Presentations as of may, 2026

March 2026

z

Investor Presentation

Agenda

01

The Argentine Economy

02

The Argentine

Financial System

The Argentine Economy

Economic Activity

Real Gross Domestic Product

% Change YoY

GDP

Industrial Production

Source: Banco Galicia based on INDEC, BCRA and own estimations Source: Banco Galicia based on INDEC

The Argentine Economy

International Environment

Agricultural Commodity Prices

Index Dec-01=100.

Real Effective Exchange Rates

At Today Prices

Source: Banco Galicia based on BCRA

The Argentine Economy

Fiscal Performance

Non-Financial Public Sector's Fiscal Balance

As % of GDP

Argentine Central Bank Financing

In USD billion | As % of GDP

Source: Banco Galicia based on Ministry of Economy and own estimates Source: Banco Galicia based on BCRA and own estimates

The Argentine Economy

Sovereign Debt

Argentina: Public Sector Gross Debt*

As % of GDP

Projected Annual Debt Payments*

In USD Billion

Debt by Currency*

Source: Banco Galicia based Ministry of Finance and own estimates Source: Banco Galicia based on Ministry of Economy

*As of December 31, 2025 | Local currency debt AR$/USD 1,459,4

The Argentine Economy

External Sector Performance

Current and Capital Accounts

Accrual Basis | As % of GDP

Foreign Trade

In USD billion

Trade Balance

Source: Banco Galicia based on BCRA

The Argentine Economy

FX Markets

FX Rates

In ARS/USD

FX Gap

As % of the official exchange rate

Source: Banco Galicia based on market data

The Argentine Economy

Monetary Performance

Monetary Aggregates

20-day Moving Average | % Change YoY

Net International Reserves

In USD billion

Source: Banco Galicia based on BCRA

The Argentine Economy

Inflation

National CPI

Market Expectations - Central Bank Survey

% Change MoM | % Change YoY

Annual Inflation

Inflation

% Change YoY

Source: Banco Galicia based on INDEC Source: Banco Galicia based on BCRA and own estimates

Agenda

01

The Argentine

Economy

02

The Argentine Financial System

03

Grupo Financiero

Galicia

04

Banco Galicia

05

Naranja X

06

Galicia Seguros

07

Fondos FIMA

08

Galicia Securities

The Argentine Financial System

Financial Depth

Deposits and Loans to the Private Sector

As % of GDP

Financial Depth

As % of GDP

Source: Banco Galicia based on Ministry of Economics and own estimations Source: Banco Galicia based on FELABAN and BCRA

The Argentine Financial System

Private Sector Deposits and Loans

Private Sector Deposits

% Change YoY

Private Sector Credit

% Change YoY

The Argentine Financial System

Breakdown of Deposits by Currency and Type

Private Deposits Mix

As % of Total Deposits

Deposits in AR$ Mix

As % of Deposits in AR$

The Argentine Financial System

Interest Rates

Interest Rate Spreads

Weighted by operated amounts

Cost of Liabilities

As %

Yield on Assets

Source: Banco Galicia based on BCRA Source: Banco Galicia based on Ministry of Economics and own estimates

The Argentine Financial System

Composition of the Banking System

Number

Market share Private-Sector Deposits (%)

Banking Institutions

60

Government-Owned Banks

14

31.3

Private Sector Banks

46

- Domestic Banks

34

39.0

- Foreing Banks

12

29.7

As of February 28, 2026 (latest available information).

The Argentine Financial System

Profitability

ROE ROA

6,9

2,2

4,4

15,8

16,4

16,2

27,6

0,5

1,0

1,0

1,9

2,4

4,1

5,4

2020 2021 2022 2023 2024 2025 Feb26

Efficiency

2020 2021 2022 2023 2024 2025 Feb26

48,3

48,0

60,2

65,6

65,9

68,7

2020 2021 2022 2023 2024 2025 Jan26

Source: Argentine Central Bank.

Inflation-adjusted figures since FY 2020.

The Argentine Financial System

Relevant Ratios

Total Capital Ratio Liquidity Ratio

23,8

25,6

28,6

29,6

30,2

32,4

40,6

45,2

65,0

68,7

74,4

88,6

2020 2021 2022 2023 2024 2025 Feb26 2020 2021 2022 2023 2024 2025 Feb26

NPL Ratio

1,6

3,1

3,5

4,3

4,2

5,3

2020 2021 2022 2023 2024 2025 Feb26

Source: Argentine Central Bank.

