Piraeus Financial Holdings S.A

Piraeus Financial — Piraeus Bank — 9M 2026 Earnings Presentation

69 slides from Piraeus Financial's earnings presentation, Oct 30, 2026

  1. Slide 1: Nine Month 2026 Financial Results

    Nine Month 202 6 Financial Results 30 October 2026

  2. Slide 2: Contents

    CONTENTS 01 02 03 04 05 Executive Piraeus’ Financial Sustainability Annex Summary Performance Analysis 9M.2026 FINANCIAL RESULTS • vs Peers & Business Highlights

  3. Slide 3: Executive Summary

    Mt 01 Executive Summary | a we

  4. Slide 4: Greece keeps outgrowing the Eurozone

    Greece keeps outgrowing the Eurozone, underpinned by solid fundamentals and sustained investments ▪ The Greek economy is expected to continue Real GDP, % yoy outperforming the Eurozone, supported by a H1.26 at 1.9% vs sound fiscal framework, ongoing reforms and 2.1% sustained investment 1.9% 0.9% in

  5. Slide 5: 9M.26: EPS €0.68, +10% yoy, on track for 2026 target

    9M.26: EPS € 0.68, +10% yoy, on track for 2026 target of c. € 90c; burgeoning Q3 NII +15% yoy, +7% qoq 1 €930mn core operating profit +14% yoy, driven by strong dynamics in NII, revenues from services and cost efficiency; reported net profit at €893mn 2 15.4% RoaTBV in 9M Compared to 14.7% in 9M.25,

  6. Slide 6: Q3.26 core operating profit up 10% yoy

    Q3.26: €30 1mn core operating profit, up 10% yoy, driven by strong top line dynamics Group Figures (€mn ) Q3.25 Q2.26 Q3.26 9M.26 Net interest income 471 509 542 1,532 NII +7% qoq Revenues from services 164 251 217 679 Fees/assets 98bps Core revenues Operating expenses (206) (244) (231) (722) €2.2bn

  7. Slide 7: NII growth accelerated at +7% qoq; NIM climbs to 2.3%

    ΝΙΙ growth accelerated at +7% qoq , driven by rates and spread discipline; NIM climbs to 2.3% Net interest income (€mn) Q1.26 Delta Q2 Q2.26 Delta Q3 Q3.26 Loans 440 +20 460 +28 488 ▪ Loan interest income increased 6% qoq , mainly due to rate tailwinds kicking -in Bonds 144 +18 163 +9 172 ▪ +€3bn bo

  8. Slide 8: €2.2bn net credit expansion in 9M

    +€ 2.2bn net credit expansion in 9M, on track to meet target of > €3 bn for 2026 Out of €3.2bn disbursements in Q3 : Performing loans evolution ( €bn) ▪ c.€1.2bn to small / medium Loan growth +6% ytd enterprises and agri ▪ c.€1.7bn to corporate , structured 39.0 +3.2 39.6 finance and shipping 37.3 +

  9. Slide 9: Growing corporate lending with pricing discipline

    Growing corporate lending with pricing discipline New corporate loans yields (%) Piraeus business loans spreads vs Greek peers (%) 2.4% 4.4% 4.2% 4.3% 2.3% 4.3% 2.2% 3.8% 3.8% 3.7% 3.7% 3.9% 4.0% 2.1% 2.2% 2.1% 2.1% 2.09% 2.2% 2.05% EXECUTIVE SUMMARY Q3.25 Q4.25 Q1.26 Q2.26 Q3.26 1.8% 1.8% 1.8% 1.7%

  10. Slide 10: Orderly time deposit repricing keeps funding costs low

    Orderly time deposit repricing keeps funding costs low ▪ First demand deposit balances Deposit cost evolution have grown by c.€4.5bn over the past year Deposits Deposit costs (stock) Q1.26 Q2.26 Q3.26 Sep.26 Sep.26 ▪ Time deposit balances have First demand deposits cost (%) 0.07% 0.07% 0.09% 0.09% €

