Presentation (Addiko Group AGM 2026 CEO Presentation en 1)

‌Annual General Meeting 2026

20 April 2026

• ‌Net profit of €44.0m (-3.1% vs 2024's €45.4m), EPS at €2.28

  Earnings &

  Asset Quality

  − Profit for Q4 2025 after tax at €8.7m (1Q25: €14.5m, 2Q25: €9.5m, 3Q25: €11.3m)

  − Cost of Risk on net loans at -0.96% or €-35.2m (2024: -1.03% or €-36.0m)

• Return on average Tangible Equity at 5.2% (2024: 5.7%)
• Operating result at €109.8m compared to €112.3m (2024), primarily reflecting the lower

  interest rate environment and higher general administrative expenses

• NPE volume reduced to €125.5m (YE24: €144.7m), NPE ratio (on balance loans) down to 2.5% (YE24: 2.9%), while NPE coverage increased to 81.7% (YE24: 80.0%)
• New business production is up by 20% in Consumer and 11% in SME

  Business Development

• Continued strong growth in Consumer lending and return to a positive trend in SME lending
• NII slightly lower 1.8% YoY, with the increase of the new lending business neutralised lower income from variable back book and national bank deposits
• NCI up 7.6% YoY on the back of strong sales performance and new agreement on profit sharing for insurance products
• Net banking income stable (up 0.3% YoY) despite significantly lower rate environment

  Funding, Liquidity & Capital

• Funding situation remained solid: Deposits at €5.3b, LDR at 70% and LCR >300%
• TCR ratio (Basel IV) at strong 22.4% - all in CET1 (YE24: 22.0%, Basel III)

  Regulatory Market Interventions

  ‌Across several core markets, the year 2025 was impacted by new or announced regulatory measures directly affect pricing, interest income and fee income:

• Croatia: 40% debt-to-income cap for non-housing loans reduces the consumer-lending market; from January 2026, banks must offer basic services free of charge, further impacting profitability
• Serbia, Republika Srpska and Montenegro: New interest-rate caps, fee restrictions and debt caps constrain pricing flexibility and reduce revenue potential across these markets

• All regulatory effects are fully reflected in the Group's updated guidance

  Expansion

  to Romania

• Successful entry into the Romanian market via the Slovenian banking entity through EU

  passporting

• Fully automated digital lending solution

• Marketing activities started in second half of 2025, entering an intensified phase in the 1st quarter 2026 based on new concept (Addiko Song with life-size Oskar)

• Measured expansion of business volumes, supported by targeted brand-building initiatives
• Results-driven review in 2H26

  ESG

• ESG Action Plan on track: All initiatives progressing as planned
• Article 8 Taxonomy Reporting: Addiko made use of opt-out as its business model has no taxonomy-relevant lending

  ‌Income & Business

Outlook 2025

(adjusted in 1H25)

Loan Growth1

NIM2

NBI2

OPEX

CoR3

>6%

CAGR 2024-2026

✓

>3.6% ✓

Flat

✓

NPE Ratio4

TCR

<€196m

✓

LDR

RoATE5

>4.5% ✓

c.1.3% ✓

<3%

as guiding principle

✓

>18.35%

subject to SREP

<80%

Ramp-up

✓

✓

DPS6

• • Income & Business

    i

    Additional

    Information

    
    
    

    − 7% YoY loan book growth on the back of strong Consumer business and positive momentum in SME during 4Q25

    − NIM at 3.7% while NBI remained flat

    − OPEX at €195.4m below guidance

  • Risk & Liquidity

    − Achievements well in line with guidance with <1% CoR and NPE ratio of 2.5%

    − LDR landed at 70%

  • Profitability

    − RoATE at 5.2%

    − Dividend suspended in line with supervisory expectations and regulatory requirements

    1 Gross performing loans. 2 Assuming an average yearly ECB deposit facility rate of 283bp in 2025 and 200bp in 2026. 3 On net loans. 4 On on-balance loans (EBA). 5 Assuming an effective tax rate of ≤25% in 2025 and 2026 due to

    changes of DTA in Slovenia and considering pull-to-par effect of majority of negative fair value reserves in FVTOCI. 6 Currently suspended, in line with supervisory expectations and regulatory requirements.

