Slides
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9M 2026 results 29 October 2026
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2 Disclaimer By attending the meeting where this presentation is made, or by reading the presentation slides, you agree to be bound by the following limitations: This presentation has been prepared by Eurobank S.A. (“Eurobank”). Given the financial period that this presentation covers, there are references in the text to Eurobank Services & Holdings S.A. (“Eurobank Holdings”) (the parent financial holding company of Eurobank prior to the merger by absorption of Eurobank Holdings by Eurobank, which took place on December 12th, 2025 and whereby Eurobank succeeded by operation of law, through universal succession, to the entire estate (assets and liabilities) of Eurobank Holdings. The material that follows is a presentation of general background information about Eurobank and its affiliates (TBC) and this information is provided solely for use at this presentation. This information is summarized and is not complete. 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3 Table of contents 9M26 results highlights 4 Regional Presence 12 Balance sheet 17 Profitability 25 Asset Quality 33 Capital 37 Sustainability 40 Macroeconomic update 48 Appendix I – Supplementary information 57 Appendix II - Glossary 63
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9M26 results highlights 9M 2026 Results
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5 ❑ 9M26 Adjusted Net Profit €1,209m (reported €1,161m) ❑ Greece €654m, Cyprus €356m, Bulgaria €182m ❑ 9M26 RoTBV1 at 16.9% ❑ TBV per share at €2.65 ❑ €5.99 cent/share interim dividend; +27% vs last year ( €214m), to be paid on Nov. 26th • NII at €2,068m; up 8.7% y-o-y, up 5.0% q-o-q • Commission income at €630m; up 13.0% y-o-y, up 2.7% q-o-q • OpEx at €995m; up 6.9% y-o-y, stable q-o-q • Cost / core income at 36.9% • Core pre-provision income (PPI) at €1,703m; up 11.4% y-o-y, up 6.9% q-o-q • Cost of Risk (CoR)2 at 53bps • Core Operating Profit3 at €1,478m; up 14.4% y-o-y, up 6.7% q-o-q P&L (€ m) 3Q26 2Q26 Δ(%) 9M26 9M25 Δ(%) Net interest income 719.3 685.0 5.0 2,067.8 1,902.2 8.7 Commission income 216.3 210.6 2.7 629.8 557.2 13.0 Other Income 30.3 37.2 (18.6) 78.5 46.4 69.1 Operating income 965.9 932.7 3.6 2,776.1 2,505.9 10.8 Operating expenses (332.8) (331.8) 0.3 (994.9) (930.4) 6.9 Core PPI 602.8 563.7 6.9 1,702.7 1,529.1 11.4 PPI 633.1 600.9 5.3 1,781.2 1,575.5 13.1 Loan loss provisions (76.9) (71.1) 8.2 (224.5) (237.5) (5.5) Core Operating Profit3 525.9 492.6 6.7 1,478.2 1,291.6 14.4 PBT4 554.3 528.3 4.9 1,537.3 1,339.6 14.8 Adjusted Net Profit 432.6 425.4 1.7 1,208.9 1,057.7 14.3 Net Profit 423.1 406.9 4.0 1,160.8 1,032.9 12.4 Ratios (%) 3Q26 2Q26 9M26 9M25 Net interest margin 2.53 2.48 2.49 2.49 Cost / income 34.5 35.6 35.8 37.1 Cost / core income 35.6 37.1 36.9 37.8 Cost of risk2 0.54 0.50 0.53 0.61 RoTBV1 17.8 18.0 16.9 16.2 TBV per share (€) 2.65 2.57 2.65 2.46 EPS (€) 0.12 0.11 0.31 0.28 1. Adjusted net profit. Including AT1 coupon accrual. 2. On net loans. 3. Core Operating profit= Core PPI minus loan loss provisions. 4. Adjusted profit before tax. 9M26 results highlights: Profitability
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6 Volumes • Loans organic growth1 at €3.8bn in 9M26 (+10.5% y-o-y); up €1.1bn q-o-q • Deposits up €4.7bn in 9M26 (+10.6% y-o-y); up €1.8bn2 q-o-q • Wealth management performance in 9M26: • Managed funds up €1.5bn (+22.3% y-o-y) • Private banking customer CAL 3 up €1.4bn (+13.2% y-o-y) Capital4 • 3Q26 CET1 at 15.5%, including: • Organic capital generation (c.+80bps q-o-q) • 3Q26 Dividend accrual (c.-45bps q-o-q) • 3Q26 CAD at 20.4% Asset Quality • NPE ratio at 2.4%5 • NPE coverage at 81.9%5 Group (%) 3Q26 2Q26 1Q26 4Q25 3Q25 Capital4 CAD 20.4 20.3 20.4 20.0 18.9 CET1 15.5 15.4 15.4 15.6 15.5 Liquidity L/D 66.4 66.0 67.6 66.1 66.9 LCR 174.4 174.1 165.3 172.2 180.4 Asset Quality NPE ratio 2.45 2.5 2.6 2.6 2.8 NPE coverage 81.95 82.4 94.1 95.2 94.0 1..Organic: disbursements minus repayments adjusted for write-offs, sales, acquisitions, liquidations, FX effect & held-for-sale. 2. €0.8bn short term corporate deposit matured at 1/7/2026, excluded from 2Q and 3Q26 deltas. 3. CAL: Client Assets & Liabilities. 4. Accounting for payout accrual. Including period profits. Payout subject to relevant approvals. 5. Potential loan reclassifications to UTP in 4Q26 related to the CHF conversion law may increase the NPE ratio by c.40bps and lower the NPE coverage by c.10ppts. No impact on CoR. Key Balance sheet ratios 9M26 results highlights: Balance Sheet
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7 Regional breakdown 1. 9M26 Adjusted Net profit. Assets (€ bn) Contribution to Group assets Net Loans (€ bn) Deposits (€ bn) Wealth Mng (€ bn) Net Profit1 (€m) Contribution to Group Net profit 66.9 37.8 48.5 15.8 654 29.4 9.1 24.3 5.4 356 14.8 9.9 11.7 0.2 182 3.1 1.1 2.7 5.3 16 114.2 57.9 87.2 26.8 1,209 Greece Cyprus Bulgaria Lux Group 59% 13% 3% 26% 54% 2% 29% 15%
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8 1,902 2,068 52 27 119 (42) 9 1 9M25 Δ Loans Δ Deposits Δ Bonds Δ Central banks Δ MREL & Tier II Δ other 9M26 Δ NII (y-o-y, € m)1 Δ Commission Income (y-o-y, € m) Core Income 557 63020 1 10 45 (3) 9M25 Δ Lending Δ Network & credit cards Δ Capital Markets Δ Wealth & Insurance Δ Rental & other 9M26 +13.0% 1. Analysis based on gross income. 2. Including Repos and Money Market. 2 +8.7% ECB DFR (avg) 2.35% 2.11%
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9 1,292 1,478 9M25 9M26 1,340 1,537 9M25 9M26 1,529 1,703 (238) (224) 9M25 9M26 Core Operating Profit2 (€ m)Core PPI and Provisions (€ m) Profitability Profit before Tax3 (€ m) Core PPI Loan Loss Provisions CoR1 (bps) 61 53 1. On net loans. 2. Core Operating profit= Core PPI minus loan loss provisions. 3. Adjusted profit before tax. +11.4% +14.4% +14.8%
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10 2.46 2.49 2.65 3Q25 4Q25 3Q26 15.5% 15.6% 15.5% 3Q25 4Q25 3Q26 CET11 TBV per share (€) Capital & TBV CAD1 18.9% 20.0% 20.4% 3Q25 4Q25 3Q26 1. Accounting for payout accrual. Including period profits. Payout subject to relevant approvals.