  11. Slide 11: Revenues from services: Ethniki Insurance leads the way

    Revenues from services: Ethniki Insurance leads the way in an acceleration across all key business lines Revenues from services ( € mn) ▪ Solid yoy growth in Q3 loan related fees driven by increasing Q3.25 Q2.26 Q3.26 Q3 yoy 9M.26 9M yoy disbursements. Investment Financing Loans 26 48 27 5% 109 27%

  12. Slide 12: Ethniki Insurance: 9M performance ahead of targets

    Ethniki Insurance: 9M performance ahead of targets, driven by solid trends in health ▪ Preparing for the next phase of Group 9M.26 GWP by business line & by channel (%) Ethniki Insurance KPIs integration, supporting accelerated growth from 2027 onwards On track to exceed 2026 ▪ Through the ‘Simply F

  13. Slide 13: WAM: Strong growth in AuM continues

    WAM: Strong growth in AuM continues, with + € 1.3bn net inflows year -to-date above FY target ▪ AuM growth +17% year -to-date +48% withstanding increased volatility in markets 16.9 ▪ FY .26 budget already met at H1 ▪ Launch of Optimum International, the 14.5 new generation of Optimum portfolios, 6.4

  14. Slide 14: Investing for growth while maintaining best-in-class efficiency

    Investing for growth while maintaining best -in-class efficiency Operating expenses (€mn) Q3.25 Q2.26 Q3.26 9M.26 Staff 98 119 106 328 G&A 70 73 74 241 Depreciation 33 33 33 97 Like -for -like OpEx 200 225 213 666 Snappi 6 8 7 22 Ethniki Insurance transaction 5 0 0 0 Ethniki Insurance OpEx 0 11 12 3

  15. Slide 15: Solid asset quality with NPE ratio down to 2.0%

    Solid asset quality maintained with NPE ratio down to 2.0% NPE balance evolution ( €bn) 0.9 1.0 0.9 0.9 Q1.26 Q2.26 Q3.26 9M.26 Q1.26 Q2.26 Q3.26 9M.26 Organic cost of risk ( CoR ) 0.3% 0.6% 0.8% 0.6% o/w 0.4% for o/w underlying CoR 0.2% 0.4% 0.6% held for sale 0.4% portfolio NPE ratio 2.1% 2.2% 2.0

  16. Slide 16: Exceptional liquidity supporting growth and strategic optionality

    Exceptional liquidity supporting growth and strategic optionality ▪ LCR position sustainably >200% LCR (%) Liquidity KPIs ▪ Deposits up 9% yoy, impacted by increased capital markets activity from Greek corporates Dec.25 Jun.26 Sep.26 216% ▪ Strong cash position utilized in 9M to 212% fund solid loan

  17. Slide 17: Organic capital generation supports growth and shareholder returns

    Organic capital generation supports growth and shareholder returns CET1 trajectory 9M.26 (%) 12.7% 12.8% +0.9% DTC/CET1 at 51% +0.2% 12.9% (0.3% ) ▪ +c.10bps CET1 (0.5% ) (0.2%) ratio pro forma for Ethniki Insurance 57% distribution Solvency II EXECUTIVE SUMMARY accrual including ratio at 150% DTC a

  18. Slide 18: Investment grade across all agencies; comfortable MREL buffer

    Investment grade across all agencies; comfortable MREL buffer MREL requirement MREL position (30 Sep. 26) Debt securities outstanding (Face value €bn) 2026 Senior Preferred (SP) 2.00 28.3% Green SP 2.15 27.6% Tier 2 1.15 4.1% Combined AT1 1.00 buffers Senior bonds & other 9.7% senior liabilities Tot

