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● CrediaBank CrediaBank H1 2026 Financial Results Presentation 6 August 2026 CrediaBank CrediaBank Η τράπεζα του 15
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 1 1 Contents 1. Executive summary Pg.2 2. H1 2026 financial performance Pg.9 3. Transformation program Pg.22 Annex Pg.26
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 1. Executive Summary
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 3 3 H1 2026 results: Strong performance in line with our strategy and targets Executive summary Η1 2026 results Transformation program Market Share Net interest income Net fee income Recurring PPI €98.2mln (+26% YoY) €22.7mln (+34% YoY) €53.6mln (+45% YoY) Gross loans SME loans Deposits Total active customers €5.3bn (+39% YoY) €1.4bn (37% of new disbursements) €7.6bn (+16% YoY) `~350k 66 Branches 1,223 Employees NPE ratio 2.4% Loans & depos 3.8% and 3.3% respectively NPE Coverage 57.1% (+930bps YoY) Reported PAT €23mln (+368% YoY) Gross Loans (€m) Client Assets(€m) New Disbursements (%) Loan Book Breakdown CET1 ratio 15.5% ; 16.7% pro- forma for Evropi Holdings CAD ratio 20.8% ; 21.8% pro- forma for Evropi Holdings Notes: 1. As per published financial statements, all quarters adjusted for PPA reclassification to interest expense and depreciation. 2. CET1 including period profits 3. Gross Loans exclude S/N of securitized portfolios. Large Corporate 24% SME 37% Structured Finance 24% Shipping 8% SBL 4% Mortgage 2% Other 1% 6,556 7,572 810 857 7,365 8,429 H1 2025 Η1 2026 Deposits AuM +14% Large Corporate 28% SME 27% Structured Finance 25% Shipping 7% Mortgage 8% Consumer 1% SB 4% 3,820 5,308 H1 2025 H1 2026 +39% €31.3mln (+45% YoY) Recurring PAT Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 4 4 vs. 7.5bn credit net flows for the market1 Major earnings quality improvements Core revenues +27% YoY Cost/Income ratio down by 770 bps YoY 145% LCR c.40bps Underlying CoR €2.0bn Disbursements €53.6m Recurring PPI €7.6bn Deposits 2.4% Gross NPE ratio €0.8bn Net credit expansion €98.2m Net interestincome Net Fee Income +34% YoY Branch transformation to “New Experience Branch” >40% by year end 70% Loan-to-deposit ratio c.57% NPE coverage 15.5% CET1 ratio 16.7% Evropi Pro-forma Resilient liquidity Sound asset quality Major profitability improvement Operational improvements Robust capital position Substantial loan growth €300m Share Capital Increase H1 2026: Delivering across all performance indicators … +45% YoY growth (both) +26% YoY growth +12% YtD vs. 5% market1 Book ~4x oversubscribed Executive summary Η1 2026 results Transformation program Source: Bank of Greece. Notes: 1. Private sector. Digital transformation underway 20.8% Total capital ratio 21.8% Evropi Pro-forma 11% market share €31.3m Recurring PAT No DTC Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 5 5 … with accelerating growth and sustainable recurring profitability… Ongoing balance sheet re-levering Margin increases further Solid recurring PPI growth (€m) Improving operating leverage +66% Executive summary Η1 2026 results Transformation program Notes: 1. Gross Loans exclude senior notes. 2. NIM Q2-Q4 2025 adjusted for the acquisition of a performing mortgage portfolio (project Galene) that was concluded in Q4 2025. Previously the impact of 7 months interest was accounted for in Q4 2025 alone. 3. Operating costs include costs associated with the Malta acquisition prior to consolidation 17.8 19.1 22.5 24.1 29.5 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 68.0% 64.1% 63.2% 60.7% 57.3% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Recurring Cost/Income 2.11% 2.01% 2.04% 2.05% 2.24% 2.24% 2.12% 2.19% 2.20% 2.27% Q22025 Q32025 Q42025 Q12026 Q22026 3m Euribor NIM 48% 51% 53% 58% 55% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Gross Loans % of Total assets Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 6 6 Deposits (€m) Core Deposits (€m) Loans (€m) CET1 ratio +490 bps Source: Bank of Greece. Notes: 1. Private sector. … on the back of re-levering and a robust capital position Executive summary Η1 2026 results Transformation program 6,556 7,572 H1 2025 Η1 2026 +16% 3,246 3,513 H1 2025 Η1 2026 +8% 3,820 5,308 H1 2025 H1 2026 +39% 10.4% 15.5% H1 2025 H1 2026 16.7% proforma for Evropi Holdings Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 7 7 H1 2026 HSBC Malta Update Executive summary Η1 2026 results Transformation program Annex H1 2026 demonstrated HSBC Malta’s resilient franchise value and its key positive characteristics: Robust Capital position, am ple liquidity, strong asset quality and profitability that can be scaled further. Recurring PBT at €51.7m vs €58.7m in 1H 2025, negatively affected from the lower interest rate environment and weaker non-core & other revenues. Provision reversals, on the back of further asset quality improvements, partly offset weaker revenues. Net Loans at €2.7bn just €67m lower YtD, with NPEs down 6% at record low levels (2.3%). Customer deposits at €6.2bn flat YoY, with ample liquidly (Loans to deposit ratio at just 43%) Capital ratios remained strong, well above regulatory thresholds, with CET1 ratio at 24.7% (+60bps YtD) and Total Capital rat io at 27.8% (+70bps YtD) CrediaBank has agreed to acquire the 70% stake at a fixed price of €200m, therefore current estimated badwill stands at 238m without including the positive PPA €2.7bn Net loans and advances to customers €51.7m Recurring Profit before tax €6.2bn Customer deposits >€1.0bn Assets under management Source: Company information. 27.8% Total Capital Ratio 24.7% CET1 Ratio 43% Net Loans to deposit ratio 2.3% NPE ratio
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 8 8 Malta consolidation impact Balance Sheet KPIs & Ratios Recurring P&L(3) H1 2026 (€bn for BS figures, €m for P&L figures) c.2x Pro forma combined view Total assets(6)(€bn), H1 2026 Subject to regulatory approvals and completion of the transaction Metrics reflect 100% of HSBC Malta, as of H1 2 026. Excluding senior notes. Excludes offshore employees. 5. 6. Pro forma total assets calculated as the addition of total assets minus the cash consideration of c.€0.2bn for the acquisition of the 70% of HSBC Malta. Badwill calculation as of H1 2026 results As of 2025 (2) Company disclosuresSource: Notes: 1. 2. 3. 4. Pro forma CrediaBank Group H1 2026 Pro forma TBV view 6 H1 2026 TBV Evropi Badwill H1 2026 TBV Pro-forma Executive summary Η1 2026 results Transformation program Annex 9.6 7.9 17.3 911 63 238 1,215 Net customer loans 5.23 2.7 7.9 Customer deposits 7.6 6.2 13.8 Assets 9.6 7.9 17.3(5) Operating income 130 104 234 Operating expenses (77) (59) (135) Pre-provisionincome 54 38 92 Profit before tax 40 52 92 NIM (on average assets) (%) 2.2% 2.1% Cost-to-income ratio (%) 59% 56% Net Loan-to-depositratio(2,3) (%) 69% 43% NPE ratio (%) 2.4% 2.3% NPE coverage ratio (%) 57% 43% Employees(4) (FTE) (#) 1,223 9237 7