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11 Eurolife Life Insurance acquisition completed Eurolife acquisition to further diversify Eurobank’s income stream in alignment with our strategy 9M26 Eurolife Profile Gross written premiums €567m Assets €4.1bn Commissions income c.+12% (c.€100 p.a.) Core PPI c.+5% Financial benefits & Capital impact Capital impact c.-120 bps 2.3 4.7 2.1 7.4 Greece Cyprus Bulgaria EU avg Life Non-Life Gross premiums / GDP (%, 2025) 2 Market share1 22% 1. As of 2025. 2. Source: EIOPA Insurance statistics & Eurostat.
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Regional Presence 9M 2026 Results
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13 65% 71% 76% 81% 92% 1.9% 1.9% 1.8% 1.7% 1.6% 3Q25 4Q25 1Q26 2Q26 3Q26 Net profit3 €356m • NII at €579m • Commission income at €147m • Cost / core income at 34.7% • Core PPI at €475m 1. Country view: Includes Eurobank Ltd and other subsidiaries. 2. All previous quarters pro forma for merger of the 2 banks (Hellenic bank Ltd & ERB Cyprus Ltd), effective 1st September 2025. 3. Adjusted Net profit. 143 159 146 160 169 3Q25 4Q25 1Q26 2Q26 3Q26 Eurobank Ltd key P&L metrics 1 Net Profit2,3 (€ m) Core PPI & Provisions2 (€ m) 120 121 103 127 125 3Q25 4Q25 1Q26 2Q26 3Q26 2 (4) (11) (5) (7)Provisions Core PPI 9M26 Highlights2 NPE ratio and provisions / NPE NPE coverage NPE ratio
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14 0.7 0.7 0.7 0.7 0.8 2.6 2.6 2.7 2.7 2.8 5.3 5.4 5.6 5.7 5.7 3Q25 4Q25 1Q26 2Q26 3Q26 1. Country view: Includes Eurobank Ltd and other subsidiaries. All previous quarters pro forma for merger of the 2 banks (Hellenic bank Ltd & ERB Cyprus Ltd), effective 1st September 2025. 2. As reported to the Central Banks and including period profits. Gross loans (€ bn) Key metrics 9.28.6 15.0 15.3 15.7 15.7 15.7 8.3 8.6 8.1 8.4 8.6 3Q25 4Q25 1Q26 2Q26 3Q26 24.123.3 Deposits (€ bn) 3Q26 2Q26 1Q26 4Q25 3Q25 Assets (€ bn) 29.4 29.3 28.7 28.7 28.1 Net loans (€ bn) 9.1 9.1 8.9 8.7 8.5 Capital CET12 (%) 33.3 32.4 33.1 33.9 36.4 RWAs (€ bn) 9.3 9.4 9.1 8.6 8.5 Liquidity (%) L/D 37.6 37.5 37.3 36.2 36.6 LCR 318 322 323 324 336 Ratios (%) NIM 2.74 2.65 2.60 2.61 2.63 C/I 33.1 33.1 37.1 31.6 35.5 Eurobank Ltd key B/S metrics1 9.3 24.3 Time Core Business Mortgages Consumer 8.8 23.9 9.0 23.8
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15 104% 95% 91% 95% 95% 2.4% 2.4% 2.5% 2.4% 2.4% 3Q25 4Q25 1Q26 2Q26 3Q26 1. Country view: Includes Postbank Bulgaria and other subsidiaries. 2. Adjusted Net profit. 79 81 86 92 98 3Q25 4Q25 1Q26 2Q26 3Q26 Bulgaria key P&L metrics1 9M26 Highlights Net Profit2 (€ m) Core PPI and provisions (€ m) NPE ratio and provisions / NPE Net profit2 €182m, up 9.2% y-o-y • NII up 18.4% y-o-y at €358m • Commission income stable y-o-y at €70m • Cost / core income at 35.5% • Core PPI at €275m, up 19.6% y-o-y Core PPI 57 57 56 63 64 3Q25 4Q25 1Q26 2Q26 3Q26 NPE coverage NPE ratio (14) (15) (26) (19) (24)Provisions
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16 1. Country view: Includes Postbank Bulgaria and other subsidiaries. 2. As reported to the Central Banks and including period profits. Gross loans (€ bn) Key metrics 2.1 2.2 2.3 2.4 2.5 2.8 3.0 3.1 3.3 3.5 3.7 3.7 3.9 4.1 4.2 3Q25 4Q25 1Q26 2Q26 3Q26 8.9 9.3 9.8 10.1 8.7 6.5 7.6 7.6 8.2 8.2 3.2 3.4 3.4 3.5 3.5 3Q25 4Q25 1Q26 2Q26 3Q26 11.0 11.1 11.6 11.7 9.7 Deposits (€ bn) 3Q26 2Q26 1Q26 4Q25 3Q25 Assets (€ bn) 14.8 14.6 14.0 13.6 12.7 Net loans (€ bn) 9.9 9.6 9.1 8.7 8.5 Capital CET1 (%)2 19.2 19.5 20.3 20.4 21.7 RWAs (€ bn) 7.7 7.5 7.1 6.8 6.7 Liquidity (%) L/D 84.8 82.5 82.4 78.7 86.7 LCR 194 190 200 228 214 Ratios (%) NIM 3.35 3.34 3.34 3.21 3.25 C/I 33.0 35.3 35.9 37.0 36.3 Bulgaria key B/S metrics1 Time Core Business Mortgages Consumer
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Balance sheet 9M 2026 Results
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18 10.6 11.2 1.2 1.6 5.5 6.6 3.2 2.9 4.8 4.8 82.7 87.2 FY25 9M26 1. Of which €2.3bn DTC, part of 9M26 CET1. 2. Including Derivatives €0.6bn in 9M26 and €0.8bn in FY25. 3. Including Derivatives €1.2bn in 9M26 and €0.9bn in FY25. 4. Including AT1 €1.1bn. Liabilities and Equity (€ bn)Assets (€ bn) Balance sheet composition 5.0 5.1 3.6 3.5 1.3 1.4 2.4 2.3 15.6 14.9 25.4 29.1 54.7 57.9 FY25 9M26 108.0 Net loans Investment Securities Cash & Central banks Investment property DTA1 PP&E, intangibles & other assets2 Placements to banks 108.0 Equity4 Deposits Wholesale funding Other3 Tier II Senior Preferred notes 114.2 114.2
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19 Greek Sovereign, 21% EU Governments, 35% US Treasuries, 4% Other Sovereign, 4% Corporate bonds; 9% Financial Institutions, 10% Covered Bonds; 7% CLOs (AAA), 5% FVTPL & Trading1, 5% Breakdown per classification Breakdown per issuer Securities portfolio €29.1bn Amortized Cost, 82% FVOCI, 13% FVTPL & Trading1, 5% €29.1bn 1. Including insurance contract related bonds.