    Addiko Share Price &

    Market Segment

• ‌The share price of Addiko Bank AG rose to €22.50 as of 31 December 2025; in 2026, a further increase in the share price was recorded, while trading volumes remained very low

• Effective 1 April 2026, Addiko shares were reclassified from the Prime Market to the Standard Market of the Vienna Stock Exchange

  Shareholder Structure

• Regulatory uncertainties persist following the 2024 ECB sanction for exceeding the 10% ownership threshold without prior approval, and despite the lifting of voting-rights restrictions for a shareholder group in February 2025

• Despite the lifting of voting-rights restrictions for a shareholder group in early February 2025, the banking supervisory authorities continue to identify uncertainties regarding the shareholder structure. These concerns extend as far as a possible restriction of individual potential recovery measures in the event of a crisis

• The Bank remains in active and constructive dialogue with regulators

  Dividend

• In line with supervisory expectations and regulatory requirements, the dividend distribution for the 2025 financial year remains suspended, taking into account regulatory considerations related to the current shareholder structure

• In the interest of the Bank, the Management Board maintains its position of not resuming dividend payments as long as the ownership structure has not been conclusively clarified and the related concerns raised by the supervisory authorities have not been resolved

  ‌Evolution of the stock price since 2021 in comparison to Austrian banks with CSEE presence

  2025

450%

400%

30.12.2025 17.04.2026

€108.6

350%

300%

250%

€27.5

€46.7

200%

5,958

Share price as of 04.01.21

in EUR

Addiko: 8.7

Bank A: 25.1

Bank B: 16.7

ATX: 3,865

150%

100%

50%

Addiko Bank A Bank B ATX

Share price 30.12.2025

Addiko: 22.5

Bank A: 102.9

Bank B: 38.3

ATX: 5,326

• ‌Raiffeisen Bank International AG ("RBI") announced on 9 April 2026 that it intends to submit a voluntary public takeover offer aimed at obtaining control of all Addiko shares at a price of EUR 23.05 per share (on a cum dividend basis)

  Voluntary public takeover offer of

  RBI

• The intended offer is subject to a minimum acceptance threshold of more than 75% of all issued and outstanding Addiko shares and does not constitute a delisting offer within the meaning of Section 38 paragraphs 6 to 8 of the Austrian Stock Exchange Act (Börsegesetz)

• In addition, RBI intends to enter into an agreement with Alta Group d.o.o. (Serbia), a shareholder of Addiko, which, among other things, provides for the planned sale (carve-out) by Addiko Bank AG of Addiko Bank a.d. Beograd (Serbia), Addiko Bank d.d. Sarajevo and Addiko Bank d.d. Banja Luka (both Bosnia & Herzegovina), as well as Addiko Bank A.D. Podgorica (Montenegro), subject to the successful completion of the voluntary public takeover offer. The sale price of the carve-out will be at least equal to the fair market value of the subsidiaries to be divested. The closing of the carve-out is subject to customary closing conditions, including antitrust and regulatory approvals

  Voluntary public takeover offer of

  NLB

• Nova Ljubljanska banka d.d. ("NLB") announced on 10 April 2026 that it intends to announce a voluntary public takeover offer aimed at acquiring control over Addiko for all issued Addiko shares at a price of EUR 29.00 per share (on a cum dividend basis)

• With the intended offer, NLB intends to acquire a significant majority shareholding

• NLB intends to integrate all of Addiko's banking subsidiaries in the five overlapping markets into its own operations; however, it will nevertheless carry out a cost-benefit analysis for the integration of Addiko's subsidiaries outside the European Union. Should NLB conclude that a divestment of any such subsidiary is appropriate, the sale price will at least correspond to the fair market value of the subsidiary being sold

‌Focus portfolio development

Gross performing loans (€m)

3,489

Total Loan Book

3,677

3,365

3,506

YoY

+7%

SME

Medium

SME

Micro & Small SME

3,017 3,138

+1%

231

Consumer

2023 2024 2025

1,522

1,557

1,800

New Business (YTD)

‌NPE volume1 & ratio development

2.9%

2.0%

3.0%

2.1%

2.9%

2.0%

2.9%

2.0%

2.5%

1.8%

€m, YTD

Quarterly NPE formation & exit

€m, QTD

NPE ratio

(on-balance loans)

NPE ratio

(GE based)3

2

Formation

1Q25

19.5

2Q25

25.7

3Q25

21.7

4Q25

21.4

0.5

12.7

0.4

0.5

0.9

-10.4

-1.5

2024 1Q25 1H25 3Q25 2025

Exit

-1.7

-30.3

-24.1

-17.0

-35.9

-1.9

Consumer SME Non-focus

1 Include off-balance exposures. 2 Calculated as non-performing exposure divided by total credit risk bearing exposure including exposure towards National Banks (on-balance). 3 Calculated as non-performing exposure divided by total gross exposure.