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 9 9 The implementation of our strategy is underway… CrediaBank Group’s strategic pillars CHALLENGE THE GREEK BANKING MARKET SUPERCHARGE MALTA DIGITAL TRANSFORMATION AND SYNERGY REALISATION VALUE CREATION THROUGH TARGETED M&A STRONG GROWTH DIVERSIFIED REVENUE STREAMS CAPITAL GENERATION PROVEN TRACK RECORD ON M&A EXECUTION 1 2 3 4 Executive summary Η1 2026 results Transformation program H1 2026 Key Financials •Resilient loans and deposits at €2.7bn and €6.2bn respectively •Ample liquidity, with loans to deposit ratio at just 43% •Robust Capital, with CET1 at 24.7% and TCR at 27.8% •NPE ratio at 2.3% Grew loans and deposits ~4x and ~2x above mkt growth rates respectively1 Program launched, first deliveries expected in 4Q26, Cost-to-Income ratio improves by 770bps YoY SPA signed for acquisition of 70% Pantelakis Securities, expanding into brokerage Acquisition of Evropi Holding entering the P&C market Transactions to add c. 45 mln EBT by 2028 Execution so far 1. CrediaBank YoY loan growth at 39% vs 11% for the market and deposit growth at 16% vs 9% for the market Expected closing: HSBC Malta: Q2 2027 Pantelakis Securities: Q4 2026 Evropi Holdings: Q4 2026 BALANCE SHEET OPTIMISATION Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 2. Η1 2026 Financial Performance Analysis
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 11 11 Summary P&L1 | Recurring PPI at €53.6m, 45% up YoY H1 2026 Recurring PPI at €53.6m, up by 45% YoY, setting a new record indicating growth sustainability: − H1 2026 Core PPI increased by 107% YoY, illustrating the major quality improvement in earnings. H1 2026 profitability growth was a result of the strong net credit expansion driving both NII (+26% YoY) and NF&CI (+34% YoY): − NII primarily supported by robust credit growth, alongside higher trading volumes, slightly aided by the increasing rates environment. − Non-core income normalized to sustainable levels, in the absence of one-offs. Non-core revenues declined by 40% YoY (+71% QoQ) as Q1 2025 was inflated from an extraordinary revenue of €5m. Opex at €76.7m increased by 4% YoY increase driven from higher volumes and incremental costs associated with the acquisition of the Maltese Bank of ~ € 3 mln H1 2026 recurring cost-to-income ratio reached an all- time low of 58.9%, despite Malta extra costs, improving by 770bps YoY: − Driven by strong operating income growth Q2 2026 cost-to-income even lower at 57.3% Amounts in €m Q2 2025 Q1 2026 Q2 2026 QoQ % H1 2026 H1 2025 YoY % Net interest income 41.4 46.8 51.4 10% 98.2 78.1 26% Net fee & commission income 9.9 11.0 11.8 7% 22.7 17.0 34% Non-core income 4.4 3.5 5.9 71% 9.4 15.6 -40% Total Recurring Operating Income 55.8 61.2 69.1 13% 130.3 110.6 18% Total Recurring Operating Expenses -37.9 -37.1 -39.6 7% -76.7 -73.7 4% Recurring Pre Provision Income 17.8 24.1 29.5 23% 53.6 36.9 45% Recurring Core Pre Provision Income 13.4 20.6 23.6 14% 44.2 21.4 107% Reported PPI 11.9 19.3 21.7 13% 41.0 17.8 130% Profit before tax 7.4 11.9 15.6 31% 27.5 8.5 224% Recurring Profit before tax 13.3 16.7 23.4 40% 40.1 27.6 45% Recurring Profit after tax 10.4 13.0 18.2 40% 31.3 21.6 45% Reported Profit after tax 4.8 7.8 15.2 94% 23.0 4.9 368% Key P&L ratios Q2 2025 Q1 2026 Q2 2026 QoQ % H1 2026 H1 2025 YoY % NIM (over average assets)2 2.2% 2.2% 2.3% 7 bps 2.2% 2.0% +16bps Recurring Cost to income ratio 68.0% 60.7% 57.3% -3.4 pps 58.9% 66.6% -7.7pps Notes: 1. As per published financial statements, all quarters adjusted for PPA reclassification to interest expense and depreciation. 2. Q2 2025 to Q4 2025 NIM adjusted for the acquisition of a performing mortgage portfolio (project Galene) that was concluded in Q4 2025. Previously the impact of 7 months interest was accounted for in Q4 2025 alone. Executive summary Η1 2026 results Transformation program H1 2026 Profit after Tax at €23m,~ 4x higher YoY on robust core income growth and Recurring Profit after tax at €31.3m +45% YoY . Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 12 12 Net interest income evolution (€m) Net fee & commission income evolution (€m) Recurring OpEx evolution (€m) PPI evolution (€m) Notes: 1. As per published financial statements, all quarters adjusted for PPA reclassification to interest expense and depreciation. 2. . Operating costs include costs associated with the Malta acquisition prior to consolidation 3. Q2 2025 to Q4 2025 NIM adjusted for the acquisition of a performing mortgage portfolio (project Galene) that was concluded in Q4 2025. Previously the impact of 7 months interest was accounted for in Q4 2025 alone. Recurring PPI: +66% YoY +23% QoQ Core PPI: +75% ΥoΥ +14% QoQ Sustained improvement across core operating lines Recurring PPI Core PPI Executive summary Η1 2026 results Transformation program +19%+24% 9.9 9.3 10.9 11.0 11.8 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 41.4 41.8 47.5 46.8 51.4 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 37.9 34.1 38.7 37.1 39.6 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 17.8 19.1 22.5 24.1 29.5 13.4 17.0 19.8 20.6 23.6 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 13 13 Excess liquidity creates opportunities to boost net interest income and support future growth Resilient liquidity profile with LCR 145% and LDR 70% Customer deposits are the main source of funding, representing 79% of liabilities and equity Fixed income portfolio comprises 17% of assets Retail loan book: 13% ; wholesale & other: 87% Retail deposits represent 57% of total deposits Net loans amounted to c.€6.2bn, o/w c. €1bn relates to the senior note of the securitizations Customer loans comprise 65% of assets 9,572 9,572 Robust and under-levered balance sheet with resilient liquidity Group balance sheet (€m) Executive summary Η1 2026 results Transformation program 6,220 1,653 222 373 350 753 Cash PPE & Intangible Other DTA Securities Net Loans 4,059 3,513 338160 224 1,278Total Equity Tier II Bonds Other Interbank Funding Core Deposits Time Deposits Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 14 14 Record disbursements of €2bn leading to €0.8bn net credit expansion Net credit expansion (€m) Η1 2026 €0.8bn net credit expansion New disbursements (€m) H1 2026 €2.0bn new disbursements Executive summary Η1 2026 results Transformation program 302 112 343 153 326 377 308 333 340 410 147 251 144 349 12740 92 46 59 98 5 3 3 2 56 52 76 59 78922 819 946 964 1,041 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Large Corporate SME Structured Finance Shipping Other Retail 309 306 257 459 383 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 15 15 Committed partner to Greek corporates and SMEs Loan book evolution1,2 (€m) Wholesale loans breakdown Gross loans per sector Retail loans breakdown Notes: 1. Excluding Senior & Mezzanine notes of securitisations. 2. Wholesale loans include “Public sector” and “Net investment in finance lease. % Mortgage 61% Consumer 8% SB 28% Credit Cards 3% Q2’26 No CHF loans Executive summary Η1 2026 results Transformation program Large Corporate 32% SME 31% Structured Finance 29% Shipping 8% Q2’26 Q2’26 670 698 4,262 4,610 4,932 5,308 Q1 2026 Q2 2026Retail Wholesale +8% Annex Manufacturing 14% Energy 21% Construction 15%Trade 12% Transport 9% Hospitality 8% Financial and insurance activities 9% Real estate 5% Other 7%