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20 36.0 37.3 37.8 38.1 38.6 8.7 8.9 9.3 9.8 10.1 8.6 8.8 9.0 9.2 9.3 3Q25 4Q25 1Q26 2Q26 3Q26 4.8 4.8 5.0 5.1 5.3 12.9 12.9 13.1 13.0 13.1 32.6 34.3 35.2 36.3 37.1 4.1 4.0 3.9 3.8 3.7 3Q25 4Q25 1Q26 2Q26 3Q26 Breakdown by type (€ bn)Breakdown by country (€ bn) Gross Loans 56.0 57.1 58.1 59.1 54.3 Greece 56.0 57.1 58.1 59.1 54.3 1. Organic: disbursements minus repayments adjusted for write-offs, sales, acquisitions, liquidations, FX effect and held-for-sale. Bulgaria Cyprus Lux Organic1 growth +€1.1bn q-o-q; +€3.8bn in 9M26 (+10.5% y-o-y) Senior Notes Business Mortgages Consumer
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21 33% 33% 32% 33% 33% 3Q25 4Q25 1Q26 2Q26 3Q26 29% 30% 30% 31% 30% Corporate, 39% Individuals & SB, 61% 1. €0.8bn short term corporate deposit matured at 1/7/2026, excluded from 2Q and 3Q26 deltas. Breakdown by country (€ bn) Breakdown by customer Deposits 43.4 45.2 45.0 48.1 48.7 9.7 11.0 11.1 11.6 11.7 23.3 23.9 23.8 24.1 24.3 3Q25 4Q25 1Q26 2Q26 3Q26 82.7 82.4 86.4 87.2 79.0 Bulgaria Greece € 87.2 bn Time / Total Group Greece Deposits +€1.8bn1 q-o-q; +€4.7bn in 9M26 (+10.6% y-o-y) Cyprus Lux
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22 1. HQLA: High Quality Liquid Assets. 2. Over the minimum required. Net loans / Deposits ratio Net ECB position (€ bn) Liquidity 13.3 14.6 11.4 13.4 14.9 3Q25 4Q25 1Q26 2Q26 3Q26 Liquidity coverage ratio (LCR) 66.9% 66.1% 67.6% 66.0% 66.4% 3Q25 4Q25 1Q26 2Q26 3Q26 180.4% 172.2% 165.3% 174.1% 174.4%179.1% 187.8% 177.4% 191.1% 189.2% 3Q25 4Q25 1Q26 2Q26 3Q26 Group Greece HQLAs1 Cash , 3% Central Banks deposits2; 48%Securities, 47% Level 2 Assets, 1% € 25.0 bn
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23 1. Combined Buffer Requirement (CBR) as of 3Q26. 2. c. €6.5bn MREL-eligible senior preferred bonds & other MREL-eligible liabilities. 3. Eurobank S.A. consolidated level. 4. Including Combined Buffer Requirement (CBR) of 4.7% applicable in Jan. 2028. MREL (% RWAs) MREL position • 3Q26 MREL ratio at 32.7% of RWAs including profit after deducting payout accrual; c.470bps above the MREL target • 3Q26 MREL ratio pro forma Eurolife acquisition at 31.3% of RWAs; c.330bps above the MREL target • In September 2026, the Bank issued €600m senior preferred bond further enhancing its MREL capacity • Eurobank’s 3Q26 subordinated MREL ratio at 20.4% of RWAs 3; already above the subordinated MREL target of 18.2% 4 applicable from 1 January 2028; pro forma Eurolife at 19.2% of RWAs3 15.5 23.52.0 4.5 2.9 12.2 MREL requirement CBR1 MREL ratio (3Q26) 28.0% 32.7% CET13 Senior preferred liabilities2 MREL target (3Q26) MREL buffer of c.470bps Tier 2 Additional Tier 1
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24 1.4 1.7 1.9 2.2 2.4 1.4 1.5 1.6 1.7 1.8 6.5 6.7 6.8 7.2 7.2 3Q25 4Q25 1Q26 2Q26 3Q26 4.9 5.0 5.1 5.3 5.3 4.4 4.7 4.3 4.6 4.8 4.8 4.8 4.7 5.1 5.8 3Q25 4Q25 1Q26 2Q26 3Q26 1. CAL: Client assets & liabilities. Private Banking (CAL1 per booking, € bn) Managed Funds (AuM, € bn) Wealth Management 10.2 11.411.0 9.3 9.9 14.5 14.1 14.9 15.9 14.0 Own Mutual Funds 3rd party Funds Discretionary AUM Greece Cyprus Luxembourg +22.3% +13.2%
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Profitability 9M 2026 Results
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26 1. On average gross loans. 2. Following Bulgaria’s adoption of Euro on 1/1/2026, reference rates switched from local currency benchmarks to Euribor. As such 2025 quarterly data are not comparable. Client rates remained broadly stable. 3. Following the merger, effective 1st September 2025, and the alignment of Eurobank Ltd’s spread calculation methodology with Group policy, 2025 quarterly data are not comparable. Client rates remained broadly stable. Loan spreads & rates Lending spreads (bps)1 Greece 3Q25 4Q25 1Q26 2Q26 3Q26 Corporate 184 181 178 173 164 Retail 317 311 311 311 298 Consumer 820 839 825 823 779 SBB 355 324 325 333 320 Mortgage 182 177 178 173 163 Total 231 225 221 216 204 Client rates (bps) Greece 3Q25 4Q25 1Q26 2Q26 3Q26 Corporate 432 423 417 418 436 Retail 482 479 482 495 516 Consumer 1,016 1,038 1,028 1,031 1,018 SBB 534 505 510 525 550 Mortgage 335 333 337 349 371 Total 450 442 438 442 460 SEE 3Q25 4Q25 1Q26 2Q26 3Q26 Bulgaria2 267 261 272 248 220 Cyprus3 225 216 192 182 168 Luxembourg 171 168 176 187 170 Total 239 236 230 215 194 Euro rates avg (bps) 3Q25 4Q25 1Q26 2Q26 3Q26 ECB DFR 200 200 200 204 229 3M Euribor 201 204 205 224 252 6M Euribor 208 212 220 253 276
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27 25% 25% 24% 24% 24% 3Q25 4Q25 1Q26 2Q26 3Q26 Deposit spreads (Greece, bps)Net Interest margin (bps) Net Interest margin & deposit spreads Deposit betas (Group, total) 275 275 277 282 286 246 245 246 248 253 225 224 223 223 230 3Q25 4Q25 1Q26 2Q26 3Q26 SEE Group Greece Deposit spreads (SEE, bps) 3Q25 4Q25 1Q26 2Q26 3Q26 Bulgaria1 104 102 147 161 177 Cyprus2 173 171 169 179 198 Luxembourg 55 63 64 61 66 Total 146 144 156 165 183 3Q25 4Q25 1Q26 2Q26 3Q26 Savings & Sight 189 190 192 199 264 Time 66 64 62 65 70 Total 154 154 155 161 207 1. Following Bulgaria’s adoption of Euro on 1/1/2026, reference rates switched from local currency benchmarks to Euribor. As such 2025 quarterly data are not comparable. Client rates remained broadly stable. 2. Following the merger, effective 1st September 2025, and the alignment of Eurobank Ltd’s spread calculation methodology with Group policy, 2025 quarterly data are not comparable. Client rates remained broadly stable.
