FinecoBank S p A : Financial results presentation 3Q25

Alessandro Foti

CEO and General Manager

Milan, November 5th 2025

FINECO. SIMPLIFYING BANKING.

• Fineco Financial Results

• Fineco Commercial Results

• Next steps

• Key messages

Successful growth story: our diversified business model allows us to deliver strong results in every market condition

Strong net profit and operating leverage

• 9M25 Net Profit is 480.5 mln (-1.9% y/y). 9M25 Revenues at 969.6 mln (-1.5% y/y) supported by non-financial income (Investing +10.0% y/y, Brokerage +16.5% y/y), almost offsetting lower interest rates (NFI -12.8% y/y)

• 3Q25 Net Profit (162.7 mln, +5.9% q/q) and Revenues (325.3 mln, +3.2% q/q) back to q/q growth: 3Q25 NFI (+1.9% q/q) fully absorbed lower rates thanks to positive deposits

• Operating Costs well under control at -259.9 mln, +8.7% y/y (+~6% y/y excluding costs related to the acceleration of the growth of the business(1)). Strong operating leverage confirmed a key strength of the Bank. C/I ratio at 26.8%

  Strong y/y increase in net sales as growth is accelerating

  Clear step-up in our growth thanks to structural trends and more efficient marketing:

• Strong acceleration in new clients' acquisition (+33% y/y in 9M25). October:

  ~19,300 new clients (~+30% y/y)

• Net sales in 9M25 at 9.4 bn (+36% y/y), o/w AUM at 3.6 bn (+43% y/y), Deposits at

  1.2 bn (vs -0.3 bn in 9M24) and AUC at 4.7 bn. October (estimated) recorded a further acceleration of total net sales at ~1.3 bn (up by 30%+ y/y) o/w AUM at ~0.5 bln (up by 20+% y/y); deposits at ~ -0.1 bln, AUC at ~0.9 bn leading to the best month ever for Brokerage revenues at ~31.5 mln

  Solid capital and liquidity position

  
  
  

• CET1 ratio at 23.9%, TCR at 32.5%, Leverage ratio at 5.11%

• LCR at 931%(2), NSFR at 438%

  2025 Guidance: improved outlook

  Thanks to the acceleration of structural growth underneath our business:

• NFI: back to growth thanks to positive deposit net sales

• Investing: solid increase of AUM flows coherently with lower rates

• Brokerage: we expect a record year for revenues, thanks to a growing floor driven by the higher AuC and the enlargement of active investors. October just the latest evidence of the higher floor.

• Banking fees expected with a slight decrease in FY25 due to new regulation on instant payments.

• Operating costs expected at around +6% y/y, not including 5/10 mln additional costs for growth initiatives (mainly: marketing, FAM, AI)

• Payout: for FY25 payout ratio in a range 70/80%

  2026 Guidance

  We expect all the business areas to contribute to the revenues' growth

  More details will be provided during the CMD on March 4th, 2026

  (1) Excluding costs strictly related to the growth of the business, mainly marketing (-2.2 mln y/y), FAM (-2.2 mln y/y) and A.I. (-1.0 mln y/y)

  Fineco, healthy growth based on quality revenues

  Enabling Fineco to deal with any market environment while offering clients seamless access to banking, investing and brokerage

  Banking, a capital light NII based on sticky deposits

driven by our clients' transactional liquidity (Cost of funding at 0)

diversified blend of EU government bonds, supranational and agencies.

Portfolio duration: 2.3 years HQLA: 80%

only 24% of Net Financial Income, offered exclusively to our well-known base of retail clients (no corporates)

Growing Revenues

Recurring and Sustainable

thanks to our strategic positioning

Aligned to rising clients' demand for

Bridge between 2 worlds self-feeding a business growth:

Active investors

• 3/4 avg executed orders per month

• Mostly linked to a PFAs,

• Avg TFA ~ €250k

  Stock of AuC

  (bln, €)

  52.5

  15.3

  Structurally higher active investors

  • Convenience

FY19 9M25

FY19

9M25

traders active investors

Active investors: less than 20 trades per month; Traders: more than 20 trades per month