  19. Slide 19: Snappi: 260k users and €130mn deposits

    Snappi : 260k users and €130mn deposits, and accelerating Traction to date ~260k ~23k ~€130mn ~3.5k ~25% App users Loans disbursed Deposits gathered S-Invest users Snappi customers that at a rate of c. €1mn a day launched Sep.26 are Piraeus customers Innovation platform for retail banking Growth dri

  20. Slide 20: Snappi year one: ahead of leading neobanks

    Snappi year one: ahead of leading neobanks at the same point snappi Peer 1 Peer 2 Peer 3 Peer 4 Public launch Sep.25 May.17 Mar.16 Jul.15 Jan.15 Figures at about month 12 after launch Users / card holders ~260k ~210k ~100k ~200k ~100k Share of population 2.6% 0.3% 0.2% 0.3% 0.1% Customer deposits (

  21. Slide 21: Strong 9M execution reinforces confidence in 2026 targets

    Strong 9M execution reinforces confidence in 2026 targets FY.25 Q3.26 9M.26 FY.26 actual actual actual targets Earnings per share (reported €) €0.82 €0.21 €0.68 ~€0.9 on track RoaTBV (normalized %) 15.6% 13.7% 15.4% ~15% on track NII / assets (%) 2.2% 2.3% 2.2% ~2.2% upside Revenues from services /

  22. Slide 22: 2026 performance sets foundation for 2027 aspiration revision

    2026 performance sets the foundation for 2027 aspiration revision FY.26 targets Mar.26 CMD Revised 2027 aspiration 2027 aspiration Earnings per share ( reported yoy % growth) ~10% 9% p.a. ~10% RoaTBV (normalized %) ~15% ~15% >15% NII / assets (%) ~2.2% ~2.3% >2.4% EXECUTIVE SUMMARY Revenues from ser

  23. Slide 23: Piraeus' Performance Vs Peers

    02 Piraeus’ Performance Vs Peers 23

  24. Slide 24: Piraeus: the leading bank in Greece

    Piraeus: the leading bank in Greece #1 in performing loans (26% Greek market share) #1 in deposits ( 28% share) #1 in equities brokerage (2 5% share) PIRAEUS’ PERFORMANCE VS PEERS #1 in retail footprint, with 367 branches and 1, 500 ATMs 4.5mn clients nationwide, 2.0mn clients in Ethniki Insurance A

  25. Slide 25: Loan growth ahead of EU average

    Loan growth ahead of EU average Performing loan growth (yoy) +8% +6% PIRAEUS’ PERFORMANCE VS PEERS Jun.26 Sep.26 02 • Source: ECB Supervisory Banking Statistics Q2.2026 from 111 Significant EU Institutions 25

  26. Slide 26: NIM far above European average

    NIM far above European average Net interest income over average assets (bps) 221 135 PIRAEUS’ PERFORMANCE VS PEERS H1.26 9M.26 02 • Source: ECB Supervisory Banking Statistics Q2.2026 from 111 Significant EU Institutions 26

  27. Slide 27: Fees best in Greece and well above EU average

    Fees best in Greece and well above EU average Revenues from services over average total assets (bps) 98 69 Greek peers avg at 71bps PIRAEUS’ PERFORMANCE VS PEERS H1.26 9M.26 02 • Source: ECB Supervisory Banking Statistics Q2.2026 from 111 Significant EU Institutions; Greek peers data derived from H1

  28. Slide 28: Best-in-class cost efficiency

    Best -in-class cost efficiency Cost -to-income ratio (%) 53% PIRAEUS’ PERFORMANCE VS PEERS 33% Η1.26 9M.26 02 • Source: ECB Supervisory Banking Statistics Q2.2026 from 111 Significant EU Institutions 28

  29. Slide 29: Return on tangible book value well above EU average

    Return on tangible book value well above EU average RoaTBV (%) 15.4% 11.6% PIRAEUS’ PERFORMANCE VS PEERS H1.26 9M.26 02 • Source: ECB Supervisory Banking Statistics Q2.2026 from 111 Significant EU Institutions 29