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 16 16 Diversified deposit mix with a steadily increasing market share Deposits per customer type (€m) AuM (€m) Deposit mix evolution Group deposits stand at c. €7.6 bn, up by 16% YoY vs market growth of 9.3% YoY. The deposit mix remained rather stable on a quarterly basis with core deposits representing 46% of the total in H1 2026 from 47% in Q1 2026. − Retail deposits represent 57% of total deposits. Mutual funds AuM increased by 21% YoY with total AuM up by 6% YoY. Executive summary Η1 2026 results Transformation program Notes: 1. MIS Data 483 521 532 540 582 327 319 300 263 275 810 840 832 803 857 H1 2025 9M 2025 FY 2025 Q1 2026 Η1 2026 Mutual Funds Bonds & T-bills +21% YoY 1,889 2,023 2,064 2,101 2,585 4,056 4,083 4,138 4,176 4,321 610 556 556 535 6666,556 6,662 6,757 6,813 7,572 H1 2025 9M 2025 FY 2025 Q1 2026 H1 2026 Business Individuals Public Sector 50% 47% 47% 47% 46% 50% 53% 53% 53% 54% H1 2025 9M 2025 FY 2025 Q1 2026 H1 2026 Core Time Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 17 17 Increasing NIM on balance sheet re-leveraging Loan yields1 Deposit costs Notes: 1. MIS data, loan yields including contribution of law 128/75 where applicable. 2. ΝΙΜ adjusted for portfolio Galene calendarization (Q2–Q4 2025). Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 3M Euribor 2.11 2.01 2.04 2.05 2.24 Loan yield 5.24 4.93 4.87 4.83 4.86 Implied loan spread 3.13 2.92 2.83 2.78 2.62 Time deposit cost 2.04 1.67 1.61 1.64 1.72 Total deposit cost 1.12 0.91 0.90 0.92 1.01 NIM2 2.2% 2.1% 2.2% 2.2% 2.3% Q2 2026 NIM at 2.3%, up 10bps YoY, benefiting from re-leveraging and mix improvements. Yield on performing exposures at 4.9%, affected by base rates. Deposit costs slightly increased in line with forward curves, reaching 1.72% in Q2 2026, down by 32bps YoY c.53% of time deposits will get repriced in the next 3 months and c. 73% in the next 6 months. Executive summary Η1 2026 results Transformation program 1.12% 0.91% 0.90% 0.92% 1.01% 0.09% 0.09% 0.09% 0.09% 0.10% 2.04% 1.67% 1.61% 1.64% 1.72% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Total Core Time 5.21% 4.89% 4.83% 4.78% 4.82% 5.41% 5.12% 5.16% 5.11% 5.09%5.24% 4.93% 4.87% 4.83% 4.86% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Wholesale Retail blended Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 18 18 Resilient liquidity profile to support continued growth Net Loans1 / Deposits Notes: 1. Excluding S/N of securitized portfolios. LCR & NSFR HQLA Q2 ‘26 41%: GGBs / T-Bills 35%: Other sovereigns 23%: Other bonds 1%: Shares Executive summary Η1 2026 results Transformation program 58.3% 62.0% 66.3% 72.4% 70.1% H1 2025 9M 2025 12M 2025 Q1 2026 H1 2026 Cash 5% Central bank reserves 3% Securities 89% Level 2 Assets 3% 198% 158% 163% 122% 145% 134% 130% 126% 120% 127% H1 2025 Q3 2025 Q4 2025 Q1 2026 H1 2026 LCR NSFR Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 19 19 Continued growth in the fee income contribution NFI evolution by category (€m) NFI evolution (€m) Q2 2026 net fee income at €12m (+19% YoY), representing a share of 17% of total income Loan fees remain the major fee growth contributor YoY growth 19% (25%) (3)% 30% NFI / Recurring total income +19% Total Executive summary Η1 2026 results Transformation program 9.9 9.3 10.9 11.0 11.8 8.1 7.9 9.7 8.5 10.6 2.4 1.6 2.3 2.4 2.33.6 4.3 3.6 2.4 2.7 (4.2) (4.5) (4.7) (2.3) (3.8) Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Financing Wealth &Insurance including IB Transactions Fee Expense 9.9 9.3 10.9 11.0 11.8 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 18% 17% 18% 18% 17% Fee income to more than double by 2028 from the entrance into two new segments, resulting from the acquisitions of Pantelakis Securities and Evropi Holdings Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 20 20 Ongoing focus on cost rationalization Despite inflationary pressures, recurring Opex of €76.7m increased by 4% YoY, related to the digital transformation and the branch renovations program. € 3m preparation costs for the Maltese acquisition, burdened OpEx. Following the voluntary exit scheme (VES), the Group’s headcount amounted to 1,223 FTEs in H1 2026, a 3 % decrease YoY. H1 2026 personnel costs at €36.3m down by 4% YoY. H1 2026 G&As at €25.1m as preparatory phase for the Malta transaction inflates the cost base. Breakdown of recurring operating expenses (€m) CrediaBank’s footprint at 66 branches. Branches (#) FTEs (#) Executive summary Η1 2026 results Transformation program (3%) YoY 37.9 36.3 20.7 25.1 15.1 15.3 73.7 76.7 H1 2025 H1 2026 Personnel costs General & admin expenses Depreciation 66 66 H1 2025 H1 2026 1,258 1,223 H1 2025 H1 2026 (4%) YoY 1. Operating costs include costs associated with the Malta acquisition prior to consolidation Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 21 21 Solid asset quality with NPE ratio at new lows and coverage rising further NPE ratio1 and NPE coverage Performing exposures (PEs) & NPEs (€m) Notes: 1. Including S/N of securitized portfolios. €6.2bn loans GBV1 (o/w ~€6.2bn PEs, +6% QoQ) NPEs stable at €152mln despite solid loan growth Executive summary Η1 2026 results Transformation program NPE ratio declined to 2.4% - 48bps down YoY and 12bps QoQ NPE coverage ratio enhanced to 57.1% 2.9% 2.9% 2.9% 2.5% 2.4% 47.8% 47.8% 48.2% 54.7% 57.1% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 NPE ratio NPE Coverage 143 153 160 150 152 4,789 5,069 5,374 5,796 6,155 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 NPEs PEs Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 22 22 Healthy capital position, no DTC, well above regulatory requirements €5.0 bn RWAs1 €825m CET1 capital1 €100m Tier 11 €154m Tier 21 TCR: 13.80% OCR thresholds TIER 1: 11.05% CET1: 8.99% Executive summary Η1 2026 results Transformation program Notes: 1. Pro-forma for acquisition of Evropi Holdings, including period profits Annex 15.5% 1.2% 16.7% 2.0% 18.7% 3.1% 21.8% CET1 H1 2026 Evropi CET1 H1 2026 PF AT1 Tier 1 H1 2026 PF Tier II ΤCR H1 2026 PF
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 4. Transformation
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 24 Modernizing payments through the transfer of ATM and card processing to Euronet. In the past months, significant achievements were realized driving greater efficiency, consistency and business value Key Initiatives / Market Developments Executive summary H1 2026 results Transformation Strengthening bancassurance through the acquisition of Evropi Holdings, unlocking insurance synergies for customers. Entering capital markets via the 70% acquisition of Pantelakis Securities, diversifying fee income. Strategic partnership with BNP Paribas Asset Management to accelerate Wealth Management growth Up to €100 million financing to support investment in Greece’s security and defence SMEs and mid-cap companies ecosystem Accelerate the delivery of the Bank’s strategic objectives, through doubling its assets, and expanding its operations to a new and attractive market outside of Greece. Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 25 25 Driving sustainable value creation through operational excellence and digital transformation 24 branches targeted for rebranding by end-2026, reflecting a disciplined rollout of the new branch model: ✓ 8 branches completed to date ✓ 6 branches scheduled by early Q4 2026 ✓ Remaining 10 on track for delivery by year- end Executive summary H1 2026 results Transformation Branch transformation progress Key initiatives Expected value Digital transformationOperational excellence ✓ Unified customer view ✓ Faster, automated service ✓ Modernised digital infrastructure ✓ Customer relationship management ✓ Azure & Cloud Data foundations ✓ Digital lending preparation ✓ Omnichannel experience modernization ✓ Lower operational overhead ✓ Accelerated delivery ✓ Elevated service standards ✓ Operating model redesign and consolidation of core activities ✓ Expanded remote and self-service capabilities ✓ Enriched product offering ✓ Strategic partnerships and acquisitions Transformation Overview Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 26 26 Q2: from build-up to