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Banco Desio PRESS RELEASE CONSOLIDATED RESULTS AS AT 30 JUNE 2026 Consolidated net profit for the first half of 2026 amounted to Euro 76.1 million ( + 8.0 % compared to H1 2025 ) Solid profitability with annualised ROE at 9.8 % Revenue growth ( + 8.5 % ) with net interest income ( + 2.8 % ) and net fee and commission income ( + 17.9 % ) supported by Bancassurance Cost income at 55.9 % ( previously 59.3 % at H1 2025 ) Significant development of indirect funding of Euro 26.1 billion ( + 10.6 % compared to YE 2025 ) , also supported by the entry of SCM SIM into the Group Gross NPE ratio at 2.9 % and cost of risk at 31 bps¹ Capital solidity confirmed with CET 1 at 17.7 % and TCR at 18.7 % Desio , 30 July 2026 - The Board of Directors of Banco di Desio e della Brianza S.p.A. approved the " Consolidated Half - Year Financial Report as at 30 June 2026 " . The main income statement and balance sheet indicators for the period are summarised in the table below . PROFITABILITY Consolidated net profit of Euro 76.1 million , up 8.0 % compared to H1 2025 ROE annualised at 9.8 % ( 9.3 % at the end of 2025 ) with cost of risk at 31 bps¹ ( 33 bps at the end of 2025 ) ➤ Operating profit of Euro 143.0 million , with net interest income and net fees up 2.8 % and 17.9 % respectively ➤ Cost / income ratio 2showing an improvement at 55.9 % ( 59.3 % at H1 2025 ) ➤ Loans ( gross ) to ordinary customers up at Euro 12.8 billion ( + 1.2 % ) with additional disbursements to households and companies during the half - year of Euro 1.5 billion ➤ Direct inflows of Euro 16.7 billion ( -0.1 % ) ³ GROWTH AND SUPPORT FOR THE ECONOMY ➤ RELIABILITY Indirect inflows grew strongly to Euro 26.1 billion ( +2.5 billion , of which ordinary customers increased by 2.0 billion , supported by the positive contribution of Euro 0.9 billion from SCM SIM , which joined the Group on 30 April 2026 ) , in particular thanks to the contribution of Wealth Management ( assets under management ) , which grew with assets of Euro 11.8 billion ( +1.5 billion compared to the end of the previous year ) Incidence of impaired loans : Gross NPL ratio at 2.9 % and net NPL ratio at 1.5 % ( 2.7 % and 1.4 % respectively at the end of 2025 ) ➤ Coverage levels on non - performing loans 4 at 49.8 % ( coverage on NPLs net of government guarantees at 54.8 % ) and on performing loans at 0.87 % Solid liquidity position with LCR at 178.8 % ( previously 208.8 % ) and NSFR at 138.4 % ( previously 138.3 % ) ➤ Capital ratios which , discounting in full the capital impacts of the buyback ( -40 million on the Banco Desio regulatory capital ) , are confirmed to be well above the regulatory requirements Coefficients CAPITAL SOLIDITY 5 CET 1 TIER 1 Total Capital SUSTAINABILITY Banco Desio Brianza 20.2 % 20.2 % 21.3 % Banco Desio Group 17.7 % 17.7 % 18.7 % Brianza Unione Group6 13.0 % 13.8 % 15.7 % ➤ MSCI assigned Banco Desio the MSCI ESG Rating , expressing the rating of " A " ➤ Standard Ethics raised the Banco Desio Long - Term Expected rating to " EE + / Very Strong " and confirmed the Corporate SER Rating at " EE / Strong " For further information , see bancodesio.it/it/media The notes are provided at the end of this document . Approval of the Consolidated Half - Year Financial Report as at 30 June 2026 | Page 1