 689.1 693.2 614.6 1,118.7 1,666.1 1,224.9 994.3 1,409.6 Income tax expense (140.4) (126.8) (122.2) (108.9) (238.6) (446.0) (359.3) (284.2) (410.0) Result from discontinued operations - - - 10.0 - - (77.6) - - Non - controlling interests (5.6) (6.6) (6.8) (5.8) (7.1) (4.7) (27.9) (26.6) (3.8) Net income group share 567.6 555.7 564.2 509.8 873.0 1,215.5 760.1 683.6 995.8 in '000 2017 2018 2019 2020 2021 2022 2023 2024 (1) 2025 Total contracts 1,511 1,663 1,765 1,758 1,726 1,806 3,420 3,281 3,175 Full service leasing contracts 1,179 1,299 1,389 1,372 1,427 1,464 2,709 2,609 2,525 Fleet management contracts 332 365 376 386 299 342 710 672 650 1. 2024 total fleet restated to exclude UAE, classified as held - for - sale in Q4 2025
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Glossary 26 BEV Battery Electric Vehicles Earning assets Net carrying amount of the rental fleet plus net receivables from finance leases EV Electric Vehicles ICE Internal Combustion Engine: Petrol and Diesel Hybrids Mild and full hybrid vehicles Other powertrains LPG, Gas and CNG, Bi - Fuel and Flex Fuel PHEV Plug - in Hybrid Electric Vehicles
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A gencies Score Position versus peers Best Worst A B B - C C - D D - Platinum medal Top 1% Carbon management level: Leader 8 5 100 90 45 0 Leader in the Road & Rail Transport sector AAA AA A BBB BB B CCC C+ - Rated “Prime” on sustainability performance B D C Negligible risk Industry (transportation) ranking : 2nd 30 20 10 0 Negligible Low High Severe 40 80+ Medium9.3 ESG ratings: recognition of Ayvens ESG performance 27 A 25 Near - term and Net - Zero CO 2 emissions targets were validated by SBTi in March 2026. Supplier Engagement Score (SEA): B 65 Top 1% Top 5% Top 15% Top 35% Outstanding Advanced Partial InsufficientGood
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Agenda 1 2 Q4 and FY 2026 results 4 February 2027 Q1 2027 results 4 May 2027