Agenda

01

The Argentine

Economy

02

The Argentine Financial System

03

Grupo Financiero Galicia

04

Banco Galicia

05

Naranja X

06

Galicia Seguros

07

Fondos FIMA

08

Galicia Securities

Grupo Financiero Galicia

Organizational Structure

EBA HOLDING

17.5% Shares 51.5% Votes

Capital Structure

BYMA 19,3%

Nasdaq 34,2%

EBA Holding 17,5%

Families EBA 6,5%

ANSES 22,5%

50%

Business Summary

Grupo Financiero Galicia

ROE

ROA FINANCIAL

MARGIN EFFICIENCY

1Q26 3.2%

- 564 bp y/y

FY26 3.2%

- 564 bp y/y

1Q26 0.6%

- 112 bp y/y

FY26 0.6%

- 112 bp y/y

1Q26 17.8%

- 142 bp y/y

FY26 17.8%

- 142 bp y/y

1Q26 39.9%

- 929 bp y/y

FY26 39.9%

- 929 bp y/y

As of March 31, 2026.

Grupo Financiero Galicia

Results from Equity Investments - 1Q26

In million AR$

47.653

Banco Galicia Naranja X Fondos Fima Galicia Seguros Other Net Income OCI Comprehensive

Income

Vs 1Q25

4%

-4%

11%

Quarterly figures.

Agenda

01

The Argentine

Economy

02

The Argentine Financial System

03

Grupo Financiero Galicia

04

Banco Galicia

05

Naranja X

06

Galicia Seguros

07

Fondos FIMA

08

Galicia Securities

Banco Galicia

Business Summary ROE

1Q26 2.9%

+ 72 bp y/y

NET LOANS

AR$ 19,537 bn

DEPOSITS

AR$ 23,753 bn

+ 17% y/y + 0% y/y

FY26. 2.9%

USD 14.1 bn

USD 17.2 bn

+ 72 bp y/y

ROA ASSETS EQUITY

1Q26 0.5%

3 bp y/y

AR$ 35,965 bn

AR$ 6,669 bn

- 4% y/y - 6% y/y

FY26 0.5%

3 bp y/y

USD 26.0 bn

USD 4.8 bn

As of March 31, 2026.

Exchange rate = 1,382.76 AR$ per USD.

Banco Galicia

Financial Structure

Assets

Cash and Due from Banks

Government Exposure

Net Financing

Other Assets

55%

Funding

Deposits

2%

Other Financial Liabilities

Negotiable Obligations Other Liabilities

Net Worth

66%

As of March 31, 2026.

Banco Galicia

TOP 10 Banks

Market Share of Private-Sector Loans (%)

Market Share of Private-Sector Deposits (%)

Galicia

Nación (P) Galicia BBVA

Santander

Macro Provincia (P)

ICBC

Nación (P)

Galicia

16,9%

14,9%

10,2%

10,0%

7,6%

7,3%

4,1%

80.4%

TOP 10

2,9%

Galicia

Santander

BBVA

Macro Provincia (P)

ICBC

17,8%

14,3%

10,4%

9,9%

8,4%

7,2%

5,1%

2,0%

Ciudad (P) Supervielle

As of January 31, 2026 (latest information available). Source: Argentine Central Bank.

(P) Goverment owned Banks.

Banco Galicia

Peer Comparison

Market Share of Private-Sector Loans (%)

Market Share of Private-Sector Deposits (%)

Galicia

Galicia

8,4%

7,6%

Galicia Galicia

BBVA

Santander

Macro

ICBC

Santander

BBVA

Macro

ICBC

As of January 31, 2026 (latest information available). Source: Argentine Central Bank.

Banco Galicia

Peer Comparison

Credit Cards

(in thousands)

Branches

Galicia

Galicia

BBVA

Santander

Macro

Supervielle

Macro

Galicia

Santander

BBVA

Supervielle

Galicia

As of January 31, 2026 (latest information available).

Source: Argentine Central Bank.

Banco Galicia

Customers

Consumer Banking Total: 6,307,787

Corporate Banking Total: 190,200

26%

8%

61%

5%

2%

14%

84%

Low Income Medium Income

High Income Prof. and Self-employed

Agribusiness Corporations SMEs

As of March 31, 2026.

Banco Galicia

Breakdown of Loans to the Private Sector

GROSS LOANS: AR$ 20,363 bn

Agribusiness 16%

Middle-Market Companies 15%

Individuals 43%

Large Corporations 24%

Financial Sector

2%

Dollar-denominated loans: 35.0%

As of March 31, 2026.