value creation — first capabilities live in production (CRM, personalized campaigns, lending automation) Executive summary H1 2026 results Transformation Next milestones: Customer Care go-live (Sep) · Friends & Family release of the new digital experience (Sep) · Digital Instant Loan (Oct) · Omnichannel rollout (Nov) Driving commercial growth The unified customer view (Customer 360) and the first personalized, data-driven campaigns strengthen cross-selling and customer engagement, supporting product origination and revenue per customer Elevating the customer experience The new omnichannel experience, the upgraded contact center and digital lending journeys deliver faster, seamless service across channels, reducing friction and drop-off in key customer interactions Structurally lowering cost-to-serve Automation of credit processes and the shift of service interactions to digital and remote channels reduce manual effort and operational complexity across the network and central functions Accelerating speed-to-market Modern cloud infrastructure and a unified data platform shorten the development cycle for new products and services and enable data-driven decision-making across the Bank Building a resilient and secure foundation A modern, scalable and secure technology base enhances operational resilience, supports regulatory confidence and provides the platform for sustainable digital growth Digital transformation Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 28 CrediaBank’s shareholder structure & credit ratings Shareholder structure1 11.06.2021 11.11.2022 26.09.2023 5.07.2024 15.11.2024 17.03.2025 08.04.2026 Rating / Action Baseline credit assessment Caa3 Caa3 Caa2 Caa2 B2 B1 ba3 Counterparty risk rating Caa1 B3 B2 B2 Ba2 Ba1 +6 Bank deposits Caa3 Caa1 B3 B3 B1 Ba2 Ba1 Outlook Stable Positive Positive Rating(s) Under Review Positive Positive Moody’s credit rating Notes: 1. As of 7 April 2026, following the SCI. 2026 vs 2021 +6 Baa3 +7 Stable +8 THRIVEST HOLDING LTD; 24.0% HCAP S.A.; 29.4% Other Shareholders (<5%); 46.7% Foreign institutionals 22.0% Greek institutionals 13.3% Greek Legal Entities 1.0% HCAP S.A. 29.3% Individuals 10.4% Thrivest Holding LTD 24.0% Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 29 29 Sustainable NII Q2 2026 NII at €51.4m, up 24% YoY and 10% QoQ. Robust YoY growth supported by credit expansion and a sizable securities portfolio, benefiting from the increasing rates environment. Loan interest income increased by 24% YoY and by 9% QoQ supported by the net credit expansion. NII sensitivity to a 25bps change in Euribor is approximately €4m. (€m) Q2 2026 Q1 2026 Q2 2025 YoY QoQ PEs 60.4 55.4 48.5 24% 9% Senior notes 3.0 3.0 3.5 (14%) 0% NPEs 0.5 0.4 0.4 11% 11% Bonds 12.1 9.7 9.7 25% 24% Cash & Banks 1.1 1.2 1.2 (10%) (13%) Interest Income 77.0 69.7 63.3 22% 10% Deposits -17.0 -15.2 -17.2 (1%) 12% Debt Securities -3.2 -3.2 -1.2 164% 1% Other -5.3 -4.6 -3.4 54% 14% Interest expense -25.5 -23.0 -21.8 17% 11% Net interest income 51.4 46.8 41.4 24% 10% NII evolution per Q (€m) Deposit costs rather stable YoY and increased by 12% QoQ due to the increase of base rates. Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 30 30 Core PPI up by 75% YoY and by 14% QoQ Recurring Core PPI bridge (€m) Recurring Core PPI bridge (€m) 13.4 10.0 1.8 -1.7 23.6 Q22025 Rec. Core PPI Δ ΝΙΙ Δ Fees Δ OpEx Q22026 Rec. Core PPI 20.6 4.6 0.8 -2.5 23.6 Q12026 Rec. Core PPI Δ ΝΙΙ Δ Fees Δ OpEx Q2 2026 Rec. Core PPI Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 31 31 Recurring PPI up by 66% YoY and by 23% QoQ Recurring PPI bridge (€m) Recurring PPI bridge (€m) 17.8 10.0 1.8 1.6 -1.7 29.5 Q22025 Rec. PPI Δ ΝΙΙ Δ Fees Δ Non-Core Income Δ OpEx Q22026 Rec. PPI 24.1 4.6 0.8 2.5 -2.5 29.5 Q12026 Rec. PPI Δ ΝΙΙ Δ Fees Δ Non-Core Income Δ OpEx Q22026 Rec. PPI Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 32 32 Gross loans increased by 8% QoQ and by 39% YoY Loan book evolution1 (€m) Gross loans evolution by category2 (€m) Notes: 1. Excluding senior notes 2. Differences in loan categories due to reclassifications between segments. 3. SCF and Shipping also targeting SME companies in the respective sectors. 545 572 666 670 698 3,275 3,561 3,810 4,262 4,610 3,820 4,133 4,477 4,932 5,308 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Retail Wholesale 4,932 168 80 49 51 28 5,308 Q1 2026 SME Large Corporate Structured Finance Shipping Retail Q2 2026 Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 33 33 Average new NPE flows of the last 5 quarters ~ 1% (annualized) Quarterly NPE flows Quarterly NPE flows by type of loan Period ( € m ) Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 New NPE flows (annualized) 0.9% 1.5% 1.3% 1.3% 1.1% NPE | begin of period 137 143 153 1 60 1 50 Inflows 9 16 15 1 6 1 5 o/w Defaults 9 16 14 1 6 1 5 o/w Redefaults 0 0 0 0 0 Outflows (4) (5) (7) (26) ( 13 ) o/w Cures & repayments, liquidations (4) (4) (7) (26) ( 13 ) o/w write - offs 0 (2) 0 0 0 Net NPE flow 5 11 7 (10) 2 NPE | end of period 143 153 160 150 152 Period ( € m ) Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Inflows 9 16 15 16 1 5 Business 7 11 11 13 1 4 Mortgages 1 2 3 3 1 Consumer 1 3 1 1 1 Outflows (4) (5) (7) (26) ( 13 ) Business (2) (2) (5) (25) ( 9 ) Mortgages (1) (1) (1) (1) ( 3 ) Consumer (1) (3) (1) (1) (1) Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 34 34 Total funding & deposits analysis Total funding evolution (€m) Due to customers (€m) Due to financial institutions (€m) 6,556 24 231 89 592 151 -74 2 7,572 Η1 2025 Core Deposits Term deposits Core Deposits Term deposits Core Deposits Term Deposits Other Η1 2026 3,571 4,059 3,186 3,513 259 357230 226 FY 2025 H1 2026 Term deposits Core deposits Interbank funding Tier II 7,246 8,155 72.5 15.6 49.5 230.0 -10.3 357.4 Η1 2025 Sight deposits Repos Liabilities to Central Bank Liabilities to other C.I. Η1 2026 Retail Wholesale Public Sector Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 35 35 Excess liquidity placed in Greek and other European sovereigns Total securities evolution (€m) Breakdown per issuer Breakdown per classification Q2’26 FVTOCI 11% FVTPL 5% AMOC 84% Q2’26 1,503 1,461 1,440 1,389 1,653 19% 18% 17% 16% 17% H1 2025 9M 2025 Q4 2025 Q1 2026 Η1 2026 Securities Securities over assets GGBs / T-Bills 41% Other sovereigns 35% Other bonds 23% Shares 1% Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 36 36 Business volumes Amounts in €m Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 YoY % QoQ % Total Gross Loans 3,820 4,133 4,477 4,932 5,308 39% 8% Large & other 1,184 1,243 1,375 1,385 1,465 24% 6% SME 1,302 1,169 1,175 1,254 1,422 9% 13% Structured Finance 600 892 987 1,306 1,355 126% 4% Shipping 188 257 273 317 369 96% 16% Total Wholesale Loans 3,275 3,561 3,810 4,262 4,610 41% 8% Mortgage 303 320 403 408 419 38% 3% Consumer 54 56 59 55 59 10% 6% SB 167 176 186 188 200 20% 7% Credit Cards 22 20 19 19 20 -10% 5% Total Retail Loans 545 572 666 670 698 28% 4% Group Deposits 6,556 6,662 6,757 6,813 7,572 16% 11% Core deposits 3,246 3,141 3,186 3,228 3,513 8% 9% Time Deposits 3,310 3,520 3,571 3,585 4,059 23% 13% Notes: Loan figures exclude the S/N of the HAPS securitization. Differences in loan categories due to reclassifications following the systemic integration with xPCB. Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 37 37 Amounts in €m CET1 capital 392 388 436 446 725 739 825 RWAs 3,764 3,671 3,964 4,374 4,374 4,773 4,946 CET1 % 10.4% 10.6% 11.0% 10.2% 16.6% 15.5% 16.7% TBV 621 617 617 616 896 911 974 Notes: 1. Including period profit. 2. Pro-forma for the € 300m SCI. 3 Pro-forma for Evropi CET1 ratio, including period profits and pro-forma for Evropi Holdings exceeds regulatory requirements by 765bps 2 3 Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex 10.4% 10.6% 11.0% 10.2% 16.6% 15.5% 16.7% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q1 2026PF Q2 2026 Q2 2026PF