  30. Slide 30: Piraeus trades below EU banks with similar earnings

    Piraeus trades below EU banks that have similar earnings and yet are growing more slowly than Piraeus P/TBV multiple for 2028 1 | LTM loan growth (%) PB share price ( € ) Implied P/TBV 28e ~1.5x ~€11.0 P/TBV 28e ~20 % 1.25x €9.1 8% 1.5x 1.25x 6% PIRAEUS’ PERFORMANCE VS PEERS P/TBV 28e P/TBV 28e LTM

  31. Slide 31: Financial Analysis & Business Highlights

    03 Financial Analysis & Business Highlights 31

  32. Slide 32: Balance sheet strength driving earnings and growth capacity

    Balance sheet strength driving earnings and growth capacity ▪ Customer loans comprise 48% of assets Asset vs funding mix - Sep.26 ▪ Fixed income portfolio comprises 22% of assets amounts in €bn Total 94.6 94.6 Total Cash 6.7 3.8 Interbank ▪ Fixed income holdings of Greek sovereign at €11.3bn, 5.9 ot

  33. Slide 33: Broad-based credit expansion across segments

    Broad -based credit expansion across segments with renewed household growth Performing loans evolution ( € bn) ▪ Acceleration of growth in 2024 & 2025; household Performing loans yields, % lending turned positive after 15 years 3.6% 4.0% 6.3% 6.4% 5.0% 4.8% CAGR CAGR ▪ Total of €2.1bn RRF 2021-Sep.2

  34. Slide 34: CIB: national champion platform

    CIB: national champion platform capturing high -quality corporate demand 9M.26 CIB net credit expansion breakdown by sector ( €mn) Net credit Sector Disbursements # Customers expansion SME 1,605 134 1,575 Focus on SME servicing: 26 NPS vs 15 -20 market avg in SEE Shipping 1,622 886 77 Handpicked, hi

  35. Slide 35: Retail: Mortgage disbursements accelerating

    Retail: Mortgage disbursements in an accelerating trajectory, up c. 37% yoy in 9M ▪ Average LTV c.60% for new Mortgages ( €mn) disbursements NCE +9 +135 +110 ~200 ▪ Leveraging the Piraeus branch network and developing digital ~800 platforms; AI -enabled lending 589 680 430 platform being introduced

  36. Slide 36: Diversified loan book underpinning resilient growth

    Diversified loan book underpinning resilient growth Group loan composition ( € 39.6b n at Sep .26, %) Q3.26 CIB disbursements breakdown Mortgages 16% Industry mix % Retail loans Transportation (incl. shipping) 29% 20% Consumer 5% Energy 15% Manufacturing 11% Shipping 10% Wholesale & retail trade 11%

  37. Slide 37: Loan yields get tailwind from base rates

    Loan yields get tailwind from base rates and controlled spread compression ▪ c.€28.0bn are Euro floating rate Performing loan yields & spreads loans, c. €5.0bn are Libor floating rate loans, while c. €6.5bn are fixed or bank determined rate loans Loan portfolio yields Q4.25 Q2.26 Q3.26 Δ vs Q4.25 PE

  38. Slide 38: Strong deposit growth, +€5.5bn yoy

    Strong deposit growth, + €5.5bn yoy, supporting funding stability and balance sheet expansion Customer deposit movement ( €bn) Deposit movement by segment ( €bn) 69.2 62.9 66.1 +3.5 +0.8 59.6 +1.2 +0.8 +2.3 +1.4 +1.0 +2.2 Dec.25 Q1.26 Q2.26 Q3.26 Sep.26 -1.4 -1.2 -1.0 balance delta delta delta balan

  39. Slide 39: Loan yields and deposit costs recovering with base rates

    Loan yields and deposit costs are recovering along with base rates Group Interest income ( €mn) Yields (%) Average balances ( €bn) Q3.25 Q4.25 Q1.26 Q2.26 Q3.26 Q3.25 Q4.25 Q1.26 Q2.26 Q3.26 Q3.25 Q4.25 Q1.26 Q2.26 Q3.26 Customer loans 437 441 440 460 488 3.99% 3.97% 4.00% 4.03% 4.20% 42.9 43.5 44.0