Net Profit at 480.5 mln. Results supported by sound acceleration of Investing and Brokerage, confirming the effectiveness of our

initiatives. Strong operating leverage confirmed

ROE (1) 27% 27%

Cost/Income 24% 27%

Revenues

• Net Financial Income (-12.8% y/y) driven by lower interest rates

• Non Financial Income up by +12.5% y/y driven by Investing (+10.1% y/y), on the back of higher volumes and higher control of the value chain by Fineco Asset Management, and Brokerage (+21.8% y/y), thanks to the enlargement our active investors and to higher market volumes

  Costs

  The yearly increase is mainly linked to costs related to the growth of the business, related to:

  • Marketing expenses, as we are catching the acceleration of structural trends

  • FAM as it is increasing the efficiency of the value chain

  • A.I., as we are launching projects to further boost our PFAs' productivity

    Net of these items, 9M25(2): ~6% y/y

    
    
    

    (1) ROE is calculated as adj.net profit divided by EOP book equity for the period (excl. valuation reserves)

    Net Financial Income: q/q growth driven by our valuable deposits

    Supported by accelerating deposits net sales driven by our clients' transactional liquidity

    Net Financial Income fully absorbed decreasing rates, thanks to our deposits growth

Q/q growth thanks to the strong acceleration in our deposit net sales and despite decreasing 3MEUR

Net Financial Income

Bn, €

Deposit net sales

1.2

Bn, €

Zooming on deposits:

healthier underlying growth

9M24 9M25

mln, €

Salary/Pensions +14.2 +15.1

Net bank transfers +9.5 +11.6

+23.7 +26.7

Cards/Bills/Taxes/Other -18.1 -18.9

+5.6 +7.9 +40%

-0.3

9M24 9M25

AUM/AUC -5.9 -6.7

Total -0.3 +1.2

3.56% 2.11% 2.01%

28.2 30.0 30.8

Avg 3MEUR Deposits, stock (bn)

Growing AUM thanks to our best-in-class market positioning, coupled with higher efficiency on the value chain through FAM

Investing Revenues, mln

+10.0%

+10.4%

+6.4%

93.9 97.4 103.7

268.6

295.6

Investing 93.9 97.4 103.7 268.6 295.6

o/w

3Q24 2Q25 3Q25 9M24 9M25

62.0 66.5

69.8

NO PERFORMANCE FEES

36.6% 38.7% 39.0%

VERY LOW UPFRONT

Avg AuM (on daily basis, bn) FAM retail as % of Fineco total AUM

FAM key to sustain AUM margins thanks to more efficient value chain, Fineco best placed to catch clients demand for efficient and fair solutions

85%

39.0%

38.7%

36.6%

FAM retail / Fineco total AUM

FAM retail as % of Fineco AUM net sales

12.0

Sept. 25

11.6

Jun. 25

11.5

Sept. 24

9M25

9M24

3Q25

2Q25

3Q24

70%

bn

0.7

71%

27.7

26.5

23.3

Retail class

FAM funds underlying

1.0

1.0

34.8

2.1

39.8

38.2

2.5

FAM AUM STOCK

FAM RETAIL NET SALES

64%

97%

3Q25

2Q25

3Q24

9M25

9M24

3Q25

2Q25

3Q24

% on AUM

stock

53%

51%

0.6

52%

1.0

0.8

35.9

32.7

2.3

ADVANCED ADVISORY STOCK

37.6

ADVANCED ADVISORY NET SALES

2.8

bn

A clear step-up in our active investors: Fineco clearly the platform of choice for strong clients' appetite in bonds and ETFs

Active investors: a new structural growth thanks to our initiatives and bonds/ETF demand

traders active investors

Active investors profile

• 3/4 avg executed orders per month

  A structurally higher base of active investors…

  …leading to a structurally higher stock of AUC

  Bn, €

  52.5

  44.7

  36.1

• Avg age: 50 years old

• Mostly linked to a PFAs, and with

Avg TFA ~ €250k

89% FY19

85% FY20

87% FY21

89% FY22

91% FY23

92%

FY24

92%

9M25

15.3 18.3 23.0 23.9

FY19 FY20 FY21 FY22 FY23 FY24 9M25

Drivers of wider active investors

2019 2020 2021 2022 2023 2024 9M25 2019 2020 2021 2022 2023 2024 9M25 2019 2020 2021 2022 2023 2024 9M25

Stocks ETFs Bonds

Healthier dynamics behind the structurally higher floor of revenues

(Avg monthly revenues, € mln)