Banco Galicia

Loan Portfolio by Maturity

Pesos + UVA

12%

4%

11%

8%

18%

47%

Pesos

4%

0%

8%

11%

19%

58%

< 1 month 1 to 6 m 6 to 12 m 1 to 3 years 3 to 5 y > 5 y < 1 month 1 to 6 m 6 to 12 m 1 to 3 years 3 to 5 y > 5 y

Dollars

13%

7%

8%

20%

52%

< 1 month 1 to 6 m 6 to 12 m 1 to 3 years 3 to 5 y > 5 y

As of March 31, 2026.

Banco Galicia

Funding and Breakdown of Deposits

TOTAL FUNDING: AR$ 29,296 bn

Subordinated Bonds 2%

Negotiable Obligations 3%

Other(*) 14%

DEPOSITS: AR$ 23,753 bn

Saving accounts 23%

Time Deposits 59%

Deposits 81%

Checking accounts 18%

Dollar-denominated deposits: 46.4%

(*) Includes among other: repos, financial institutions, collections on account of third parties, debt with merchants.

As of March 31, 2026.

Banco Galicia

Asset Quality

180,22

91,4010

16,88

9,60

7,70

4,15

3,37

3,11

Mar-22 Mar23 Mar24 Mar25 Mar26

GFG NPL ratio Bank NPL ratio Naranja NPL ratio Bank Coverage ratio

Beginning in the fiscal year started on January 1, 2020, the expected credit loss model has been applied. As of March 31, 2026.

Banco Galicia

Capital Ratio

24,1

25,5

28,8

25,4

21,4

Mar-22 Mar23 Mar24 Mar25 Mar26

Total Capital Tier I

As of March 31, 2026.

Banco Galicia

Profitability

ROE

ROA

-6,9

2,2

2,9

-1,2

0,5

0,5

1Q25 4Q25 1Q26 1Q25 4Q25 1Q26

Financial Margin Efficiency

15,5

18,0

16,7

46,8

60,3

44,3

1Q25 4Q25 1Q26

FY26.

As of March 31, 2026.

1Q25 4Q25 1Q26

Banco Galicia

Relevant Ratios

NPL

Cost of Risk

2,7

6,9

6,9

12,5

9,5

1Q25 4Q25 1Q26

1Q25 4Q25 1Q26

Total Capital Liquidity

21,1

25,2

93,2

102,3

1Q25 4Q25 1Q26 1Q25 4Q25 1Q26

As of March 31, 2026.

Banco Galicia

Consolidated Income Statement - 1Q26

In million AR$

63,571

4,155

47.653

29.005

76.658

424,715

768.244

Vs 1Q25

10% 3%

-20%

Quarterly figures.

Agenda

01

The Argentine

Economy

02

The Argentine Financial System

03

Grupo Financiero Galicia

04

Banco Galicia

05

Naranja X

06

Galicia Seguros

07

Fondos FIMA

08

Galicia Securities

Business Summary ASSETS

AR$ 7,254 bn

- 1% y/y

USD 5.2 bn

EQUITY

AR$ 1,092 bn

- 10% y/y

USD 790 mn

NET LOANS

AR$ 4,937 bn

- 8% y/y

USD 3.6 bn

DEPOSITS

AR$ 2,158 bn

+ 7% y/y

USD 1.6 bn

PERSONAL LOANS Mk Share

5.0%

SAVING ACCOUNTS Mk Share

7.0%

Naranja X

Credit Cards

8.5 mn

Deposit Accounts

9.0 mn

Digital Clients

77%

Exchange rate = 1,382.76 AR$ per USD.

39

Naranja X

Profitability and Asset Quality Net Income

1Q26 AR$ (18.7) bn

- 122% y/y

FY26 AR$ (18.7) bn

- 122% y/y

ROE

1Q26 (6.9)%

- 3,642 bp y/y

FY26 (6.9)%

- 3,642 bp y/y

ROA

1Q26 (1.0)%

- 582 bp y/y

FY26 (1.0)%

- 582 bp y/y

Efficiency

1Q26 33.5%

+ 146 bp y/y

FY26 33.5%

+ 146 bp y/y

Financial Margin

1Q26 21.8%

- 119 bp y/y

FY26 21.8%

- 119 bp y/y

Cost of Risk

1Q26 23.0%

+ 816 bp y/y

FY26 23.0%

+ 816 bp y/y

NPL

1Q26 16.88%

+ 1,024 bp y/y

Coverage

1Q26 96.91%

- 2,669 bp y/y

40