  40. Slide 40: Capital position exceeds the P2G level by c.260bps

    Capital position exceeds the P2G level by c. 260bps; P2G requirement at 1.00% Capital ratio | Sep .26 Regulatory capital requirements €bn | % Reported Capital requirement components (%) 2025 2026 CET -1 capital 4.9 Pillar 1 requirement 8.00% 8.00% Tier 1 capital 5.9 Pillar 2 requirement 2.90% 2.90%

  41. Slide 41: Active management of NPE inflows and restructurings

    Active management of NPE inflows and restructurings sustain low risk profile Group NPE movement ( € mn) Forborne NPEs (Sep.26) Q3.25 Q4.25 Q1.26 Q2.26 Q3.26 NPEs | beginning of period 1,086 1,088 899 930 1,011 Redefaults 7 5 5 4 6 Defaults 47 75 86 138 98 0.9 0.9 Total inflows 54 80 91 141 104 FINAN

  42. Slide 42: NPE coverage supports downside protection

    NPE coverage supports downside protection NPE ratio per product category NPE coverage ratio per product 111%110% Jun.26 Sep.26 Jun.26 Sep.26 6.1% 78% Includes paying 6.0% 72% credit impaired 67% mortgage 4.8% 58% exposures 4.5% 42% 34% FINANCIAL ANALYSIS & BUSINESS HIGHLIGHTS 2.2% 2.0% 1.6% 1.3% Tot

  43. Slide 43: Retail Banking: leveraging nationwide network

    Retail Banking: leveraging nationwide network and wide clientele base with new business initiatives Performing loans ( €bn) Net fee income ( € mn) €mn 9M.25 9M.26 Total net revenues 861 1,039 Total operating costs (333) (361) Pre provision income 528 678 Impairments (119) (36) 10.6 10.6 Pre tax prof

  44. Slide 44: Corporate & Investment Banking: solid profitability

    Corporate & Investment Banking: solid profitability driven by best -in-class volume growth Performing loans ( €bn) Net fee income ( € mn) €mn 9M.25 9M.26 Total net revenues 634 729 Total operating costs (138) (140) Pre provision income 496 588 29.0 Leasin g/ Impairments (45) (134) 26.8 1.6 factoring

  45. Slide 45: Treasury & Financial Markets

    Treasury & Financial Markets: consistent execution of strategy in fixed income markets Fixed income securities per issuer ( €bn) Fixed income securities per category ( €bn) €mn 9M.25 9M.26 Total net revenues 441 299 Total operating costs (43) (35) Yield 3.0% 3.0% 3.3% Pre provision income 398 264 21

  46. Slide 46: Sustainability

    04 Sustainability 46

  47. Slide 47: Creating value through sustainable banking

    Creating value through sustainable banking Strengthening our Accelerating the transition Delivering positive social sustainability performance and supporting our clients impact Sustainability embedded in the core strategy €5 .2bn in sustainable financing as of Sep.26 Sustainability that delivers mea

  48. Slide 48: Demonstrating tangible progress with clear targets

    Demonstrating tangible progress with clear targets for long -term value creation Our sustainability performance 1 Targets and ambitions 2 Sustainable financing volumes (Sep.26) €5. 2 bn ~€7.1 bn New generation of Sustainable financing €1.1 bn ~€2.0 bn Sustainable banking Green funding (deposits & bo

  49. Slide 49: Financed emissions sectoral decarbonization targets

    Financed emissions sectoral decarbonization targets Climate Transition Plan Piraeus conducted a structured methodology approach for preparing the financed emissions sectoral decarbonization objectives . This methodology reflects the Bank’s strategic objective to proactively manage climate transition