‌Capital development (based on full-year changes)

% CET1/TCR, YTD, RWA in €m

3,671

Addiko Group RWA

22.0%

0.41%

1.20%

3,892

0.08%

22.4%

CET1/ TCR 2024: CRR2

Reg.& Equity adjustments (incl. DTA)

2025: CRR3

2025

Addiko Bank AG (Holding)

CET1/TCR RWA

2024 OCI

2024

OCI

changes

49.7%

987

51.5%

1,025

changes

YE25

YE 2025

profit

profit

Reg. & Equity adjustments (incl. DTA)

RWA

RWA

developm.

Developm.

2025

• ‌Program launch in 1Q26, period of three years (2026-2028), to support delivery of the Group's specialist-banking vision

• Ambition: Achieve the mid-term plan and unlock additional value through a targeted performance and transformation agenda

  and regulatory constraints on fee and interest

• Background: Regulatory lending restrictions, statutory income, and ongoing cost pressure require an

  expansion of the operating model

• Capability uplift: Platforms and teams will be upgraded with AI-enabled tools to enhance decision quality, efficiency and competitiveness

Business Expansion

Engine & Platform (AI)

Competencies & People

‌Financial KPIs

Loan Growth1

Income & Business

NIM2

NBI (YoY growth)2

Guidance & Perspectives

OPEX

CoR3

Risk &

Liquidity

NPE Ratio4

Total Capital Ratio

LDR

5.2%

Profit-

ability

RoATE5

Dividend

Actuals 2025

Outlook 2026

Guidance 2027

• Macro development in the CSEE region outperforms the euro zone

  <€205m

• Impediments for income generation due to (new) regulation or legislation regarding underwriting criteria, interest rate caps, fee caps or free banking products

  c. 1.3%

  <3% as guiding principle

  >18.82% subject to yearly SREP

  Ramping up to <80%

• Specialization Program launched in 1Q26 to address performance improvements for the mid-term

  c. 4.5%		c. 6.0%
  currently suspended

• Prudent risk approach remains strategic anchor - balancing of demand vs. risk appetite as priority over volume growth

• Complex shareholder situations remains area of management attention

  Guidance is generally based on projections and assumptions that can vary over time due to a changing environment (such as, but not limited to, changes in the interest rate environment, macroeconomic developments, regulatory restrictions, labour law, tax legislation and other market factors)

Next Steps

suspended

1 Gross performing loans. 2 Assuming an average yearly deposit facility rate of 200bp in 2026 and 2027. 3 On net loans. 4 On on-balance loans (EBA). 5 Assuming an effective tax rate of ≤22% and considering a pull-to-par effect of the majority of negative fair value reserves in FVTOCI.

‌Appendix

‌Herbert Juranek

Chief Executive Officer

Chair of the Management Board

Edgar Flaggl

Chief Financial Officer

Member of the Management Board

Tadej Krašovec

Chief Risk Officer

Member of the Management Board

Ganesh Krishnamoorthi

Chief Market, IT & Digitalisation Officer

Member of the Management Board

Addiko since May 2021 Mandate until December 2027

Addiko since July 2012 Mandate until June 2028

Addiko since September 2016 Mandate until June 2028

Addiko since August 2020 Mandate until December 2028

• Deputy Chairman of the Supervisory Board of Addiko Bank AG

• Senior Partner at Q-Advisers and Q-Capital Ventures

• Chief Operating Officer & member of the Management Board at Erste Group Bank AG

• Head of Investor Relations & Group Corporate Development at Addiko Bank AG

• Head of Group Strategy/ Corporate Development & Reporting at AI Lake

• Head of Group Financial Controlling at Hypo Alpe-Adria-Bank International AG

• Chief Risk & Operating Officer at Addiko Bank Slovenia

• Executive director of Credit

  Risk Department at NLB

• Director of Risk Department at NLB

• Head of Credit Portfolio Management at NLB

• Interim Chief Executive Officer, responsible for Retail, Digital, IT & Marketing at Anadi Bank

• CMO at easybank

• General Manager Digital EU at Western Union

• Head of Retail Direct & Digital Sales at GE Money Bank

‌9,99%

S-Quad Handels- und Beteiligungs GmbH (Austria)

Gorenjska Banka (Slovenia), AIK Banka (Serbia) - AikGroup (CY) Ltd.