19.4

11.3

17.8

15.9

16.0

18.1

20.8

2019

2020

2021

2022

2023

2024

9M25

+7.3% vs 2020, the Covid year

Structurally higher floor of revenues with healthier dynamics, driven by both wider active investors and higher AUC

(not by macro-events like the pandemic with strick lockdown)

Offered exclusively to the existing base of clients, leveraging on our internal Big Data analytics

472

Sep.25

377

470

375

2,359

2,219

2,180

Sep.24

Jun.25

475

350

2,164

2,115

1,925

5,189

5,183

5,110

+0.1%

+1.5%

Cards

Mortgages

Current accounts/Overdraft (1)

Personal loans

• Cost of Risk well under control thanks to the constant

  improvement in the quality of the credit which is mainly secured and low risk

• We confirm our strategy aims to build a safe lending portfolio, offering these products exclusively to our very well known base of clients, leveraging on a deep internal IT culture, powerful data warehouse system and Big Data analytics

• NPE at 27.6 mln with a coverage ratio at 83.5%, NPE ratio at 0.52%

• LLP equal to -3.7 mln in 9M25

0.52%

0.58%

0.52%

NPE ratio

Sep.25

Jun.25

Sep.24

7 bps

6 bps

7 bps

(1) Current accounts/overdraft Include Lombard loans

(2) Cost of Risk: commercial LLP of the last 12 months on average last 12 months commercial Loans

(1)

(1)

(1)

Capital position well above requirements

12

1. Dec.24 figures are pre-CRRIII

2. Avg 12 months, in line with Pillar 3 disclosure

   Agenda

   • Fineco Financial Results

     • Fineco Commercial Results

   • Next steps

   • Key messages

43%

5-10mln

>10mln

0.5-1mln

1-5mln

7%

3Q25

8%

AuM

AuC Deposits

47%

34%

10%

Average age:

Total clients: 50

Private clients: 63

48.1%

>0.5mln

100-500k

50-100k

<50k

9.1% 33.1%

50%

Avg TFA per Private Banking clients (2)

1.0mln

Client segmentation

154.6

9.7%

€ bn, TFA

56.0

2.9% 3.2% 3.3% 3.8% 4.1% 4.7% 4.6% 5.1% 5.4% 5.5%

+69.7%

1,257 1,317

776 806

778

884

932

1,037

994

1,101

2016 2017 2018 2019 2020 2021 2022 2023 2024 1H25 3Q25

2016 2017 2018 2019 2020 2021 2022 2023 2024 1H25

Steadily gaining market share

45.3

38.6

33.4

25.9 25.8

22.2

48.8

77.6

72.6

68.4

+226.3%

(1)

Italian Private Banking Association

+248.7%

since 2016

FinecoBank

€ bn, TFA

+9.8%

AUM since the end of 2014:

+197.7%

154.6

140.8

122.6

39%

38%

107.9 106.6

34%

46%

47%

91.7

27%

81.4

21%

60.2

67.2

69.3

23% 51%

49%

30% 47%

49%

55.3

49.3

48%

48%

48%

50%

18% 50%

48%

19%

20%

24%

28%

24%

28%

21%

31%

20%

20%

30%

32%

31%

31%

Dec.14 Dec.15 Dec.16 Dec.17 Dec.18 Dec.19 Dec.20 Dec.21 Dec.22 Dic.23 Dec.24Sept.25

AuM

AuC

Deposits

FAM retail / total AUM

+14.7%

10.7

8.8

+36.0%

10.3

10.1

9.3

2.7

9.4

3.6 4.1

5.8

4.3

6.9 3.6

7.3

5.5

6.0

6.2

5.0

2.5

4.0

2.3 3.3

2.7

3.1

1.9

0.3

4.0

2.5

5.6

8.3

1.8

4.8

4.7

0.9

1.9

2.9

0.5

3.5

4.7

1.2

-0.2

1.9

2.1

2.5

1.5

1.2

-1.0

-0.3

2014 2015 2016 2017 2018 2019 2020 2021

9M24 9M25

AuM

AuC

Deposits

Successful shift towards high added value products thanks to strong productivity of the network

The structure of recruiting is changing: more interest in the quality of the business model by PFAs