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28 719 685 (16) (19) 17 19 33 3Q26 Δ MREL & other Δ Deposits Δ Central banks Δ Bonds Δ Loans 2Q26 Δ NII (q-o-q, € m)1NII breakdown (€ m)1 Net Interest Income 1. Analysis based on gross income / gross expense. 2. Including MREL, Hedging, Money Market, Repos and Tier II. 2 3Q25 4Q25 1Q26 2Q26 3Q26 Loans 571 577 578 597 630 Bonds 203 209 222 244 263 Central banks 61 57 53 52 68 Money Market & Repos 12 10 16 12 (3) Senior notes (64) (64) (62) (68) (69) Tier II (23) (17) (21) (23) (23) Deposits (128) (124) (121) (129) (147) Total NII 632 647 664 685 719 ECB DFR (avg) 2.00% 2.00% 2.00% 2.04% 2.29% +5.0% 9M26 NII up 8.7% y-o-y
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29 124 141 132 133 136 69 72 71 78 80 3Q25 4Q25 1Q26 2Q26 3Q26 23 22 23 22 25 40 46 49 53 55 12 18 13 14 14 82 63 66 78 88 37 65 51 44 35 3Q25 4Q25 1Q26 2Q26 3Q26 Commission income per region (€ m)Commission income breakdown (€ m) Commission Income 213 203 211 216 193 Lending 213 203 211 216 193 Greece Rental & other Wealth & Insurance Capital Markets Transactions & credit cards SEE 68bps / assets 82bps / assets 75 81 75 76 76 Fees/ assets (bps)9M26 commission income up 13.0% y-o-y; up 2.7% q-o-q
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30 521 552 160 169 174 190 54 5522 30 9M25 9M26 177 197 182 186 188 139 131 148 145 145 3Q25 4Q25 1Q26 2Q26 3Q26 OpEx per region (€ m) OpEx breakdown (Group, € m) Operating expenses Cost / core income (%) 328 332 333316 330 Depreciation Administrative Staff 930 995 3Q25 3Q26 9M26 Greece 38.9 36.3 37.4 SEE 37.7 34.7 36.3 Group 38.4 35.6 36.9 FTEs (#) Greece 6,031 6,079 Bulgaria 3,340 3,143 Cyprus 2,939 2,694 IT1 1. Including related depreciation expenses. SEE Greece 9M26 OpEx up 6.9% y-o-y; up 0.3% q-o-q Regulatory charges
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31 279 285 298 304 330 230 247 239 259 273 3Q25 4Q25 1Q26 2Q26 3Q26 Core PPI and other income (€ m) Δ Core PPI (q-o-q, € m) Pre-provision income (PPI) PPI per region (€ m) 536 564 603 508 288 293 303 333 357 240 245 245 268 276 3Q25 4Q25 1Q26 2Q26 3Q26 538 547 601 633 528 20 6 11 37 30 Other income 532 564 60334 6 (1) 2Q26 Δ NII Δ Commission Δ OpEx 3Q26 SEE Greece SEE Greece
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32 1,529 1,703 (238) 166 73 (65 ) (224) Δ NII Δ Commission Δ OpEx Δ Core Operating Profit (y-o-y, € m) Core Operating Profit per region (€ m) Core Operating Profit Loan Loss Provisions Core PPI 9M25 9M26 207 232 258 257 284 66 66 60 73 74 146 155 135 155 162 3Q25 4Q25 1Q26 2Q26 3Q26 462 460 493 526 426 Greece Cyprus 1,292 1,478 Core Operating Profit Lux Bulgaria CoR 61bps 53bps
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Asset Quality 9M 2026 Results
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34 71 53 40 47 47 11 18 37 24 30 0 20 40 60 80 100 120 3Q25 4Q25 1Q26 2Q26 3Q26 SEE Greece 63 52 55 50 54 Cost of Risk2 (bps) 3Q25 4Q25 1Q26 2Q26 3Q26 SEE Greece 2.8% 2.6% 2.6% 2.5% 2.4%3 3Q25 4Q25 1Q26 2Q26 3Q26 1. q-o-q Δ before write-offs, sales, FX movements and other. 2. On net loans. 3. Potential loan reclassifications to UTP in 4Q26 related to the CHF conversion law may increase the NPE ratio by c.40bps and lower the NPE coverage by c.10ppts. No impact on CoR. Asset quality metrics NPE formation1 (€ m) NPE ratio (%) NPE coverage (%) Loan loss provision (€ m) 94.0% 95.2% 94.1% 82.4% 81.9%3 3Q25 4Q25 1Q26 2Q26 3Q26 4942 45 14 45 34 (97) 36 (28) 1 Δ NPE stock (q-o-q, €m) 70 7176 7782
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35 1.0 0.8 0.8 0.7 0.7 0.5 0.7 0.7 0.7 0.7 3Q25 4Q25 1Q26 2Q26 3Q26 0.7 1.4 0.3 0.6 0.2 (1.2) 90dpd NPF 0- 89dpd UTP NPE Stock of provisions Net NPE 1. NPF: Non-performing forborne loans. 2. Unlikely to pay. 3. NP: Non-performing. NPE metrics 90dpd bridge to NPE (€ bn) NPE per region Forborne loans (%) NPE (€ bn) 1.41.5 1.4 1.5 1.4 1 2 PF 46% NPF >90dpd 11% NPF 1-89dpd 4% NPF 0dpd 39% €1.3bn Total NPE NPE ratio NPE coverage Provisions & collaterals / NPE (€ m) (%) (%) (%) Consumer 114 6.2 117 117 Mortgages 379 5.6 71 160 Small Business 299 11.7 55 129 Corporate 253 0.9 93 172 Greece 1,045 2.7 77 149 SEE 398 1.9 96 156 Total 1,443 2.4 82 151 NPF1 NP3
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36 48.1% 46.1% 46.1% 47.0% 47.7% 3Q25 4Q25 1Q26 2Q26 3Q26 9.7% 10.2% 10.2% 7.5% 7.1% 3Q25 4Q25 1Q26 2Q26 3Q26 94.0% 95.2% 94.1% 82.4% 81.9% 3Q25 4Q25 1Q26 2Q26 3Q26 1. Including €131m POCI performing loans. 2. Including €61m off-balance sheet provisions. 3. Including €3m off-balance sheet provisions. 4. Including €31m off-balance sheet provisions. Loans’ stage breakdown Provisions stock over NPE Loans’ stage analysis Stage 2 loans coverage Stage 3 loans coverage (NPE) (€ bn) 3Q25 4Q25 1Q26 2Q26 3Q26 Stage 1 47.6 49.6 50.6 52.2 53.2 Stage 2 5.0 4.9 4.8 4.3 4.3 Stage 3 (NPE) 1.5 1.4 1.5 1.4 1.4 Total 54.3 56.0 57.1 58.1 59.11 2 43
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Capital 9M 2026 Results
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38 15.4% 15.5% 14.3% 13.0% 80bps (45bps) (10bps) (10bps) (10bps) 10bps (120bps) 2Q26 3Q26 Net Profit 3Q26 Payout Accrual Asset Growth DTC acceleration FVOCI Other 3Q26 Eurolife 3Q26 pro forma Eurolife Internal mng target Capital ratios (CET1, q-o-q) RWAs (€ m) 54,201 54,146 54,479 Capital (€ m) 8,321 8,393 7,766 1. Including period profits. 2. Payout subject to relevant approvals. 1 1 10.7% 2026 OCR 2 1
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39 15.4% 15.5% 14.3% 2.0% 2.0% (125bps) 2.0% 2.9% 80bps (45bps) (10bps) (10bps) (10bps) 10bps 2.9% 2.9% 2Q26 3Q26 Net Profit 3Q26 Payout accrual Asset Growth DTC acceleration FVOCI Other 3Q26 Eurolife 3Q26 pro forma Eurolife Capital ratios (CAD, q-o-q) RWAs (€ m) 54,201 54,146 54,479 Capital (€ m) 11,011 11,070 10,443 1 1 20.3% Tier II CET1 19.2% AT1 CET1` Tier II 2 1. Including period profits. 2. Payout subject to relevant approvals. AT1 1 20.4%
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Sustainability https://www.eurobank.gr/en/group/esg-environment-society-governance 9M 2026 Results
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Financed Impact Strategy – Progress & Key Figures 1 Data as of 30.06.2026 2 For Group’s lending and investment portfolios in the Banking Book Portfolio Decarbonization has a pivotal role in our sustainability strategy1 41 Accelerated sustainable financing in line with our ambitious strategy Within the first six months of 2026, outstanding sustainable financing increased by €0.75bn to €9.05bn (vs. €8.3bn at year-end 2025). Successfully priced a €600mn Fixed Rate Green Senior Preferred issuance, with proceeds to finance or refinance eligible green assets under Eurobank’s Green Bond Framework. A total of c. €300mn in Assets under Management, across SFDR Article 8 products No new financing towards most carbon-intensive global corporates worldwide Green Asset Ratio KPI: 3.9% (Turnover) (compared to 3.8% as of year-end 2025) Sustainable financing Exposure of more than €9bn (incl. Taxonomy-aligned Exposure of c. €3.1bn) 19% of total exposures secured by real estate with actual EPC (compared to 14.5% as of year-end 2025) Financed Emissions2 of 29.041 ktCO2e (-0.75% vs. year-end 2025)
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Financed Impact Strategy – The pathway to Net Zero 42 Sector Emission scopes covered Target Metric Scenario / Pathway Eurobank’s emission reduction targets Base year Baseline value 2030 target 30.6.2026 value % vs baseline Power Generation Scope 1,2 Intensity kgCO2e / MWh IEA NZE 2050 (2023 Update) 2023 244 220 176 -27.9% Oil & gas Scope 1,2 Absolute tCO2e IEA NZE 2050 (2023 Update) 2024 558 (100 indexed) 530 (95 indexed) 541 -3.0% Iron & Steel Scope 1,2 Intensity tCO2e / t steel IEA Net Zero by 2050 (2021) 2023 0.37 0.33 0.35 -5.4% Cement Scope 1,2 Intensity tCO2e / t cement IEA NZE 2050 (2023 Update) 2023 0.67 0.59 0.63 -6.0% Within 2026, the financed emission footprint of Eurobank Group has decreased to 29.041 ktCO2e as of 30.06.2026 (-0.75% vs. year-end 2025). Steady progress exhibited on the decarbonization of the four priority sectors where emission reduction targets have been set. Additional targets under development for CRE and RRE portfolios., expected to be finalized by the end of 2026.