36,74%

9,69%

Alta Group d.o.o. (Serbia)

European Bank for Reconstruction and Development (EBRD)

1,43%

5,07%

5,43%

6,73%

6,88%

9,63%

8,40%

Dr. Jelitzka + Partner (Austria)



WINEGG Realitäten GmbH (Austria)

Wellington Management Group LLP (USA)

Brandes Investment Partners, L.P. (USA)

Management Board & Supervisory Board

Others *

• Dr. Jelitzka + Partner conditionally sold

  6.80% (major holdings from 3 April 2024)

• WINEGG Realitäten conditionally sold 6.73% (major holdings from 3 April 2024)

• Both conditional share purchase agreements, together with two additional conditional purchase agreements of 3.22% each, expire on 30 June 2026 (as

published in Alta Group d.o.o.'s major

holdings on 3 July 2025)

*Contains own shares acquired by Addiko Bank AG through share buybacks. The Company currently holds 212,858 own shares.

The illustration is based on the most recent Major Holdings and Directors Dealings notifications and on sources that the bank considers reliable. Holdings below 4% of the shares are presented in a summarised form. The detailed holdings of the Management and Supervisory Board are shown in the Directors Dealings section. Addiko Bank AG does not guarantee the accuracy or completeness of the text and graph.

Latest status published on https://www.addiko.com/shareholder-structure/

‌Overview of Addiko Operating as one region - one bank

✓

2025, % of Group Assets (rounded)

Austria

(4%2)

Slovenia

(22%)

Croatia

(37%)

BiH Serbia

(19%) (14%)

Montenegro

(4%)

2025

~0.9m

Customers

154

Branches

€6.4b

Total Assets

63%-37%

EU vs.

EU accession asset split3

€3.6b

Loans and Advances

€5.3b

Customer Deposits

€899m

Equity

BB

Long-Term IDR issued by Fitch

✓

Fully licensed bank with HQ in Austria, focused 100% on Central and South-Eastern Europe

✓

✓

Addiko Bank AG is regulated by the Austrian Financial Market

Authority ("FMA")1 and by the European Central Bank ("ECB")

✓

✓

Pan-regional platform focused on growth in Consumer and SME lending

✓

✓

Listed on the Vienna Stock exchange on 12 July 2019 (19.5m shares)

Repositioned as a focused CSEE specialist lender

1 Finanzmarktaufsicht Österreich.

2 Includes total assets from Holding (€1,066m) and consolidation/recon. effects of (-€830m).

3 EU is calculated based on sum of total assets from Slovenia, Croatia and Holding (incl. consolidation). EU accession is calculated based on sum of total assets from Bosnia & Herzegovina, Serbia and Montenegro.

‌ESG in Addiko - It is the little things that count

‌GDP forecasts (%, real growth)

∆ last year's view

Deposit Facility Rate (in bp, yearly Ø)

2025E

2026E

2027E

Δ

2025

-1.7%

+0.3%

-1.6%

-0.5%

-0.3%

-1.7%

-0.5%

Δ

2025

-57

Δ

2026

-0.4%

-0.2%

-0.1%

-0.2%

-0.1%

-1.8%

-0.2%

Δ

2026

0

CPI (%, per year)

2025E

Base

2026E

Base

2027E

Base

Δ

2025

Δ

2026

2.8% 2.0% 2.0%

3.7% 2.9% 2.8%

4.5% 4.0% 3.5%

3.3% 2.4% 1.8%

4.0% 3.6% 3.0%

7.2% 6.5% 5.0%

2.1% 1.9% 1.9%

Source: The Vienna Institute for International Economic Studies (wiiw) as of October 2025.

