Vanquis Banking : Semi-annual Pillar 3 regulatory capital disclosures 30 June 2025 (JUN25 VANQ Pillar 3 disclosures SemiAnnual)

About this update from Vanquis Banking Group Plc

@ vonquis Semi-annual Pillar 3 disclosures 30 June 2025 Introduction This document sets out the consolidated Vanquis Banking Group plc (the Company) semi-annual Pillar 3 disclosures (together with its subsidiaries "the Group") at 30 June 2025 in accordance with the requirements of the UK Capital Requirements Regulation (CRR). The Group and Bank are classified asa Small Domestic Deposit Taker (SDDT) Consolidation Entity and SDDT respectively. The Group's disclosure requirements are therefore set out in Article 433b of the Rulebook. This requires that the Group produces an annual Pillar 3 Report and discloses key metrics ona half yearly basis. The Group On 30 June 2025, the Group had two principal trading entities - Vanquis Bank Limited (the Bank) and Moneybarn No.1 Limited (Moneybarn). The Group is the subject of consolidated supervision by the PRA by virtue of Vanquis Banking Group plc being the parent company of Vanquis Bank Limited (the Bank). The PRA sets requirements for the consolidated Group and the Bank in respect of capital and liquidity adequacy and large exposures. The core products of the Group comprise: Credit Cards - via the Vanquis brand; Vehicle Finance - via the Moneybarn brand; Second Charge Mortgages - via forward flow agreements; savings - fixed-term products, notice accounts, cash ISAs and easy-access accounts; and budgeting and money management - via Snoop. Disclosure framework The Group is regulated for prudential capital purposes under the Basel 3 regime, the international regime governing capital maintenance in banks, which is supervised by the Basel Committee on Banking Supervision (BCBS). In the UK, this regime is enforced through the PRA Rulebook (the Rulebook), following the implementation of the Financial Services Act 2021 on 1 January 2022. The Group has adopted the standardised approach (SA) for credit risk and the alternative standardised approach (ASA) for operational risk. Basis of preparation and review These disclosures have been subject to internal verification and have been reviewed by the Board Risk Committee. These disclosures have not been externally audited and do not constitute any part of the Group's financial statements. Article 432 of the CRR states that institutions may omit one or more of the Pillar 3 disclosures if the information is not regarded as material. Information in disclosures shall be regarded as not material if the Group does not expect that its omission or misstatement would change or influence the assessment or decision of a user relying on that information for the purpose of making economic decisions. No disclosures required by Article 433b have been omitted on the grounds of materiality from this document. The Group has no Additional Tier 1 capital and as such there is no difference between the CET1 ratio and the Tier 1 ratio reported in this document. A between regulatory own funds to the balance sheet in the audited financial statements is not required by Article 433b. Under Annex II to the Disclosure (CRR) part of the Rulebook, information on the result of the Group's internal capital adequacy assessment process 438(a) CRR) be by institutions when required by the relevant competent authority. This has not been requested from the Group. Key metrics This section sets out the Group's key capital and liquidity metrics. UK KM1 - Key metrics template 0 C Em 30 Jun 25 31 Dec 24 30 Jun 24 Available own funds (amounts) 1 1 Common Equity Tier 1 (CET1) capital 348.0 359.2 2 Tier 1 capital 348.0 344.3 359.2 3 Total capital 548.0 559.2 Risk-weighted exposure amounts 4 Total risk-weighted exposure amount 1,882.7 1,813.4 Capital ratios (as a percentage of risk-weighted exposure amount) 5 Common Equity Tierl ratio (%) 18.5 18.8 19.8 Tier lratio(%) 18.5 18.8 19.8 7 Total capital ratio (%) 29.1 29.7 30.8 UK 7a UK 7b UK 7c Additional own funds requirements based on SREP (as a percentage of risk-weighted exposure amount) Additional CET1 SREP requirements (%) 2.2 Additional AT1 SREP requirements (%) 0.7 Additional T2 SREP requirements (%) 1.0 2.2 0.7 1.0 2.2 0.7 1.0 UK 7d Total SREP own funds requirements 11.9 Combined buffer requirement (as a percentage of risk-weighted exposure amount) 11.9 11.9 8 Capital conservation buffer (%) UK8o Conservation buffer due to macro-prudential or systemic risk identified at the level of a member state (%) 2.5 2.5 2.5 9 UK9o 10 UK10o 11 UKllo 12 Institution specific countercyclical capital buffer (%) Systemic risk buffer (%) Global systemically important Institution buffer (%) Other systemically important Institution buffer Combined buffer requirement (%) Overall capital requirements (%) CET1 available after meeting the total SREP own funds requirements Leverage ratio 2.0 4.5 16.4 11.8 2.0 4.5 16.4 12.1 2.0 4.5 16.4 13.1 Total exposure measure excluding claims on central banks Leverage ratio excluding claims on central banks (%) Additional leverage ratio disclosure requirements 2 Liquidity coverage ratio 2,779.1 2,482.6 12.5 13.9 15.4 Total high-quality liquid assets value average) 879.6 802.0 642.1 UK 16a UK 16b 16 17 Cash outflows - total weighted value 249.1 194.8 Cash inflows - total weighted value 71.0 78.3 Total net cash outflows (adjusted value) 178.1 116.4 Liquidity coverage ratio (%) 2 563.8 1,001.2 Net stable funding ratio ³ 155.4 74.7 1,085.9 Own funds amounts are stated on an accrued any gains not yet of any foreseeable dividend, if applicable). In with the UK KM1 template instructions only LREO shaII disclose values in rows 14a to 14e - as neither the Group nor Bank are to LREQ, these rows have not been included. These measures are based on a average of month-end therefore, it cannot be directly calculated from the values above. In March 2024, the Group received that it is now a Small Taker consolidation entity. As a result, the Group not required to report the NSFR from the 30 June 2024 date onwards - no average metrics are therefore provided. This isa PRA fixed format template; therefore, not required have been left or indicated as not above. 2

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