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 38 38 CET1 movements | Q1 2026 to Q2 2026 1 2 Notes: 1. Including period profit. 2. Pro-forma for Evropi. Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex 16.6% 0.4% -0.1% -1.1% -0.1% 0.1% 0.0% -0.2% 15.5% 1.2% 16.7% CET1 Q1 2026 Pro-forma Recurring PAT DTA & securitizations Organic Loan growth Restructuring & project costs FVOCI, AT1 & Other Intangibles & add back Other RWAs CET1 Q2 2026 Evropi CET1 Q2 2026 pro-forma
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 39 39 Shareholders Equity to TBV and CET1 (H1 2026) Amounts in €m 1,278 (100) (140) (127) 911 (229) 56 739 86 825 Ordinary Equity AT1 Intangibles Goodwill Tangible Book Value DTA deduction Other adjustments CET1 Evropi CET1 PF Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 40 40 Driving Sustainable Finance ✓ $98m in sustainability-linked loans to the Shipping sector (54% of total shipping loan disbursements) ✓ Rank 1st worldwide in sustainability-linked loans, as a percentage of our total portfolio, based on this year's Petrofin Bank Research in Global Ship Finance ✓ €253m in RES and green financing ✓ ESG Risk Management Policy ✓ ESG materiality risk assessment ✓ Progressing the integration of ESG criteria into the Bank’s credit assessment process, enhancing the assessment of clients’ sustainability profile and ESG-related risks. Enhancing our operational footprint ✓ 88% of fleet plug-in hybrid / electric ✓ Expansion of EV charging infrastructure supported by new electricity meters ✓ Commitment to reduce purchased electricity by 15%, by 2030 ✓ Energy-efficiency upgrades implemented in 8 branches under the New Experience Branches rollout. ✓ 100% of branch electricity consumption matched with renewable energy through Guarantees of Origin. ✓ HVAC system upgrades or replacements, using next-generation equipment and low-impact refrigerants ✓ Commitment to minimize paper consumption by 30% compared to 2024, by 2030 E E - Environment: Steady Progress and target setting Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 41 41 Empowering our people ✓ 41% women in positions of responsibility; >50% women at C-level, supporting gender-balanced leadership ✓ 23% of leadership roles held by employees 55+, valuing experience and institutional knowledge ✓ 15% of leadership roles held by employees with caregiving responsibilities, reflecting inclusive access to career progression ✓ 46 average training hours per employee strengthening capability and regulatory readiness Fostering inclusion & wellbeing ✓ Awarded the Diversity Label by the Ministry of Social Cohesion and Family Affairs, recognized among 41 organizations awarded out of 100 applicants, achieving a score above the average of the awarded organisations ✓ Completed a targeted training and advisory program with New Agriculture New Generation, supporting agrifood businesses in promoting high nutritional value products and sustainable water management practices. ✓ Human rights commitment statement & diversity, equity & inclusion policy ✓ Well-being initiatives for staff through Hellas EAP ✓ Awarded the first 158 graduates of CrediaBank’s two certified Relationship Manager academies, reinforcing the Bank’s investment in front-line talent development and customer advisory excellence. Giving back to society ✓ Expanded accessibility-by-design across the branch experience, with eight New Experience Branches already operating under full accessibility and inclusion principles. ✓ Strengthened DE&I in both employee and customer experience, supported by inclusive service training and the Bank’s recognition with the Diversity Label. ✓ Certification of 5 branches as neurodiversity friendly in progress by HappyAct. ✓ CrediaConnect service extends the personalized banking experience beyond the physical branch, enabling broader reach, enhancing digital inclusion and customer-centric service ✓ Proud participant of the UN global compact network ✓ CrediaBank supported public health through the donation of a CPR system to EKAB for ambulance use. ✓ CrediaBank signed an MoU with the Hellenic Mediterranean University to support Crete’s agri-food sector through joint initiatives in education, research, innovation and local entrepreneurship. S S - Society: Supporting our people, customers and communities Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 42 42 Strengthening our governance framework ✓ CrediaBank has been recognized, for the first time, among The Most Sustainable Companies in Greece by QualityNetFoundation. ✓ Revised Sustainability Policy, with stronger governance, ESG data, carbon disclosures, and SDG mapping ✓ Reputational Risk Policylaunched ✓ Progressively updating internal policies to incorporate ESG considerations ✓ ESG integration into committees and decision-making ✓ Enhanced all key Board committees to incorporate ESG aspects and responsibilities Promoting ethical and responsible conduct ✓ Ethical & safe workplace culture- zero cases of discrimination or harassment in 2024–2025, supported by an ISO 37002:2021 aligned whistleblowingsystem ✓ Anonymous employee survey, achieving strong participation and reinforcing CrediaBank’s commitment to understanding employee perspectives and shaping people-focused priorities. ✓ Procurement compliance with accessibility requirements (Law 4994/2022 – European Accessibility Act) Transparency and global engagement ✓ UN Global Compact annual Communication on Progress (CoP) ✓ UN Human Rights Due Diligence in progress, supporting the Bank’s human rights due diligence roadmap ✓ Diversity Charter renewed ✓ Enhanced transparency and market engagement, with free float at 29.9%, supporting broader investor participation ✓ CrediaBank has been included in Bloomberg ESG Score total coverage Index ✓ ATHEX ESG transparency score 85% ✓ Participation in the S&P corporate sustainability assessment (CSA), strengthening external ESG benchmarking and disclosurereadiness ✓ Strengthened external ESG visibility, with continued monitoring of international ESG rating activity and emerging interest from providers such as MSCI G G - Governance: Operating with transparency and integrity Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 43 HSBC Malta transaction timeline Start Completion December 2025: SPA signed January 2026: Submission to the local regulator of the file concerning the Bank April 2026: Finalization of the target operating model Q4 2026: Regulatory approval from the local regulator and ECB about the change of control Q4 26/Q127: Finalization of the operational readiness April 2027 Legal/Operational merge along with the change of ownership SPA signed MFSA file submitted TOM finalized Regulatory approval Operational readiness Legal day 1 On our way to operational readiness Completed Ongoing HSBC Malta acquisition roadmap Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 44 Pantelakis Securities Evropi Holdings Pantelakis Securities & Evropi Holdings transaction roadmap May 2026: SPA signed Jul 2026: Submission to the HCMC Mid-Sep 2026: HCMC approval