-0.5%

+0.8%

+1.0%

+1.2%

+1.0%

+3.2%

-0.1%

-0.2%

+0.4%

+1.2%

-0.1%

+1.1%

+3.0%

-0.1%

‌Assets Liabilities and Equity

YE25, €b YE25, €b

✓• Strong deposit base

- Loan-deposit ratio (customer): 70.0% (YE24:

66.3%)

✓• Funding surplus1: c. €1.6b

6.4

✓• Liquid balance sheet

- LCR ratio: 304% (YE24: 363%)

✓• Liquid assets

• €1.06b of cash (147bp on avg.)

• €1.48b of investment

portfolio (283bp on avg.)

Other Assets

✓• Substantially de-risked asset base

- NPE ratio: 1.8% (YE24: 2.0%)

• NPE ratio (on balance) : 2.5%

  (YE24: 2.9%)

  ✓• Solid provision coverage levels

• 81.7% NPE coverage ratio (YE24: 80.0%)

• 102.9% incl. collateral

(YE24: 103.5%)

Cash and Investment Portfolio

Loans and Advances (customers)

6.4

0.2

2.5

3.7

Other

4.7

0.2

Liabilities Due to Credit Institutions Direct Deposits

Deposits Network

✓• Robust capital base

- 22.4% CET1 ratio (YE24: 22.0%)

✓• Capital position further strengthened in 2025 through profit generation and

OCI effects, fully offsetting

CRR3-driven RWA increases

Equity

1 Calculated as difference between deposits of customers and loans and advances to customers.

‌Gross performing loans in focus segments

Gross loans of focus segments as % of total gross performing loans

Gross yield by segment1

2025 YTD

QTD 4Q25

7.0%

yield

QTD 3Q25

7.1%

yield

QTD 2Q25

7.3%

yield

QTD 1Q25

7.4%

yield

Full year 2024

7.4%

yield

% in focus (stock)

40%

2016

65%

2020 74%

2021

82%

2022

87%

2023

89%

2024

92%

Consumer

SME

5.2%

7.2%

5.1%

5.1%

5.3%

5.4%

5.8%

2025 Mortgages

4.0%

4.4%

5.8%

4.2%

6.2%

4.1%

5.1%

3.9%

4.7%

3.9%

4.2%

95%

% change of gross performing loans in focus vs. previous period

Large Corporates

& Public

5.0%

• Shift to focus continues trend reaching 92% at YE25

• Focus yield at 6.41% in 2025 YTD reflecting a reduction of 34bp YoY - thus significantly less than the overall interest rate decline in 2025

1 The gross yield is calculated as regular interest income (i.e. excluding interest income on NPE, interest like income and before FTP) divided by the simple average of gross performing loans based on beginning and end of period amounts.

‌Business Update

Improving dynamics YoY

YoY

• Strong new business delivered (+20% YoY) with

  Consumer

  premium pricing

• Good NCI growth (+12% YoY driven by accounts &

  packages, cards & bancassurance)

• Rolled out new POS business BiH & Serbia

• E2E digital lending solutions without human intervention launched in all key countries

• Launched newly designed mobile app with payments

  SME

• SME delivered good new business growth 11% YOY

• Serbia delivered solid (+43% YOY) new business turnaround

• Re entered investment loans

• Launched digital application to process higher ticket

  size loans

• Advancing Addiko's brand perception

• Focus on mitigating regulatory restrictions

  2026

  Priorities

• Drive growth in Romania

• Grow BNPL & launch Croatia partnership business

• Expand revenue pools through few driven new products & customer engagement

• Secured SME loans to drive growth

• Focus on AI to enhance business & automation

• Dynamic pricing

€m, YTD

594

621

New business

(gross disbursements)

Consumer

New business yield

SME

New business yield

Focus yield1

Share of Partnerships in consumer gross disbursements

Consumer gross disbursements via partnerships

Partnerships/

Locations

1,557 1,800

112

2024 2025

7.9%

7.0%

5.9%

5.0%

6.8%

6.4%

12%

12%

2024 2025

503/

1,037

505/

1,095

+16%

+45%

161

+4%

+20%

-96bp

-97bp

-34bp

+14%

1 Focus yield equals the gross yield of focus segments and is calculated as regular interest income (i.e. excluding interest income on NPE, interest like income and before FTP) divided by the simple average of gross performing loans based on beginning and end of period amounts.