  50. Slide 50: Annex

    05 Annex 50

  51. Slide 51: Greek economy to continue growing at healthy pace

    Greek economy to continue growing at healthy pace • Greek GDP growth > EU average 2024 2025 2026 2027 actual actual estimate estimate • Strong foundations for sustainable growth Real GDP 2.1% 2.1% 1.9% 1.7% • Tourism, FDI & consumption drive growth • Investment grade status regained Nominal GDP 5.6%

  52. Slide 52: Solid economic momentum, increasing employment and record tourism

    Solid economic momentum, with increasing employment and record tourism Economy on a recovery path both in Nominal & Real terms. …with headline inflation impacted by energy prices GDP expected to grow at higher levels compared to the EU… 20.0 14.0 Headline Inflation (CPI) Sep -26 Q2.26 Core Inflation

  53. Slide 53: Favourable Greek economic profile with investment grade status

    Favourable Greek economic profile with the sovereign at investment grade status and RRF contribution Solid FDI flows reflecting strong potential in key sectors Greek sovereign upgraded to investment grade by all rating agencies; reflecting effectiveness of fiscal discipline and reforms €52.8 bn in a

  54. Slide 54: Shareholder structure skewed to international investors

    Shareholder structure skewed to international investors Shareholder structure (Sep.26) ▪ Shareholder structure of Piraeus Bank presents great diversity; total number of common shareholders c.23k Greek Rest of World Legal Entities ▪ In Mar.24, Piraeus returned to fully privatized status, following th

  55. Slide 55: Credit ratings

    Credit ratings Greek sovereign Piraeus Bank Piraeus Bank Piraeus Bank Credit rating Long term Outlook Senior Preferred 28 September 2026 Baa3 Baa1 Positive Baa2 20 July 2026 BBB BBB - Stable BBB - ANNEX 05 • 1 July 2026 BBB BBB - Positive BBB - Moody’s rating refers to long term deposit rating; date

  56. Slide 56: Publicly-placed outstanding senior debt issuance

    Publicly -placed outstanding senior debt issuance €500mn 3.875% €500mn 7.25% €500mn 6.75% €500mn 5.00% €650mn 4.625% €500mn 3.000% €500mn 3.375% €500mn 4.000% 6NC5 SP Green Notes 5NC4 SP Notes 6NC5 SP Notes 6NC5 SP Notes 5NC4 SP Green Notes 3.5NC2.5 SP Green 6NC5 SP Green Notes 6NC5 SP Notes due 202

  57. Slide 57: Publicly-placed outstanding capital instruments

    Publicly -placed outstanding capital instruments €500mn 7.250% €650mn 5.375% €400mn 6.75% €600mn 6.125% 10.25NC5.25 Tier 2 due 2034 11NC6 T2 Notes due 2035 PerpNC5.5 AT1 Notes PerpNC7 AT1 Notes Issuer Piraeus Bank S.A. Piraeus Bank S.A. Piraeus Bank S.A. Piraeus Bank S.A. Additional Tier 1 - Fixed R

  58. Slide 58: Outstanding debt redemption profile

    Outstanding debt redemption profile Outstanding debt call dates ( € mn) 5NC4 SP Green 11NC6Tier 2 PerpNC7 Jul.28 Jun .30 AT1 Notes 6NC5 5NC4 3.5NC2.5 6NC5 10.25NC5.25 6NC5 Oct.32 6NC5 6NC5 SP Green SP Notes SP Green SP Notes Tier 2 SP Notes SP Green SP Notes Nov.26 Jul.27 Dec.27 Dec.28 Jan .29 Apr.2

  59. Slide 59: Group balance sheet evolution

    Group balance sheet evolution Group balance sheet (€ mn) Sep.25 Jun.26 Sep.26 qoq yoy Cash & balances with central banks 6,616 5,366 6,723 25% 2% Loans & advances to banks 3,037 4,809 4,207 -13% 39% Gross loans 43,359 46,310 45,780 -1% 6% (Loans loss reserves) (791) (802) (669) -17% -15% Securities/