10.7

8%

10.3

5%

8.8

4%

10.1 9.4

6%

3%

82%

95% 96%

95%

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 9M25

9.3

4%

5%

7%

10%

6.0 6.2 5.8

5.0

11%

11%

18%

4.0 5.5

Organic

New PFAs recruited in the year

Total recruits

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 9M25

85%

81%

81%

74%

9.4

9%

10.1

12%

8.8

13%

10.3

10%

10.7

13%

7%

9%

15%

14%

19%

19%

26%

Total recruits Organic

PFAs recruited over the last 24 months

4.0 5.5 5.0 6.0 6.2 5.8 9.3

2,578

2,628

2,607

• No change in our recruiting policy (recruiting costs to be amortized: 46.9 mln as of Sept.25)

• Structural increase in the spontaneous interest to join Fineco, which emerged as the perfect partner for professionals looking to grow in a sustainable way

125 118

85

98

70

58

74 116

86

70

78

69

2,533 2,622

2,541

2,790 2,918

3,061

2,606

2,962

3,002

79

99

155 128 71

PFA Network - headcount

# of senior PFAs recruited in the period

# of junior PFAs recruited in the period

• Fineco Financial Results

• Fineco Commercial Results

  • Next steps

• Key messages

Our diversified business model key to successfully deal with the current volatile environment

2025 Guidance: outlook improved

Outlook improved thanks to the acceleration of the structural growth underneath our business:

• NET FINANCIAL INCOME: back to growth thanks to positive deposit net sales.

• INVESTING: solid year on year increase of AUM net sales coherently with lower

  interest rates.

• BROKERAGE REVENUES: expected to remain strong with a continuously growing floor thanks to the higher AuC and the enlargement of our active investors. For FY25 we expect a record year for brokerage revenues. October just the latest evidence of the higher floor.

• BANKING FEES: expected with a slight decrease in FY25 due to the new

  regulation on instant payments.

• OPERATING COSTS: expected growth of around 6% y/y in FY25, not including few millions of additional costs for growth initiatives in a range 5/10 mln (mainly: marketing, FAM, AI).

• COST / INCOME: in FY25 comfortably below 30% thanks to the scalability of our

  platform and strong operating gearing.

• COST OF RISK: in a range 5-10 bps in FY25 thanks to the quality of our portfolio.

  Capital

Huge potential to gain additional market share of Italian households' wealth

GROWING STRUCTURAL TAILWINDS

IN OUR FAVOUR

Italian households TFA (Bankit, € bn)

System FBK

Breakdown of TFA (2Q25)

FINECO, PLAYING BIG GOING FORWARD THANKS TO OUR UNIQUE MARKET POSITIONING:

5,692

6,013

6,148

26%

3%

31%

• Transparency, Efficiency & Convenience: in line with the most recent emerging trends with Italian households quickly changing their financial behaviours

• Customer centricity: Fintech DNA as key lever for a superior

  97.60%

  other

  14%

  8%

  19%

  Bonds

  customer experience

• Massive generational wealth transfer: new generation will focus much more on efficiency, convenience and transparency when managing their assets

  With a rising market share but yet only at 2.4%, FINECO GROWTH STORY IS JUST AT THE BEGINNING

  97.85%

2.15% FY23

2.34% FY24

2.40% 2Q25

Equity / Stakes in enterprises

Insurance and pension

Mutual funds

Cash and deposits

Strong increase in the quality and volume of new clients, fueled by strategic positioning and excellent customer experience.

Thd, #

CAGR

+25.1%

9.9

8.1

New clients (monthly avg)

12.7

+26.6%

16.1

9M25: 145k new clients (+32.6% vs 9M24)

Bain NPS Prism

44

19

Kantar NPS

63

27

Industry avg FBK Finance sector avg. FBK

Solid improvement in the quality our new clients, coupled with an unprecedented opportunity for our Investing

bn, €

AUM

AUC

Deposits

Total net sales: a solid increase

+36.0%

9.4

6.9

Fineco: reference platform for all clients'

financial needs mirrored in our net sales mix

AUM: a sizable mix shift opportunity

bn, € Bonds in AUC (stock)

-0.3

9M24 9M25

22.6

3Q25

o/w a large % is short-term maturity

providing an unprecedented opportunity for our PFAs to improve clients' mix into AUM

Our PFAs' productivity heading towards the next level

Fineco as the only real player able to deliver an efficient and pervasive AI implementation

thanks to our in-house Tech know-how and data control

AI Assistant

a technology platform by Fineco

3. CRM for PFAs: fully integrated with

clients' data and attached to their

1. Portfolio builder: a powerful chatbot with FBK financial logicto immediately create quality portfolio made of funds and ETFs.