End-Sep 2026: Completion of the transaction Completion milestones Completed Ongoing Pantelakis Securities & Evropi Holdings transaction roadmap Shareholder structure Η1 2026 results ESG Acquisitions Financial statements May 2026: Merger Term- sheet signed Jul 2026: Submission to the BoD and HCC Sep 2026: BoD Approval of Merger Agr. incl. Fairness & Verification Reports Mid Oct 2026: Regulatory Approvals (BoG & HCC) End Oct 2026: Credia & Evropi GA approvals / Completion of the transaction Annex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 45 45 Balance sheet, in €m H1 2025 9M 2025 FY 2025 Q1 2026 H1 20261 Assets Cash and balances with central bank 654 647 643 357 753 Due from other financial institutions 79 70 69 67 69 Financial assets 1,503 1,461 1,440 1,389 1,653 Derivative financial instruments - assets 0 0 0 0 1 Net loans and advances to customers 4,864 5,149 5,457 5,864 6,220 Investments in associates 2 3 4 5 5 Property, plant & equipment 87 86 86 85 80 Investment property 91 91 103 103 109 Intangible assets 254 259 262 265 267 Deferred tax assets 272 272 225 222 222 Assets held for sale 22 22 15 15 17 Other assets 144 112 176 176 176 Total assets 7,972 8,172 8,480 8,549 9,572 Liabilities Due to financial institutions 73 179 259 357 338 Due to customers 6,556 6,662 6,757 6,813 7,572 Debt securities issued 178 178 169 169 224 Defined benefit obligations 7 7 7 7 7 Other provisions 0 0 0 0 0 Other liabilities 184 170 309 221 152 Total liabilities 6,998 7,196 7,501 7,567 8,294 Equity Share capital (common shares) 81 81 81 81 100 Other debt securities 100 100 100 100 100 At par 1,565 519 519 519 801 Retained earnings (2,006) 9 12 17 9 Reserves 1,235 267 267 264 268 Total equity 975 976 979 981 1,278 Total liabilities & equity 7,972 8,172 8,480 8,549 9,572 Note: 1. Published FS as of 06.08.2026. Group Balance Sheet Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 46 46 Profit & loss statement, in €m H1 2025 9M 2025 FY 2025 Q1 2026 H1 20261 Interest income 125.7 190.3 260.8 69.7 146.7 Interest expense (47.6) (70.5) (93.4) (23.0) (48.5) Net interest income 78.1 119.9 167.4 46.8 98.2 Income from fees and commissions 24.6 38.4 54.0 13.3 28.9 Fees and commissions expense (7.6) (12.1) (16.8) (2.3) (6.2) Net fees & commission income 17.0 26.3 37.2 11.0 22.7 Profit / (loss) from financial transactions 3.5 3.5 4.6 0.6 0.7 Profit / (loss) from investment portfolio 2.1 2.6 3.2 1.3 1.6 Dividends 0.4 0.6 0.8 0.0 1.8 Other income / (expenses) 9.6 10.9 11.8 1.6 5.3 Total non-core income 15.6 17.7 20.5 3.5 9.4 Total recurring operating income 110.6 163.8 225.1 61.2 130.3 Non-recurring revenues 9.8 9.8 53.2 0.0 0.0 Total reported operating income 120.4 173.6 278.3 61.2 130.3 Personnel costs (37.9) (54.9) (71.9) (18.0) (36.3) General & administrative expenses (20.7) (30.0) (43.6) (11.7) (25.1) Depreciation (15.1) (22.8) (31.0) (7.4) (15.3) Total recurring operating expenses (73.7) (107.8) (146.5) (37.1) (76.7) Restructuring & project costs (29.0) (36.6) (46.3) (4.8) (12.6) o/w Staff leaving expense & incentive (26.8) (34.1) (39.0) (3.9) (10.2) o/w Other restructuring & project costs (1.8) (2.1) (6.9) (1.0) (2.4) Total operating expenses (102.6) (144.4) (192.8) (42.0) (89.4) Recurring PPI 36.9 56.0 78.6 24.1 53.6 PPI (reported) 17.8 29.2 85.5 19.3 41.0 Provisions for expected credit losses (9.4) (15.8) (21.7) (7.2) (13.4) Results from investments in associates 0.1 0.5 0.9 (0.2) (0.1) Loss on write-off of fixed assets 0.0 0.0 (0.7) 0.0 0.0 Recurring Profit / (loss) before income tax 27.6 40.8 57.8 16.7 40.1 Profit / (loss) before income tax 8.5 13.9 64.1 11.9 27.5 Income tax (3.6) (4.0) (48.9) (4.1) (4.5) Recurring profit / (loss) after income tax 21.6 31.8 45.1 13.0 31.3 Profit / (loss) after income tax 4.9 9.9 15.2 7.8 23.0 Notes: As per published financial statements, all quarters adjusted for PPA reclassification to interest expense and depreciation. 1. Published FS as of 06.08.2026. Group P&L Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 47 47Notes: As per published financial statements, all quarters adjusted for PPA reclassification to interest expense and depreciation. 1. Published FS as of 06.08.2026. Profit & loss statement, in €m Q2 2025 Q3 2025 Q4 2025 Q1 20261 Q2 20261 Interest income 63.3 64.7 70.4 69.7 77.0 Interest expense (21.8) (22.9) (22.9) (23.0) (25.5) Net interest income 41.4 41.8 47.5 46.8 51.4 Income from fees and commissions 14.1 13.8 15.6 13.3 15.6 Fees and commissions expense (4.2) (4.5) (4.7) (2.3) (3.8) Net fees & commission income 9.9 9.3 10.9 11.0 11.8 Profit / (loss) from financial transactions 2.0 0.1 1.1 0.6 0.1 Profit / (loss) from investment portfolio 1.1 0.5 0.5 1.3 0.4 Dividends 0.3 0.3 0.2 0.0 1.8 Other income / (expenses) 1.0 1.2 1.0 1.6 3.7 Total non-core income 4.4 2.1 2.8 3.5 5.9 Total recurring operating income 55.8 53.2 61.2 61.2 69.1 Non-recurring revenues 8.5 0.0 43.4 0.0 0.0 Total reported operating income 64.2 53.2 104.7 61.2 69.1 Personnel costs (18.5) (17.0) (17.0) (18.0) (18.3) General & administrative expenses (11.9) (9.3) (13.5) (11.7) (13.4) Depreciation (7.6) (7.7) (8.2) (7.4) (7.9) Total recurring operating expenses (37.9) (34.1) (38.7) (37.1) (39.6) Restructuring & project costs (14.4) (7.7) (9.7) (4.8) (7.8) o/w Staff leaving expense & incentive (12.5) (7.4) (4.9) (3.9) (6.3) o/w Other restructuring & project costs (1.5) (0.3) (4.8) (1.0) (1.5) Total operating expenses (52.3) (41.8) (48.4) (42.0) (47.4) Recurring PPI 17.8 19.1 22.5 24.1 29.5 PPI (reported) 11.9 11.4 56.3 19.3 21.7 Provisions for expected credit losses (4.6) (6.4) (5.9) (7.2) (6.2) Results from investments in associates 0.0 0.4 0.4 (0.2) 0.1 Loss on write-off of fixed assets 0.0 0.0 (0.7) 0.0 0.0 Recurring Profit / (loss) before income tax 13.3 13.1 17.1 16.7 23.4 Profit / (loss) before income tax 7.4 5.4 50.2 11.9 15.6 Income tax (2.6) (0.5) (44.9) (4.1) (0.4) Recurring profit / (loss) after income tax 10.4 10.2 13.3 13.0 18.2 Profit / (loss) after income tax 4.8 5.0 5.3 7.8 15.2 Group P&L Shareholder structure Η1 2026 results ESG Acquisitions Financial statementsAnnex
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 48 48 Glossary of Terms (1/4) Terms Definitions AM Asset management AMOC Fair value of assets at amortized cost AT1 Additional Tier 1 capital instruments ATM Automated Teller Machine AuM Assets under management CAGR Compound Annual Growth Rate CHF loans Swiss Franc loans CoE Cost of equity Common Equity Tier 1 ratio (CET 1) Common Equity Tier 1 regulatory capital as defined by Regulation (EU) 575/2013 Cost of funds (CoF) Average cost paid by the bank to fund its assets Cost of risk (CoR) Loan loss reserves for the period divided by gross loans of the relevant period Cost-to-core-income ratio Operating expenses over core income; core income defined as net interest income + net fee income Cost-to-income ratio Management expenses divided by total income CRE Commercial real estate DTA Deferred Tax Asset DTC Deferred tax credit FTEs Full-time employees FV Fair Value FVOCI Fair value through other comprehensive income FVTPL Fair value of assets through profit & loss GBV Gross book value