Consumer

Micro & Small SME

Medium SME

‌Vision

• We will turn Addiko into leading CSEE specialist bank for Consumer & SME customers

• We are focused and offer the best digital products to challenge universal banks

• We will accelerate the bank's transformation and generate value for our shareholders

• We offer better personal customer service than pure online banks

Consumer (Mid-Term)

Products

SME (Mid-Term)

Enhanced SME targeting through focus on data, efficiency and leveraging the unique selling proposition of fast loans

Embedded finance - Expansion to new industries with >30% of new business with higher interest rates & cross selling

Building SME ecosystems of

new products

Focus on less capital-intensive new products (packages, cards) driving fees

Distribution

Fastest lending solutions also available online to increase online channel distribution to 70%

E2E digital lending replacing 10-20% branch business adding

convenience to digital customer

Digital

Better mobile banking application offering engaging propositions tailored to diverse SME products

Better engaging mobile banking / cash-in & payment solutions driving better share of wallet

Platform

Operational Excellence

Best-in-class Risk Management

‌Non-Focus portfolio development

Mortgages, Large Corp. & Public Fin. gross performing loans (€m)

-15%

-33%

-31%

-19%

-21%

-18%

Large Corp. & Public

Mortgages

1,252

45

258

841

582

147

469

105 369

62

303

2020 2021 2022 2023 2024 2025

‌Financial Performance 2025

YTD, €m

80.5

76.9 78.1 80.5 81.3

Net interest income

Net fee & commission income

Net banking income

Net result on financial instruments

NCI NIM NII

Other operating result

General administrative expenses

Avg. Loan Book2

19.4

3.84%

61.1

18.2

3.70%

58.7

3,502

3,492

19.1

3.69%

59.1

3,510

20.5

3.73%

60.0

3,529

+0.8%

+1.0%

20.7

3.76%

60.6

3,552

Operating result

Other result

CIR

Expected credit loss expenses

61.2%

63.0% 62.7%

58.5%

62.6%

1 Operating result before impairments and provisions. 2 Based on daily average.

CoR

Result after tax

on net loans

-0.31%

-0.13%

Tax on income

-0.27% -0.31% -0.26%

‌Key financials P&L

in €m

4Q25 (QTD)

YTD QTD

Net interest income 238.4 242.9 -1.8% 60.6 60.0 1.0%

Net fee and commission income 78.5 73.0 7.6% 20.7 20.5 0.8%

Net banking income 316.9 315.8 0.3% 81.3 80.5 0.9%

Other income 1

-11.6 -11.1 -4.7% -3.5 -2.1 -63.3%

Operating income 305.2 304.7 0.2% 77.8 78.4 -0.8%

General administrative expenses -195.4 -192.4 -1.6% -50.9 -47.1 -7.9%

1. Operating result 2

   109.8 112.3 -2.3% 26.9 31.2 -13.9%

2. Other result -14.6 -15.8 8.1% -4.0 -5.7 28.6%

   Expected credit loss expenses 3 -35.2 -36.0 2.5% -9.6 -11.1 13.3%

   Result before tax 60.1 60.4 -0.6% 13.2 14.5 -8.6%

3. Result after tax 44.0 45.4 -3.0% 8.7 11.3 -22.6%

   Balance Sheet

   n €m 4Q25 (YTD)	4Q24 (YTD)	+/- PY
   Total assets 6,420 6,409 0.2% Loans and advances to customers 3,677 3,506 4.9% o/w gross performing loans 3,668 3,506 4.6% Customer deposits 5,253 5,290 -0.7% Shareholders' equity 898 840 7.0% ey Ratios
   4Q25 (YTD)	4Q24 (YTD)	+/- PY (pts)

   i +/- PQ

   0.4%

   2.5%

   2.5%

   0.0%

   2.9%

   K

   NIM (in bps)	372	387	-15	1
   Cost/income ratio	61.7%	60.9%	0.8%	-1.1%
   NPE Ratio (GE based)	1.8%	2.0%	-0.3%	-0.2%
   NPE Ratio (on-balance loans)	2.5%	2.9%	-0.4%	-0.4%
   Cost of risk (net loans)	-0.96%	-1.03%	0.1%	-0.55%
   Loan-deposit ratio (customer)	70.0%	66.3%	3.7%	1.7%
   RoATE	5.2%	5.7%	-0.5%	-0.6%
   4 CET1 ratio/ Total capital ratio	22.4%	22.0%	0.3%	1.1%

   +/- PQ (pts)

   1 Includes net result on financial instruments and other operating result. 2 Operating result before impairments and provisions.