   NEW RELEASE: Now also stocks and bonds

   • Content creator: personalized proposals / diagnostics and detailed reporting with customizable portfolio analysis with graphs, tables and several widgets.

   • Portfolio comparison: powerful marketing tool to compare

     existing portfolio (and TER) of prospect clients

2. Search tool: a faster info-search process for internal

memo/communication

ALREADY LIVE:

~2,900 PFAs active

protfolios, it will help PFAs to set an efficient agenda with several initiatives to manage customers and cross-sell

4. Brokerage clients: brokerage AI assistant and AI powered search cross-asset classes and news

Ultimately improving revenues growth via stronger net sales and AUM

as PFAs productivity will reach the next level

An undervalued component of our business, key for AUM growth and higher brokerage floor

AUC breakdown (€ bn)

52.5

AUC PLAYING A KEY ROLE IN OUR FEE DRIVEN GROWTH:

11) INVESTING: AUC is the main source of our AUM net sales. As ~90% of our growth is organic

driven (as opposed to highly costly recruiting-based business model), our new clients' asset allocation is on avg more skewed into AUC. Our Network of PFA is 100% focused in improving clients' mix into AUM.

22) BROKERAGE: AUC and active investors growth as the driver for the higher floor of our revenues. Several new initiatives underway to enhance brokerage AUC profitability

11.3

Avg monthly brokerage revenues (€, mln)

19.4 17.8 15.9 16.0 18.1

20.8

11.3

0.2

3Q25

Equity Bonds ETF Other

2019 2020 2021 2022 2023 2024 9M25

33) ETFs: exploring new revenues opportunity by this fast growing asset class (see next slide)

Fineco the only real player able to catch the client-driven move towards efficient investment solutions

€, bn

A fast-accelerating shift underneath the surface of the Italian Wealth Management industry

Stock of ETFs

ETFs in AUC

ETFs in AUM

11.1

+36.4%

15.1

Initiatives underway to extract recurring revenues on ETFs

11) Positive volume effect for Investing business thanks to enlargement of

cluster of clients: given the rising interest for ETFs, we can move into advanced advisory wrappers clients not interested in traditional mutual funds, thus with no cannibalization risk

22) Given our leadership on ETF retail flows, Fineco is the main gateway for issuers to the Italian market. At present, the Bank is managing all the costs to handle

4Q24 3Q25

clients while not having recurring revenues on ETFs: talks are underway with our partners to strike the right balance

% of ETF on AUC net sales (in 9M25)

% of ETF on AUM net sales (in 9M25)

52%

24%

33) Fineco Asset Management: launched its first set of ETFs in 2022 and already launched new Actively managed ETFs, with more to come. New co-branding

Only Fineco is able to spot this powerful new client-driven trend thanks to our market positioning focusing on Transparency, Efficiency & Convenience

agreement with a leading issuer to launch passive-plain vanilla ETFs

• Fineco Financial Results

• Fineco Commercial Results

• Next steps

• Key messages

We are a looking-forward organization playing for the long-run and able to generate a positive impact for all our stakeholders and the society as a whole

TRANSPARENCY

Fairness and respect for all our stakeholders

EFFICIENCY

Fintech DNA: strong focus on IT & Operations, more flexibility, less costs

• NO PERFORMANCE FEES IN OUR REVENUES

• FAIR PRICING

• LOW UPFRONT FEES

• Delivering BEST-IN-CLASS CUSTOMER EXPERIENCE

• SHARING FAM BENEFITS WITH CLIENTS:

  better quality and timely products with lower TER

  
  
  

  INNOVATION

  Quality offer for highly

  SATISFIED CLIENTS

  • NO short-term AGGRESSIVE COMMERCIAL OFFERS and ZERO REMUNERATION on current accounts

  • Focus on ORGANIC GROWTH

Leveraging on a deep-rooted internal know-how to expand platform scalability and operating gearing

HYPERAUTOMATION

Blending RPA, AI, and

DevOps for enhanced efficiency and innovation.

COST EFFICIENCY

Our strong emphasis on automation paves the way for greater economies of scale with rising volumes.

DATA DRIVEN

Ensuring our vast data layer is not only extensive, but also seamlessly accessible.