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 49 49 Glossary of Terms (2/4) Terms Definitions GDP Gross domestic product Gross NPE ratio Non-performing exposures divided by gross customer loans for the period HAPS Hellenic Asset Protection Scheme HQLA High Quality Liquid Assets ISO International Organization for Standardization LC Large Corporate Liquidity coverage ratio (LCR) The proportion of highly liquid assets held by financial institutions, to ensure their ongoing ability to meet short-term obligations Loan to deposit (LTD) Gross loans divided by customer deposits LTM Term loans including Government products LTV Loan-to-Value Net commission income (NFI) Commission income less commission expense Net interest margin (NIM) Net interest income over average interest-earning assets Net Credit Expansion Increase in the loan portfolio over a period after accounting for repayments, write-offs and sales, showing the bank’s net new lending activity Net Loan-to-Deposit Ratio Net customer loans divided by customer deposits, indicating the extent to which the loan portfolio is funded by the bank’s deposit base Net NPE ratio Non-performing exposures net of loan loss reserves divided by net customer loans for the period New Disbursement New loans issued during a period, representing the total amount of fresh credit granted to customers (excluding renewals, restructurings, and rollovers) Non-performing exposures (NPEs) An exposure that is a) 90 days past-due (material exposure) and b) unlikely to be repaid in full without collateral realization (irrespective of any past-due amount or of the number of days past-due), in compliance with EBA Guidelines, In this Presentation, NPEs are reported under IFRS. For regulatory reporting purposes, NPEs also include Omega and Metexelixis underlying loan exposures NPL Non-performing loans NPE coverage Loan loss reserves divided by non-performing exposures for the period NPE Ratio Gross non-performing exposures divided by total customer loans, measuring the share of a bank’s loan book that is classified as non-performing
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 50 50 Glossary of Terms (3/4) Terms Definitions Operating Income Total operating revenue minus operating expenses (administrative expenses, depreciation, amortization and other operating costs) Overall capital ratio (OCR) Total regulatory capital divided by total risk weighted assets, as defined by Regulation (EU) 573/2013 P / TBV Price to tangible book value ratio PBT Profit before tax PCB Pancreta Bank Performing exposure (PE) Loan exposures not classified as non-performing (i.e. exposures that are not past-due by >90 days and for which there is no indication of unlikeliness to pay) POS Point of Sale – loans or credit provided at the moment a customer purchases goods/service PPE Property, Plant & Equipment Pre-provision income (PPI) Total operating income for the period less total operating expenses for the period Recurring Cost-to-Income Cost-to-income ratio adjusted to exclude one-off or non-recurring items, showing the bank’s underlying operating efficiency Recurring PBT Profit before tax excluding non-underlying / one-off items, providing a view of the bank’s underlying, repeatable profitability Recurring PPI Pre-provision income adjusted to exclude non-recurring items, showing the bank’s core operating performance before credit costs Risk weighted assets (RWAs) Risk weighted assets are assets and off-balance sheet exposures, weighted according to risk factors based on the Regulation (EU) 575/2013 for credit, market and operational risk RoATE Net income divided by average tangible equity, measuring profitability relative to tangible shareholder capital RoE Return on equity – net income divided by average shareholders’ equity RoTE Return on tangible equity – net income divided by average tangible equity RRF Recovery and Resilience Facility SME Small and medium-sized enterprise
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 51 51 Glossary of Terms (4/4) Terms Definitions SB Small businesses SRT Significant risk transfer of credit risk to third parties Stage 3 Includes credit impaired exposures, loan loss reserves for exposures classified under Stage 3 are calculated for the lifetime of the exposure (lifetime expected credit losses) TBV Tangible Book Value TCR Total capital ratio – total regulatory capital divided by risk-weighted assets Tier 1 Primary component of the bank’s regulatory capital, comprising Common Equity Tier 1 and Additional Tier 1 instruments Tier 2 instrument Secondary component of the bank’s regulatory capital, in addition to Tier 1 capital, that makes up the bank's required regulatory reserves UCI Union de Creditos Immobiliarios, S.A.E Voluntary exit scheme (VES) A scheme that provides an incentive for employees to retire early WM Wealth Management
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 52 52 Disclaimer and contact information (1/2) This Presentation has been prepared by CrediaBank S . A . (“CrediaBank”) solely for information purposes and for the exclusive use of the recipient and does not suggest taking or refraining from any action . The Presentation may only be used for such information purposes and cannot be reproduced, disclosed, duplicated and otherwise disseminated to any third party without CrediaBank’s prior written consent . This Presentation is not directed to, or intended for distribution to or use by, any person or entity that is a citizen or resident or located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would require any registration or licensing within such jurisdiction . This Presentation should not be construed as an offer to sell or issue securities or otherwise constitute an invitation or inducement to any person to purchase, underwrite, subscribe to, or otherwise acquire securities of CrediaBank or any other person . This Presentation does not purport to be all - inclusive and does not contain all of the information that may be required to evaluate a potential transaction and you should conduct your own independent investigation and analysis of CrediaBank and its consolidated subsidiaries (the “Group”) and the information in this Presentation and seek your own legal, accounting, tax and other relevant professional advisers . Under no circumstances is this Presentation or the information contained herein to be construed as a prospectus, offering memorandum or advertisement, and neither any part of this written or oral Presentation nor any information or statement contained herein or therein shall form the basis of or be relied upon in connection with any contract or commitment whatsoever . This Presentation may contain statements that are, or may be deemed to be, “forward - looking statements” which are based on current expectations and projections about future events . In some cases, these forward - looking statements may be identified by the use of forward - looking terminology, including the terms “targets”, “believes”, “estimates”, “anticipates”, “expects”, “intends”, “may”, “will” or “should” or, in each case, their negative or other variations or comparable terminology . They appear in a number of places throughout the materials and include statements regarding the intentions, beliefs or current expectations of CrediaBank and/or its directors concerning, among other things, the trading performance, results of operations, financial condition, capital position, liquidity, strategic objectives and prospects of CrediaBank . By their nature, these forward - looking statements involve risks and uncertainties because they relate to events and depend on circumstances that may or may not occur in the future . Forward - looking statements are not guarantees of future performance . A number of important factors could cause actual results