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Operational Impact Strategy Highlights – Environment Environment 43 • 23,569 MWh total electricity consumption • 7.4 % reduction in total electricity consumption compared to 3Q 2025 • 97.85 % of total electricity consumed was sourced from Renewable Energy Sources (Certified Guarantees of Origin plus own production) • 912.7 MWh consumed from own-produced electricity • 90% of Eurobank's leased vehicles are plug-in/electric (new contracts), as part of its efforts to accelerate the complete replacement of its fleet with electric or hybrid vehicles. • 529 tn paper recycling • Hazardous Waste for Public programme: 18.6 tn placed in the recycling Hungry Bins installed in 11 locations throughout Greece, from the launch of the programme
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Operational Impact Strategy Highlights – Social Diverse & Inclusive internal environment • The Women in Banking (WiB) mentorship programme launched its fourth cycle with 72 mentors and 72 mentees, building on a growing community of 258 members. The opening event, “Always Cha(lle)nge”, explored change as both a challenge and an opportunity for women across the organisation. • Launched the “Women Empowerment – Financial Literacy Series” of micro-sessions to strengthen business thinking, financial understanding and confidence in decision-making, starting on 9 July with a session on “Transformation Mindset”, focusing on adaptability and value creation. Financial Inclusion – AFI • Founded in 2014 as a civil non-profit company and since 2023 as microfinance company, AFI promotes financial inclusion and entrepreneurship in Greece through microfinance services – Since November 2024, Eurobank holds 19.9% of the Company’s common shares and 100% of its preferred shares. • Since 2016, AFI has partnered with Eurobank under the Employment and Social Innovation ("EaSI") programme to provide guidance, training and advisory services to socially vulnerable groups and micro-businesses. Using funding from Eurobank for the Q3 of 2026, AFI granted loans totalling over €1.67m, with an average loan amount of €12.4k. Of the total number of loans disbursed, 35% were granted to borrowers aged 20–35. Additionally, 42% of all borrowers reside in rural areas, while 43% of the businesses that received financing are women- owned. Socio-Economic Impact • Through the joint “Marietta Giannakou” programme, Eurobank and the other three systemic banks supported the renovation of 240 additional schools during summer 2026, bringing the total to 670 schools over two years. The programme improves school facilities, including sanitation, playgrounds and accessibility infrastructure. • In partnership with linq, Eurobank funds the mprostagiatinpaideia.gr platform, bridging the gap between education and employment. The platform has facilitated 467 hires over two years, helping young people enter the workforce. • Through the “Moving Family Forward” initiative, Eurobank supports entrepreneurship in Evros in partnership with AFI Microfinance, offering residents financing on preferential terms. By Q3, 67 businesses had benefited, and the second application round has been completed. • 34 students, selected from a pool of 150 applicants, enrolled in the new cycle of the AUEB postgraduate programme, MSc in AI for Digital Transformation, Accessibility & Inclusion for Customers • Ιn 3Q 2026 the ATMs that are wheelchair accessible, reached 145 in total. • 213 branches (c. 80%) are wheelchair accessible, through step-free access, removable ramps or lifts • More than 1,000 Disability Cards have been registered in the Bank’s systems, enabling eligible customers to receive the applicable benefits. • 179 calls from customers with disabilities were prioritized for service through EuroPhone Banking. • 18 branches have been mapped to better support customers on the autism spectrum • The Accessibility Perception Score reached 76%, reflecting customers’ perception of how effectively the Bank ensures the accessibility of its services. • As of September 2026, 94% of frontline staff had completed training on accessibility services and functionalities. Well-being culture • As part of the myPROSPERITY “For My Soul Talks” initiative, Eurobank hosted 2 employee awareness sessions on Parenting in the Digital Age and on Family Dynamics Society 44
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Operational Impact Strategy Highlights – Governance & Business Internal Sustainability Engagement • 200 Eurobank TeamUp volunteers from Macedonia and Thrace joined forces with iSea NGO to clean up Galani beach on the Nestos River on 20 September, collecting 38 kg of waste and helping protect local biodiversity ahead of World Rivers Day. • Eurobank’s Running Team participated in Greece Race for the Cure® on 4 October 2026 in Athens, supporting breast cancer awareness and standing in solidarity with those affected. • 50 employees from Eurobank’s Running Team participated in the Spetses Mini Marathon, promoting teamwork and wellbeing through sport. The three-day event featured running, swimming and children’s races. Ethics and Transparency • Digital Operational Resilience Act (DORA) e-learning program for staff ran in Q3 2026, achieving a 97.5% completion rate. The program covered regulatory requirements, ICT risk management, security policies and timely incident reporting, strengthening cyber awareness and digital operational resilience across the Bank. • Women represent 33.3% of Eurobank’s Board of Directors, with four female members on the 12-member Board following the change in its composition in September 2026. Governance 45
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46 Sustainability Strategy: from delivery to Group-wide ambition CLOSING THE EXISTING STRATEGY NEW GROUP SUSTAINABILITY STRATEGY TOWARDS 2030 OIS Operational Impact Strategy 14 streams / commitments 46 active long- term targets 21 targets completed 20 carried into new strategy 5 now obsolete FIS Financed Impact Strategy 6 targets achieved 3 targets on track 1 maintained in new strategy One strategy • Group-wide scope SIX STRATEGIC PILLARS Transition Journey Sustainable Finance & Insurance Operational Excellence Corporate Culture & Governance Employee Engagement Societal Value, Transparency & Trust GROUP TARGETS Shared ambitions INTERNAL TARGETS Entity-specific delivery From OIS / FIS target delivery to an integrated, Group-wide sustainability framework
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47 Sustainability Ratings & Distinctions Distinctions Forbes 2026 Global 2000 - Highest-ranked Greek bank and first among all Greek companies included in the list. Global Finance magazine - Best Consumer Digital Bank in Greece & Best Corporate Digital Bank in Greece Ratings 11.2 Low Risk AA 64 B
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9M 2026 Results Macroeconomic update
