EFG International AG

Earnings Release • Nov 25, 2025

Ad hoc announcement pursuant to Art. 53 LR

Zurich, 25 November 2025

10M25: Record net profit of approximately CHF 320 million¹ and net new assets of CHF 9.3 billion

• Net profit totalled approximately CHF 320 million¹ in 10M25, including a CHF 45 million net contribution from previously announced insurance recovery (10M24: net profit in excess of CHF 260 million)
• Annualised return on tangible equity² was approximately 21.5%, exceeding EFG’s target range of 15-18% 
• Net new assets totalled CHF 9.3 billion, corresponding to an annualised growth rate of 6.8%, exceeding EFG’s target range of 4-6%
• Assets under Management totalled approximately CHF 183.7 billion at end-October 2025 (end-June 2025: CHF 162.3 billion), reaching the highest level ever at EFG; this reflects strong net new assets and the first-time consolidation of Cité Gestion and Investment Services Group (ISG)
• Revenue margin was 99 basis points for 10M25 compared to 104 basis points in 1H25 and 96 basis points for FY24
• Cost/income ratio was 69.0% for 10M25, compared to 66.7% in 1H25 and 72.9%³ in FY24. The cost/income ratio includes the impact of the acquisitions closed in June and October 2025
• 71 Client Relationship Officers (CROs) hired, signed or under offer in 10M25, excluding CROs from Cité Gestion and ISG

• Strong capital and liquidity position, with a CET1 Ratio of 15.6%, a Total Capital Ratio of 19.1% and a Liquidity Coverage Ratio of approximately 219% at end-October 2025

  1 All financial figures in this media release are unaudited.

  2 For a full definition of Alternative Performance Measures, reconciliations and all additional information, please refer to the full footnotes on page 4 of the media release .

  3 Excludes CHF 5.0 million of depreciation expenses related to tangible assets previously classified as held for sale related to prior years. See alternative performance measures.

Giorgio Pradelli, CEO of EFG International, commented:  *“We have consistently delivered against our 2025 financial targets and are exceeding our 2025 ambition. In the first ten months of the year, we once again generated a record net profit and we have maintained our strong business momentum through the second half of 2025. Our strong organic growth was complemented by the strategic acquisitions of Cité Gestion and ISG which added more than CHF 10 billion to our Assets under Management. Supported by our resilient and well diversified topline and thanks to our disciplined approach to cost, we have consistently generated operating leverage and have built scale by achieving our highest-ever Assets under Management. We are entering the new 2026-2028 strategic cycle from a position of strength.”

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About EFG International

EFG International is a global private banking group offering private banking and asset management services and is headquartered in Zurich. EFG International’s group of private banking businesses operates in over 40 locations worldwide. Its registered shares (EFGN) are listed on the SIX Swiss Exchange.

EFG International AG, Bleicherweg 8, 8001 Zurich, Switzerland

www.efginternational.com

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This document has been prepared by EFG International AG (“EFG”) solely for use by you for general information only and does not contain and is not to be taken as containing any securities advice, recommendation, offer or invitation to subscribe for, purchase or redeem any securities regarding EFG.

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