or outcomes to differ materially from those expressed, projected or implied in any forward - looking statements . No one undertakes publicly to update or revise any such forward - looking statement . In light of these risks, uncertainties and assumptions, the events or circumstances referred to in the forward - looking statements may not occur . None of the future projections, expectations, estimates or prospects in the materials should be taken as forecasts or promises nor should they be taken as implying any indication, assurance or guarantee that the assumptions on which such future projections, expectations, estimates or prospects have been prepared are correct or exhaustive or, in the case of the assumptions, fully stated in the materials . No obligation is undertaken by CrediaBank or its directors, officers, employees, agents, representatives and/or advisers or any person to provide recipients of this Presentation with additional information or to update, revise or reaffirm the information in this Presentation or to correct any inaccuracies therein which may become apparent and this Presentation is not a representation by CrediaBank that it will do so . Nothing contained herein is, or shall be relied upon as, a promise or representation as to the past or future or that any of the estimates, projections, assumptions and/or targets contained herein will be achieved . In all cases, the recipient should conduct their own investigation and analysis of the information contained in this Presentation . The information contained in the Presentation has been provided by the Group and not been independently verified . The information and opinions contained in this Presentation are provided as at the date of the Presentation and are subject to change without notice . CrediaBank or any of its respective affiliates, directors, officers, employees, partners, members, controlling persons, agents or advisors (including any financial advisors and banks) is not under any obligation to update the information in this Presentation or keep it current . 52
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 5353 Acceptance of this Presentation constitutes your acknowledgement and agreement that none of CrediaBank, the Group or any of their respective affiliates, directors, officers, employees, partners, members, controlling persons, agents or advisors (including any financial advisors and banks) ( i ) makes any express or implied representation or warranty as to the accuracy or completeness of the information contained herein or (ii) shall have any liability to the recipient or its representatives relating to or arising from the information contained herein or any omissions from such information or any other written or oral communications transmitted to any interested party in the course of its evaluation of the Group or any potential transaction . CrediaBank presents certain non - IFRS financial measures (the “Non - IFRS Measures”) in this Presentation to supplement the Group’s consolidated financial statements prepared and presented in accordance with IFRS . Recipients should not consider the Non - IFRS Measures presented in this Presentation in isolation or as substitutes for the analysis of the Group’s results of operations . The Non - IFRS Measures may not be comparable to similarly titled measures used by other companies . The Non - IFRS Measures are not measurements of financial performance under IFRS and should not be considered as alternatives to other indicators of the Group’s operating performance, cash flows or any other measure of performance derived in accordance with IFRS . CrediaBank has included certain industry and market share data in this Presentation obtained from third party studies and industry publications . These studies and publications generally state that they have obtained information from sources believed to be reliable, but do not guarantee the accuracy or completeness of such information . In addition, in many cases, CrediaBank has made statements in this Presentation regarding the Group’s industries and its position in these industries based upon estimates made from CrediaBank’s experience and its own investigation of market conditions . CrediaBank believes these estimates to be accurate as of the date of this Presentation . However, this information may prove to be inaccurate because of the method by which CrediaBank obtained some of the data for its estimates or because this information cannot always be verified with complete certainty due to the limits on the availability and reliability of raw data, the voluntary nature of the data gathering process and other limitations and uncertainties . As a result, recipients should be aware that the industry and market data included in this Presentation, and estimates and beliefs based on such data, may not be reliable . Additionally, certain financial and statistical information in this Presentation has been subject to rounding off adjustments . Accordingly, the sum of certain data may not conform to the expressed total . The recipient should not construe the contents of this Presentation as legal, tax, accounting, investment or other advice or a personal recommendation . The recipient is solely responsible for seeking independent professional advice in relation to any action taken on the basis of the Presentation and should consult their own counsel, tax and financial advisers (or other advisors) as to legal, tax, financial, regulatory, accounting and/or other related matters concerning any information contained herein . The recipient of this Presentation is solely responsible for forming their own opinions and conclusions on such matters and for making their own independent assessment of the Presentation . This Presentation does not purport to be all - inclusive . By providing this Presentation, CrediaBank does not have the responsibility or authority to provide, nor has provided, investment advice to the Recipient with regard to the matters contained herein . The recipient shall not base any behavior in relation to financial instruments related to CrediaBank’s securities or any other securities and investments on information until after it is made publicly available by CrediaBank . By attending, viewing or otherwise accessing this Presentation the recipient will be deemed to have represented, warranted and undertaken that : ( i ) the recipient has read and agrees to comply with the contents of this disclaimer including, without limitation, the obligation to keep this document and its contents confidential ; and (ii) the recipient acknowledges that understands the legal and regulatory sanctions attached to the misuse, disclosure or improper circulation of this Presentation or any information contained therein . 53 Disclaimer and contact information (2/2)
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0 54 54 Valerie Skoubas | Chief Financial Officer +30 210 3667058 Skoubas.Valerie@crediabank.com Evangelos Kanelis | Chief of Strategy +30 210 3666820 Kanelis.Evangelos@crediabank.com Konstantinos Manolopoulos | Deputy CFO & Head of IR +30 210 3667060 Manolopoulos.Konstantinos@crediabank.com IR Division +30 210 3669132 InvestorRelations@crediabank.com Website www.crediabank.com Reuters CREDIAr.AT Bloomberg CREDIA GA EQUITY Contact information
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RGB 0 , 29 , 184 RGB 71, 145, 228 RGB 58, 213, 94 RGB 0, 115, 18 RGB 30, 70, 142 RGB 87, 208, 249 RGB 0, 49, 0