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Banco BPM SpA

Investor Presentation • Sep 25, 2024

4282_ip_2024-09-25_570bd567-ff0b-4765-8215-38cf772ca39d.pdf

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Bank of America Merrill Lynch 29th Annual Financials CEO Conference 2024

25 September 2024

Banco BPM: well on track on Strategic Plan 2023-26 trajectory

CAPITAL POSITION ~14% 15.2% 2026 Strategic Plan Landing Point € m CET 1 RATIO WELL AHEAD OF PLAN TRAJECTORY 2024 DISTRIBUTION: OVERDELIVERY >€1BN POTENTIAL EXCESS CAPITAL WITHOUT CONSIDERING LONG-TERM POSITIVE IMPACT FROM DTAs AND FVOCI RESERVES³ 30/06/2024

Notes 1. «Static» calculation, including sensitivity on cost of Certificates, classified at NFR level to +/- 100bps parallel shift of interest rates. 2. Excluding one-off items 3. As at 30/06/24: (i) Net DTAs are equal to ~€3.2bn, of which ~50% from tax loss carried forward and temporary differences and ~50% convertible into tax credits; (ii) negative FVOCI reserves post tax are ~€500m. 4. Actual, i.e. already distributed on 2023 net profit

Bank of America Merrill Lynch 29th Annual Financials CEO Conference 2024