  60. Slide 60: Group results | quarterly evolution

    Group results | quarterly evolution (€mn) Q3.25 Q4.25 Q1.26 Q2.26 Q3.26 Net interest income 471 477 481 509 542 Revenues from services 164 206 210 251 217 Net trading result 19 35 (18) 21 (19) Other operating result (including dividend income) (5) 4 (14) 7 (10) Total net revenues 648 723 660 788 730

  61. Slide 61: Loan and deposit portfolios

    Loan and deposit portfolios Gross loans evolution ( €mn) Due to customers evolution ( €mn) Dec.24 Sep.25 Dec .25 Jun.26 Sep.26 qoq yoy Dec.24 Sep.25 Dec.25 Jun.26 Sep.26 qoq yoy Group Group 62,853 63,869 66,544 68,810 69,595 1% 9% 40,456 43,154 43,488 45,312 45,732 1% 6% Savings 24,509 24,017 25,097

  62. Slide 62: IFRS9 stage analysis | Group

    IFRS9 stage analysis | Group Gross loans Dec.171 Dec.18 1 Dec.19 1 Dec.2 0 1 Dec.21 1,2 Dec.22 1,2 Dec.23 1,2 Dec.24 1,2 Sep.25 1,2 Dec.25 1,2 Sep.26 1,2 Δ yoy (€bn) Stage 1 19.1 17.6 18.4 19.6 26.5 30.4 32.3 36.2 39.3 39.8 42.0 7% Stage 2 6.3 6.6 5.7 6.0 5.6 4.3 3.8 3.1 2.8 2.7 2.5 -9% Stage 3 32.9

  63. Slide 63: Definitions of APMs

    Definitions of APMs 1 1 Core operating profit Profit for the period less (-) trading income (-) other operating income (-) dividend income (-) extraordinary items (as defined herein) (-) non-controlling interest 2 Core revenues Net interest income plus (+) revenues from services Impairment (losses)/

  64. Slide 64: Definitions of APMs

    Definitions of APMs 21 Net revenues Total net income The ratio between the amount of available stable funding relative to the amount of required stable funding based on Regulation 2019/876 of the European Parliament. The standard requires a 22 Net stable funding ratio (NSFR) minimum amount of fundin

  65. Slide 65: Definitions of APMs

    Definitions of APMs Return on average tangible book value Net profit, normalized (as defined herein) annualized minus (-) AT 1 coupon payment over (/) average Tangible Book Value for the period (as defined herein) . Net profit 34 (RoaTBV), normalized normalized is calculated on an annualized basis f

  66. Slide 66: Glossary

    Glossary Assets under management (AuM) include Piraeus Asset Management MFMC assets, plus (+) Piraeus’ Securities' equity brokerage custody assets and private banking, plus 1 Assets under management (AuM) (+) institutional portfolios’ assets which includes Iolcus AuM 2 C/I Cost -to -Income The Depos

  67. Slide 67: Disclaimer

    Disclaimer General This presentation pertaining to Piraeus Bank S.A. (“Piraeus Bank”, “Piraeus Bank S.A.” or to the “Bank”) and its subsidiaries and affiliates (the “Group” or “we”), its business assets, strategy and operations is solely for informational purposes . It is hereby noted that on 19.12.

  68. Slide 68: Contact information

    Contact information Theo Gnardellis Chief Financial Officer Xenofon Damalas Head of Group Investor Relations Amalia Missailidi Senior IR Manager | Credit Ratings Vangelis Pilios Senior IR Manager | Equity Analysts Nina Lykou Senior IR Manager | Fixed Income & ESG Yvonne Papageorgiou Senior IR Manage

  69. Slide 69: Piraeus

    // Piraeus

Piraeus Bank — 9M 2026 Earnings Presentation on 6ix