OMNICHANNEL

Through comprehensive integration across all channels, our Technology ensures a smooth and seamless user experience.

SOURCING AND TALENT

By retaining our IT Infra/Dev and expertise in-house, we streamline lead times and craft services with our proprietary technology.

LEAD TIME

By retaining our IT Infra/Dev and expertise in-house, we streamline lead times and craft services with our proprietary technology.

RELIABILITY

With a track record close to 100% uptime, our IT systems are a beacon of reliability for

our platforms.

CYBER SECURITY & FRAUD MANAGEMENT

Around the clock, our expert internal security team combats both cyber threats and fraud.

216

209

202

206

190

Costs (1) (mln)

805

749

633

600

562

520

+ 12%

1,316

1,238

948

197

518

429

-19.1p.p.

Revenues (1) (mln)

39.8

25.2

24.1

29.6

32.2

32.4

35.6

36.0

37.1

38.9

225

44.3

Cost/ Income (1) (%)

+ 6%

332

298

281

259

243

CAGR (2014-2024)

+ 11%

108

92

81

1,358

69

67

1,200

60

55

1,048

49

964

TFA (bn)

107

1,487

2022

2021

2020

2019

2018

2017

2016

2015

2014

461

Net profit (1) (mln)

376

342

284

254

226

+ 16%

677

637

155

1,118

208

Clients (thd, #)

1,428

1,370

1,278

+ 6%

2024

141

1,656

2023

123

1,563

106 127 152

2025

162 170

154

170 174 170 163 164

154

163

1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

66

Net Profit adjusted (net of systemic charges) (1), mln

CAGR

+13.7%

92

37 40 36

41

48 46

55

48 51 50 52 55

52 53

61 60 59

99

63 66

63

76

73 72

89 84

77

99 91 93

94

129

28

(1) Figures adjusted by non recurring items and Net Profit adjusted net of systemic charges (FY15: -3.1mln net, FY16: -7.1mln net, FY17: -7.1mln net, FY18: -9.6mln net, FY19: -12.1 mln net, 1Q20: -0.3mln gross, -0.2mln net, 2Q20: -0.7mln gross, -0.4mln net; 3Q20: -28.0mln gross, -18.7mln net; 4Q20: +2.1mln gross, +1.4mln net; 1Q21: -5.8mln gross, -3.9mln net; 2Q21: -1.9mln gross, -1.3 mln net; 3Q21: -30.0mln gross, -20.1mln net; 4Q21: -2.3mln gross, -1.6mln net; 1Q22: -7.7mln gross, -5.2mln net; 3Q22: -39.0 mln gross, -

26.1 mln net, 4Q22: -1.0mln gross, -0.7mln net); 1Q23: -6.6mln gross, -4.4 mln net; 3Q23: -37.0mln gross, -24.8mln net; 4Q23: 2.0mln gross, 1.3mln net; 1Q24: -35mln gross, -23.4 mln net; 2Q24: -0.3mln gross, -0.2 mln net; 4Q24 -1.2 gross; -0.8 net).

Combining business growth and financial strength with the principles of social and environmental sustainability, in order to create long-term value for all Stakeholders

• Strategy focuses on ESG objectives(1) within 7 areas:

  
  
  
  Responsible
  
  

  Finance

  Financial Education and advice

  ESG
  
  

  Governance

  Diversity &
  
  

  Inclusion

  Environment

  
  
  

  and

  Supply Chain

  Customer

  
  
  

  satisfaction

  Charitable donations, partnerships and relations with the territory

• Net-Zero emissions to be achieved by 2050 and with intermediate targets

  
  
  

• ESG targets included in the 2024-2026 Long-Term Incentive Plan for key resources, included the CEO/GM and other Identified Staff and in the Short-Term Incentive Plan for both employees and Personal Financial Advisors Identified Staff

• Environmental Management System of the Bank certified in line with the EU Eco-Management and Audit Scheme

• Certification on Gender Equality pursuant to UNI 125/2022 reference practice Scheme

  
  
  
  
  
  

• Contribution for the PFA Network to be borne by the Bank for obtaining EFPA ESG certification

  
  
  

• FinecoBank is signatory of UN Principles for Responsible Banking and participant of UN Global Compact

• Fineco AM is signatory of UN Principles for Responsible Investing and participant of UN Global Compact

30