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49 Macro outlook • The Euro area has shown resilience amid the Middle East conflict. ECB projections (Sep-26) point to GDP growth of 0.9% in 2026, up from 0.8% previously (Jun-26), with headline and core HICP inflation at 3.0% and 2.5%, respectively. However, the outlook remains uncertain, with a more prolonged energy supply shock posing downside risks to growth and upside risks to inflation. • Greece: GDP overperformance vs the Eurozone continues ❑ The Draft State Budget 2027 (Oct-26) incorporates permanent fiscal measures with a net annual cost of €4.1bn in 2026 and €7.3bn in 2027, including new measures costing €0.6bn and €2.3bn, respectively. Key priorities include tax relief, household income support, pensions, investment incentives and energy resilience. • Cyprus: strong fiscal position and broader economic resilience; over €270m support measures to mitigate cost-of-living pressures and provide temporary relief to tourism, aviation and agriculture; S&P sovereign rating upgrade to A from A-, with a positive outlook • Bulgaria: support measures of c. €280m implemented or approved by the EC. Aid scheme of €334mn for 2025-2028 for energy- intensive businesses which will invest on decarbonization; the recent 2026-2027 fiscal framework targets a deficit of 5.0% of GDP in 2026 – smaller than the 5.6% of GDP projection in the 2026 budget - and 4.3% in 2027, vs. 4.0% in 2025
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50 Macro highlights (Greece) Source: 2026 Budget, ECB, ELSTAT, European Commission, Eurostat, PDMA, Gr Ministry of Economy and Finance. ▪ The Greek economy remained resilient, expanding by 1.9% y-o-y in Q2 2026. Growth is expected to continue outperforming the euro area, primarily supported by investment, amid elevated geopolitical uncertainty. ▪ Inflationary pressures intensified, with HICP inflation reaching 5.1% y-o-y in September 2026, reflecting higher energy prices. Meanwhile, labour market conditions continued to improve, with unemployment declining to 7.4% in August 2026. ▪ Strong primary surpluses and sustained economic growth continue to support fiscal consolidation and debt reduction. Early debt repayments further reinforce Greece's debt-reduction strategy, although external risks remain elevated. 2025 2026e 2027f GR Real GDP Growth (%) 2.1% 2.0% 2.3% - Private Consumption (%) 2.0% 1.4% 1.5% - Public Consumption (%) 0.3% 1.1% 1.4% - Gross Fixed Capital Formation (%) 8.9% 7.7% 7.9% - Exports of Goods and Services (%) 1.7% 2.9% 3.1% - Imports of Goods and Services (%) -1.3% 4.4% 4.0% GR Inflation (HICP) (%) 2.9% 3.6% 2.4% GR Unemlpoyment (%) 8.9% 8.4% 7.9% GR Primary Balance (%GDP) 4.9% 3.6% 3.3% GR General Government Debt (%GDP) 146.1% 136.7% 128.8% EA Real GDP Growth (%) 1.4% 0.9% 1.2% EA Inflation (HICP) (%) 2.1% 3.0% 2.4% Brent ($/barrel) ($/barrel) 68.9 91.2 78.2 Budget Macroeconomic Projections
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51 3.0% 3.0% 2.0% 0.9% 0.6% 3.3% 2.8% 1.9% 1.4% 1.2% Cyprus Bulgaria Greece EU-27 Euro Area 1Q26 2Q26 Regional GDP growth continues to overperform the Euro Area Sources: ELSTAT, Eurostat, Eurobank Research. Economies in EU-27 (excluding Ireland and Luxembourg). Annual Real GDP growth 1H26 Greece GDP Growth Private Consumption +0.9% Government consumption +2.4% Fixed investments +9.0% Exports +2.4% Imports +3.0%
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52 Sources: IOBE, S&P Global, Eurobank Research High frequency indicators: Greece vs the Euro Area
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53 Real estate: apartment prices & retail and office prices (Greece) Sources: BoG, ELSTAT, Eurostat
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54 Source: ELSTAT Note: GG stands for General Government. The gross public debt forecast did not incorporate the early repayment of the GLF loans in June 2026. Consequently, the debt figures are expected to be even lower. Fiscal and current account balances (Greece) ▪ Greece’s fiscal position has strengthened materially, with the GG primary surplus rising to 4.9% in 2025; the headline GG balance posted a 1.7% of GDP surplus in 2025 versus a 2.9% EA deficit (Eurostat, Apr-26); The Draft State Budget 2027 (Oct-26) projects primary surpluses of 3.6% and 3.3% of GDP in 2026–27, respectively, and headline surpluses of 0.6% and 0.3%. ▪ Greece’s current account deficit narrowed to 5.7% of GDP in 2025 and is projected to widen to 6.6% in 2026 (IMF WEO, Oct-26). Risks remain tilted to the downside, mainly from stronger-than-expected goods imports, investment-related demand and elevated energy prices. GG overall & primary fiscal balances, public debt (% of GDP, ESA terms) Current Account Balance (% of GDP) -1.4 1.3 1.7 0.6 0.3 2.0 4.8 4.9 3.6 3.3 164.3 154.2 146.1 136.7 128.8 125.0 130.0 135.0 140.0 145.0 150.0 155.0 160.0 165.0 -2.0 -1.0 0.0 1.0 2.0 3.0 4.0 5.0 2023 2024 2025 2026e 2027f Fiscal General Government Balance % of Nominal GDP % of Nominal GDP -6.8 -7.2 -5.7 -6.6 -5.9 -8.0 -7.0 -6.0 -5.0 -4.0 -3.0 -2.0 -1.0 0.0 2023 2024 2025 2026e 2027f Current Account… % of Nominal GDP
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55 Sources: CYSTAT, Ministry of Interior, Eurobank Research Real estate volume steadily above 2025, towards a new all time high ▪ GDP growth acceleration to 3.3% in 2Q 2026 from 3.0% in 1Q 2026. The IMF (Oct-26) projected growth of 2.9% in 2026 and 3.2% 2027 ▪ Inflation at 5.2% in Sep-26, from 0.9% in Feb-26, mainly due to energy inflation (+21.5% from -8.8% in Feb.) and higher services inflation. The IMF foresees average inflation of 3.7% in 2026 and 1.9% in 2027, vs. 0.8% last year ▪ Unemployment rate down to 3.6% in 2Q 2026 from 4.0% in Q1, near the all-time low for this period in 2008 (3.2%) ▪ After a fall in March-April and near stabilization in May – August, tourist arrivals rose in September (+1.8%YoY), with the YtD average to -5.6% ▪ Real estate sales volume towards a new all-time high: +13.6%YoY in Jan-Sep ‘26. Stronger demand mainly by foreigners (+20.2% vs. +9.3%) Cyprus Tourism above last year’s all-time high in September after the fall in March-April 0 100 200 300 400 500 600 700 January February March April May June July August September October November December Thousands Tourist arrivals 2024 2025 2026 800 1000 1200 1400 1600 1800 2000 2200 Jan Feb Mar Apr May June July Aug Sep Oct Nov Dec sales per month Real Estate sales volume 2024 2025 2026
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56 Sources: Bulgarian National Bank, National Statistical Institute, Eurobank Research ▪ Growth at 2.8% in 2Q 2026, slightly weaker than 3.0% in 1Q 2026. The IMF expects real GDP to grow by 2.6% this year and 2.7% in 2027 ▪ Unemployment rises to 3.5% in 2Q 2026 from a historical low of 3.2% in the previous quarter ▪ Inflation acceleration to 5.6% in September from 4.5% in July, mainly due to energy prices; Projections of 4.9% in 2026, 4.8% in 2027 by the IMF ▪ Deteriorated external imbalances: the current account deficit more than doubled in January-July 2026 (+119.6%YoY), from a deterioration in the goods deficit and a weaker services surplus ▪ Despite robust credit expansion to the private sector, loans-to-GDP ratio remains below historical highs (48.3% in 2Q) Current account balance & components Credit supply Bulgaria -2.0 -1.5 -1.0 -0.5 0.0 0.5 1.0 1.5 Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 bn € Goods Services Primary income Current Account 37% 40% 43% 46% 49% 52% 0% 5% 10% 15% 20% 25% 30% 2019-Q2 2019-Q4 2020-Q2 2020-Q4 2021-Q2 2021-Q4 2022-Q2 2022-Q4 2023-Q2 2023-Q4 2024-Q2 2024-Q4 2025-Q2 2025-Q4 2026-Q2 % of GDP YoY change Loans to NFBs Consumer Loans Mortgages loans to priv. sector-right axis
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9M 2026 Results Appendix I – Supplementary information
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58 Greek Sovereign Credit Rating Cyprus Sovereign Credit Rating Bulgaria Sovereign Credit Rating Eurobank Long Term Eurobank Outlook Baa3 A3 Baa1 Baa1 Stable BBB A BBB+ BBB- Positive BBB A- BBB+ BBB Stable BBB A BBB high BBB high Stable Credit ratings Note: Moody’s: Long term senior unsecured debt rating of Eurobank S.A. (Greece). S&P Global Ratings, Fitch Ratings, Morningstar DBRS: Long term issuer ratings of Eurobank S.A. (Greece).