   3 Expected credit loss expenses on financial assets.

   RoATE at 5.2% (YE24: 5.7%)

   •1 Operating result down 2.3% YoY to €109.8m:

   • Net interest income down 1.8% YoY following four 25bp rate cuts (100bp in total) and variable-rate loan repricing, partly offset by growth in Consumer interest income (+6.3% YoY) and lower interest expenses

   • Net fee and commission income up 7.6% driven by bancassurance, accounts & packages, and card transactions - including

     €3.5m non-recurring items

   • Gen. admin. expenses (OPEX) up 1.6% reflecting gradual cost adjustments following elevated inflation (operationally up 3.2% excluding €3.0m extraordinary advisory costs related to take-over offers in 2024)

   1. Other result of €-14.6m mainly reflects additional provisions for legacy CHF loan litigation and fee-related claims

   2. Result after tax of €44.0m with EPS of €2.28

   (2024: €2.35)

   •4 CET1 ratio under CRR3 at a string 22.4%

   comfortably above requirements & guidance

   Average tangible equity at €842m (YE24: €796m)

   
   
   

   ‌Capital requirements as of 2025 (excluding P2G)

   • P2R: a 25bp increase to 3.50% applies

     P2R

     (for 2026)

     for the year 2026

     22.4%

     CBR includes the full SyRB for the Group as well as the additional local CCyB in Croatia, Slovenia and Montenegro

     22.4% 22.4%

     12.20%

     15.01%

     2.81%

     T2

     (incl. P2R)

     • At least 56.25% of the P2R must be met with CET1 capital, and at least 75% with Tier 1 capital

     • Systemic Risk Buffer: set at 0.50%

       Combined Buffer Requirement (CBR)

     • Local Countercyclical Buffers:

- Slovenia: 0.5% as of 12/23; 1.0% as of 01/25

- Montenegro: 0.5% as of 04/25; 1.0% as of 01/26

- Serbia: from 0% to 0.5% as of 12/26

10.09%

3.76%

1.83%

4.50%

CBR

P2R

Pillar 1

2.11%

10.09%

AT1

(incl. P2R)

CET1

12.20%

Tier 1

- Croatia: 1.5% as of 06/24; 2.0% as of 01/27

- Local countercyclical buffers partially impact

CET1

CET1 / TCR Addiko, as of YE25

Tier 1 TCR

Regulatory requirements as of YE25 (based on SREP valid in 2025)

P2G

(for 2026)

• P2G: unchanged at 3.00%

• To be fully met with CET1 and applicable

across all capital stacks

‌CHF portfolio overview

€m

460

331

244

138

115

70

29

53

114

182

4.4%

3.4%

2.0%

5.5%

1,3%

1.7%

1,1%

0.7%

0.9%

0.8%

% of Total Credit Risk Exposure 1

NPE

Performing

CHF credit risk exposure by countries (performing)

2025 YTD, €m

CHF status across countries

Bosnia & Herzegovina

Montenegro

Serbia 2% 3%

14%

Croatia

34%

Total:

€46m

47%

Slovenia

1 Calculated as total CHF credit risk exposure divided by total credit risk exposure of Addiko Group

‌THESE RESULTS AND STATEMENTS (HEREINAFTER REFERRED TO AS "MATERIALS") WERE CAREFULLY PREPARED BY ADDIKO BANK AG. HOWEVER, THE MATERIALS HAVE NOT BEEN INDEPENDENTLY VERIFIED. THEREFORE, ADDIKO BANK AG MAKES NO REPRESENTATION AND GIVES NO WARRANTY, NEITHER IMPLIED NOR EXPRESSED, AND ASSUMES NO LIABILITY, NEITHER DIRECTLY NOR INDIRECTLY, FOR THE MATERIALS AND THEIR CONTENT, WHICH REFERS ALSO TO FUTURE STATEMENTS, IN PART OR IN FULL, AS NO ONE SHALL RELY ON THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OF THIS INFORMATION OR STATEMENTS CONTAINED HEREIN.