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59 Consolidated quarterly financials – Income statement (€ m) 3Q26 2Q26 1Q26 4Q25 3Q25 Net Interest Income 719.3 685.0 663.5 646.8 631.8 Commission income 216.3 210.6 203.0 213.2 192.8 Other Income 30.3 37.2 11.0 6.0 19.8 Operating Income 965.9 932.7 877.5 865.9 844.4 Operating Expenses (332.8) (331.8) (330.3) (327.7) (316.3) Pre-Provision Income 633.1 600.9 547.2 538.3 528.1 Loan Loss Provisions (76.9) (71.1) (76.5) (70.4) (82.2) Other impairments (10.9) (11.5) (3.2) (27.7) (7.1) Special Tax Levy (9.1) (8.9) (9.0) (8.8) (8.8) Associates 18.2 18.9 (3.9) 11.7 11.2 Adjusted Profit before tax 554.3 528.3 454.7 443.0 441.2 Adjusted Net Profit 432.6 425.4 350.9 354.5 347.0 Discontinued operations (1.4) - 19.2 (5.7) - Negative goodwill - - - - 20.51 Restructuring costs (after tax) & other (8.1) (18.5) (39.3) (20.3) (25.1)2 Net Profit / loss 423.1 406.9 330.8 328.6 342.4 1. CNP Cyprus insurance acquisition negative goodwill (provisional). 2. Including contribution to the Greek state’s infrastructure projects (-€19m) .
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60 Consolidated quarterly financials – Balance sheet (€ m) 3Q26 2Q26 1Q26 4Q25 3Q25 Consumer Loans 5,309 5,119 4,968 4,816 4,767 Mortgages 13,084 12,957 13,101 12,934 12,865 Household Loans 18,393 18,076 18,069 17,750 17,631 Small Business Loans 3,457 3,532 3,587 3,571 3,526 Corporate Loans 33,580 32,763 31,622 30,721 29,123 Business Loans 37,037 36,295 35,209 34,292 32,649 Senior notes 3,715 3,807 3,865 3,984 4,028 Total Gross Loans1 59,049 58,117 57,070 55,972 54,267 Total Deposits 87,182 86,399 82,448 82,704 78,999 Total Assets 114,234 112,943 108,007 107,976 102,969 1. Including Loans at FVTPL and fair value changes of loans in portfolio hedging of interest rate risk.
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61 1. Including Loans at FVTPL and fair value changes of loans in portfolio hedging of interest rate risk. Consolidated financials Income Statement (€ m) 9M26 9M25 Δ y-o-y (%) Net Interest Income 2,067.8 1,902.2 8.7 Commission income 629.8 557.2 13.0 Other Income 78.5 46.4 69.1 Operating Income 2,776.1 2,505.9 10.8 Operating Expenses (994.9) (930.4) 6.9 Pre-Provision Income 1,781.2 1,575.5 13.1 Loan Loss Provisions (224.5) (237.5) (5.5) Other impairments (25.6) (7.1) Special Tax Levy (27.0) (26.3) 2.8 Associates 33.2 34.9 (5.0) Adjusted Profit before tax 1,537.3 1,339.6 14.8 Tax (328.4) (281.9) 16.5 Adjusted Net Profit 1,208.9 1,057.7 14.3 Discontinued operations and Hellenic bank transactions 17.8 54.9 Restructuring costs (after tax) & other adjustments (65.9) (79.7) Net Profit / loss 1,160.8 1,032.9 12.4 Balance sheet – key figures (€ m) 9M26 9M25 Δ y-o-y (%) Consumer Loans 5,309 4,767 11.4 Mortgages 13,084 12,865 1.7 Household Loans 18,393 17,631 4.3 Small Business Loans 3,457 3,526 (2.0) Corporate Loans 33,580 29,123 15.3 Business Loans 37,037 32,649 13.4 Senior notes 3,715 4,028 (7.8) Total Gross Loans1 59,049 54,267 8.8 Total Assets 114,234 102,969 10.9 Total Deposits 87,182 78,999 10.6 Total equity 11,194 9,908 13.0 Tangible book value 9,468 8,929 6.0 Risk Weighted Assets 54,146 51,814 4.5 Other information (#) 9M26 9M25 Δ y-o-y (#) Headcount 12,084 12,464 (380) Branches & distribution network 551 562 (11)
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62 1. As reported to the Central Banks. Including period profits. 2. Adjusted profit before tax. 3. Adjusted net profit. 4. 2Q26. SEE operations key figures – 3Q26 Bulgaria Cyprus Lux Sum Balance Sheet (€m) Assets 14,849 29,430 3,139 47,418 Gross loans 10,140 9,265 1,062 20,467 Net loans 9,910 9,142 1,062 20,114 NPE loans 242 150 0 392 Deposits 11,688 24,268 2,669 38,625 CAD1 20.6% 35.5% 26.8%4 Income statement (€m) Core Income 147.4 252.9 17.4 417.7 Operating Expenses (48.7) (84.2) (11.7) (144.6) Loan loss provisions (23.9) (6.8) 0.0 (30.7) Profit before tax2 74.4 150.6 6.1 231.1 Net Profit3 63.5 125.2 4.7 193.4 Branches (#) Retail 181 52 - 233 Business / Private banking centers 11 15 3 29 Headcount (#) 3,143 2,694 163 6,000
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9M 2026 Results Appendix II – Glossary
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64 Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios This document contains financial data and measures as published or derived from the published consolidated financial statements which have been prepared in accordance with International Financial Reporting Standards (IFRS). Additional sources used, include information derived from internal information systems consistent with accounting policies and other financial information such as consolidated Pillar 3 report. The financial data are organized into two main reportable segments, Greece view and International Operations view. Greece view includes the operations of Eurobank S.A. and its Greek subsidiaries, incorporating all business activities originated from these entities, after the elimination of intercompany transactions between them. International Operations include the operations in Bulgaria, Cyprus and Luxembourg. Each country comprises the local bank and all local subsidiaries, incorporating all business activities originated from these entities, after the elimination of intercompany transactions between them.
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65 Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios Adjusted net profit: Net profit/loss attributable to equity holders of the parent company excluding restructuring costs, goodwill impairment / gain on acquisition, gains/ (losses) related to the transformation plan and NPE reduction plans, contributions to Greek States’s infrastructure projects, net gains/ (loss) from discontinued operations and income tax adjustments. APS: Asset Protection Scheme Adjusted Basic Earnings per share (Adjusted EPS): Net profit attributable to equity holders of the parent company, after deducting the coupons on AT1 capital instruments on an accrued basis (net of tax), divided by the weighted average number of ordinary shares outstanding, during the period. Basic Earnings per share (EPS): Net profit attributable to ordinary shareholders divided by the weighted average number of ordinary shares outstanding, during the period. Commission income: The total of Net banking fee and commission income and Income from non-banking services of the reported period. Core Pre-provision Income (Core PPI): The total of net interest income, net banking fee and commission income and income from non-banking services minus the operating expenses of the reported period. Common Equity Tier I (CET1): In accordance with the Regulation (EU) No 575/2013, as in force, Common Equity Tier I regulatory capital divided by total Risk Weighted Assets (RWAs). Core Operating Profit: Core pre-provision income minus impairment losses relating to loans and advances charged in the reported period Cost to core income: Total operating expenses divided by total core operating income. Core operating income is the total of net interest income, net banking fee and commission income and income from non banking services for the reported period. Cost to Income ratio: Total operating expenses divided by total operating income. Deposits Betas: The quantification of the interest rates pass through, that is the level of incorporation of the changes of monetary policy or money market Bor rates into Due to Customers interest rates. It’s calculated as the actual Deposits Client Rate cost divided by the Reference Bor Rate. Deposits Spread: Accrued customer interest expense over matched maturity and currency libor, annualized and divided by the reported period average Due to Customers. The period average for Due to Customers is calculated as the daily average of the customers’ deposit volume as derived by the Bank’s systems. Deposits Client Rate: Accrued customer interest expense, annualized and divided by the reported period average Due to Customers. The average for Due to Customers is calculated as the daily average of the customers’ deposit volume as derived by the Bank’s systems. ESG: Environmental Social Governance.
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66 Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios Fees & commissions over assets ratio: The Fees and commissions of the reported period, annualized and divided by the average balance of continued operations’ total assets (the arithmetic average of total assets, excluding those related to discontinued operations’, at the end of the reported period, at the end of interim quarters and at the end of the previous period). Forborne: Forborne exposures (in compliance with EBA Guidelines) are debt contracts in respect of which forbearance measures have been extended. Forbearance measures consist of concessions towards a debtor facing or about to face difficulties in meeting its financial commitments (“ financial difficulties”). Forborne Non-performing Exposures (NPF): Forborne Non-performing Exposures (in compliance with EBA Guidelines) are the Bank’s Forborne exposures that meet the criteria to be classified as Non-Performing. GHG: Greenhouse Gases emissions from human activities strengthen the greenhouse effect, causing climate change, mostly from burnin g fossil fuels. Liquidity Coverage Ratio (LCR): The total amount of high-quality liquid assets divided by net liquidity outflows for a 30-day stress period as per Regulation (EU) 2015/61. Loans to Deposits: Loans and Advances to Customers at amortized cost divided by Due to Customers at the end of the reported period. Loans Spread: Accrued customer interest income over matched maturity and currency libor, annualized and divided by the reported period average Gross 1Loans and Advances to Customers. The period average for Gross Loans and Advances to Customers is calculated as the weighted daily average of the customers’ loan volume as derived by the Bank’s systems. 1Up to FY-2017 Loans spread was calculated based on Net Loans & Advances to Customers. Comparatives have been restated accordingly Net Interest Margin (NIM): The net interest income of the reported period, annualized and divided by the average balance of continued operations’ total assets (the arithmetic average of total assets, excluding those related to discontinued operations, at the end of the reported period, at the end of interim quarters and at the end of the previous period). Net profit from continuing operations, before restructuring costs: Net profit from continuing operations after deducting restructuring costs net of tax Net Zero: a state of a business where we add no incremental greenhouse gases to the atmosphere. Emissions output is balanced with offse tting or removal of carbon from the atmosphere via carbon sinks. Non-performing exposures (NPEs): Non Performing Exposures (in compliance with EBA Guidelines) are the Group’s material exposures which are more than 90 days past-due or for which the debtor is assessed as unlikely to pay its credit obligations in full without realization of collateral , regardless of the existence of any past due amount or the number of days past due. The NPEs, as reported herein, refer to the gross loans at amortised cost except for those that have been classified as held for sale.
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67 Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios NPE Coverage ratio: Impairment allowance for loans and advances to customers and impairment allowance for credit related commitments (off balance sheet items), divided by NPEs at the end of the reported period. NPE ratio: Non Performing Exposures (NPE) at amortized cost divided by Gross Loans & Advances to Customers at amortized cost at the end of the reported period. NPEs formation: Net increase/decrease of NPEs in the reported period excluding the impact of write offs, sales & other movements. Other Income: The total of net trading income, gains less losses from investment securities and other income/ (expenses) of the reported pe riod. Pre-provision Income (PPI): Operating income minus operating expenses as disclosed in the financial statements for the reported period. Provisions (charge) to average net loans ratio (Cost of Risk): Impairment losses relating to loans and advances charged in the reported period, excluding the amount associated with loans and advances to customers at amortized cost classified as held for sale, annualised and divided by the average balance of loans and advances to customers at amortised cost (the arithmetic average of loans and advances to customers at amortised cost, at the end of the reported period, at the end of interim quarters and at the end of the previous period). Provisions/Gross Loans: Impairment Allowance for Loans and Advances to Customers including impairment allowance for credit related commitments (off b alance sheet items)-divided by Gross Loans and Advances to Customers at amortized cost at the end of the reported period. Return on tangible book value (RoTBV): Adjusted net profit, after deducting the coupons on AT1 capital instruments on an accrued basis (net of tax), divided by average tangible book value. Tangible book value is the total equity excluding preference shares, AT1 capital instruments and non controlling interests minus intangible assets. Risk-weighted assets (RWAs): Risk-weighted assets are the Group's assets and off -balance-sheet exposures, weighted according to risk factors based on Regulat ion (EU) No 575/2013 as in force, taking into account credit, market and operational risk. POCI loans: Purchased or originated credit – impaired financial assets Total Capital Adequacy ratio: In accordance with the Regulation (EU) No 575/2013, as in force, Total regulatory capital divided by total Risk Weighted Asse ts (RWAs). Tangible Book Value: Total equity excluding preference shares, AT1 capital instruments and non controlling interests minus intangible assets Tangible Book Value/Share: Tangible book value divided by outstanding number of shares as at period end excluding own shares. ISO 14064-1:2018: Specification issued by the International Standards Organization (ISO) with guidance at the organization level for quantifica tion and reporting of greenhouse gas emissions and removals.
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Investor Relations contacts Dimitris Nikolos +30 214 4058 834 dnikolos@eurobank.gr Yannis Chalaris +30 214 4058 832 ychalaris@eurobank.gr Christos Stylios, CFA +30 214 4058 833 cstylios@eurobank.gr Constantinos Pittalis c.pittalis@eurobank.cy Investor Relations Division +30 214 4058 834 investor_relations@eurobank.gr Reuters: EURBr.AT Bloomberg: EUROB GA Website: www.eurobank.gr