THESE MATERIALS WERE DRAWN UP AT THE DATE MENTIONED BELOW AND THE CONTENT CONSTITUTES THE KNOWLEDGE, ASSUMPTIONS, FUTURE STATEMENTS, AND SUBJECTIVE OPINIONS OF ADDIKO BANK AG AT THAT TIME, AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. INFORMATION ON PAST PERFORMANCES DOES NOT PERMIT RELIABLE CONCLUSIONS TO BE DRAWN AS TO THE FUTURE PERFORMANCE. FORWARD-LOOKING STATEMENTS ON THE BUSINESS AND FINANCIAL PERFORMANCE MAY BE IDENTIFIED BY THEIR CONTEXT OR BY WORDS SUCH AS "EXPECTATION", "PLAN", "TARGET", "FORECAST" OR "GUIDANCE" AND SIMILAR EXPRESSIONS. THESE STATEMENTS ARE MADE ON BASIS OF THE MANAGEMENT'S CURRENT VIEW AND ASSUMPTIONS; AND MAY INVOLVE RISKS AND UNCERTANITIES THAT COULD CAUSE A MATERIAL DEVIATION FROM THE STATEMENTS CONTAINED HEREIN IN TERMS OF FUTURE RESULTS, PERFORMANCE OR EVENTS. ADDIKO BANK AG ASSUMES NO OBLIGATION TO UPDATE ANY FORWARD-LOOKING STATEMENTS.

NEITHER ADDIKO BANK AG NOR ANY OF ITS REPRESENTATIVES, AFFILIATES, OR ADVISORS SHALL BE LIABLE FOR WHATEVER REASON FOR ANY KIND OF DAMAGE, LOSS, COSTS OR OTHER EXPENSES OF ANY KIND ARISING DIRECTLY AND/OR INDIRECTLY OUT OF OR IN CONNECTION WITH THESE MATERIALS AND THE CONTENT HEREIN.

THESE MATERIALS DO, ALSO IN THE FUTURE, NOT CONSTITUTE A RECOMMENDATION OR AN INVITATION OR OFFER TO INVEST OR ANY INVESTMENT OR OTHER ADVICE OR ANY SOLICITATION TO PARTICIPATE IN ANY BUSINESS AND NO ONE SHALL RELY ON THESE MATERIALS REGARDING ANY CONTRACTUAL OR OTHER COMMITMENT, INVESTMENT, ETC.

ADDIKO BANK AG ASSUMES NO OBLIGATION FOR UPDATING THIS DOCUMENT. THIS PRESENTATION MAY NOT BE REPRODUCED, REDISTRIBUTED OR PASSED ON TO ANY OTHER PERSON OR PUBLISHED, IN WHOLE OR IN PART, FOR ANY PURPOSE, WITHOUT THE PRIOR WRITTEN CONSENT OF ADDIKO BANK AG.

BY ACCEPTING THESE MATERIALS, YOU ACKNOWLEDGE, UNDERSTAND AND ACCEPT THE FOREGOING. VIENNA, 2026

Contact

investor.relations@addiko.com

Addiko Group's Investor Relations website https://www.addiko.com/investor-relations/ contains further information, including financial and other information for investors.

About Addiko Group

Addiko Group is a specialist banking group focusing on providing banking products and services to Consumer and Small and Medium-sized Enterprises (SME) in Central and South-Eastern Europe (CSEE). The Group consists of Addiko Bank AG, the fully-licensed Austrian parent bank registered in Vienna, Austria, listed on the Vienna Stock Exchange and supervised by the Austrian Financial Market Authority and the European Central Bank, as well as six subsidiary banks, registered, licensed and operating in five CSEE countries: Croatia, Slovenia, Bosnia & Herzegovina (where it operates via two banks), Serbia and Montenegro. Through its six subsidiary banks, Addiko Group services as of 31 December 2025 approximately 0.9 million customers in CSEE using a well-dispersed network of 154 branches and modern digital banking channels.

Based on its strategy, Addiko Group has repositioned itself as a specialist Consumer and SME banking group with a focus on growing its Consumer and SME lending activities as well as payment services (its

"focus areas"). It offers unsecured personal loan products for Consumers and working capital loans for its SME customers and is largely funded by retail deposits.