ABN AMRO Bank N.V.

Report Publication Announcement • Nov 12, 2025

ABN AMRO to acquire NIBC Bank reinforcing its strong position in the Netherlands

Amsterdam – 12 November 2025 Investor Relations

Adding scale to our activities

NIBC at a glance

Mortgages Savings Corporate banking

• High quality Dutch portfolio with very low arrears of only 0.1%
• Attractive originate-to-manage franchise with off-balance sheet longdated mortgages, all owner-occupied
• Buy-to-let portfolio of 1bn with a low loan-to-market value ratio of ~50%

• Same administrator as ABN AMRO, creating significant synergy potential

• Strong savings franchise across three priority geographies

• Established savings client base, presenting potential to expand in savings and investment product offerings

• Relatively high share of affluent clients

• Well diversified commercial real estate exposure across residential, offices, industrial, hotel and retail, mainly in the Netherlands

• Digital infrastructure lending in existing geographical footprint
• Non-core portfolio not part of the transaction

| 3 Source: NIBC H1 2025 reported figures in EUR

Highly attractive capital deployment opportunity

Transaction details

¹⁾ RoIC calculated as acquired net income over invested capital. Net income includes run-rate dis-synergies. Invested capital includes one-off costs and integration costs

²⁾ Including alignment with ABN AMRO risk standards assumed as day-1 one-off charges

Disclaimer

For the purposes of this disclaimer ABN AMRO Bank N.V. and its consolidated subsidiaries are referred to as "ABN AMRO". This document (the "Presentation") has been prepared by ABN AMRO. For purposes of this notice, the Presentation shall include any document that follows and relates to any oral briefings by ABN AMRO and any question-and-answer session that follows such briefings. The Presentation is informative in nature and is solely intended to provide financial and general information about ABN AMRO following the publication of its most recent financial figures. This Presentation has been prepared with care and must be read in connection with the relevant Financial Documents (latest Quarterly Report and Annual Financial Statements, "Financial Documents"). In case of any difference between the Financial Documents and this Presentation the Financial Documents are leading. The Presentation does not constitute an offer of securities or a solicitation to make such an offer, and may not be used for such purposes, in any jurisdiction (including the member states of the European Union and the United States) nor does it constitute investment advice or an investment recommendation in respect of any financial instrument. Any securities referred to in the

Presentation have not been and will not be registered under the US Securities Act of 1933. The information in the Presentation is, unless expressly stated otherwise, not intended for residents of the United States or any "U.S. person" (as defined in Regulation S of the US Securities Act 1933). No reliance may be placed on the information contained in the Presentation. No representation or warranty, express or implied, is given by or on behalf of ABN AMRO, or any of its directors or employees as to the accuracy or completeness of the information contained in the Presentation. ABN AMRO accepts no liability for any loss arising, directly or indirectly, from the use of such information. Nothing contained herein shall form the basis of any commitment whatsoever. ABN AMRO has included in this Presentation, and from time to time may make certain statements in its public statements that may constitute "forward-looking statements". This includes, without limitation, such statements that include the words 'expect', 'estimate', 'project', 'anticipate', 'should', 'intend', 'plan', 'probability', 'risk', 'Value-at-Risk ("VaR")', 'target', 'goal', 'objective', 'will', 'endeavour', 'outlook', 'optimistic', 'prospects' and similar expressions or variations on such expressions. In particular, the Presentation may include forwardlooking statements relating but not limited to ABN AMRO's potential exposures to various types of operational, credit and market risk. Such statements are subject to uncertainties. Forward-looking statements are not historical facts and represent only ABN AMRO's current views and assumptions on future events, many of which, by their nature, are inherently uncertain and beyond our control. Factors that could cause actual results to differ materially from those anticipated by forward-looking statements include, but are not limited to, (macro) economic, demographic and political conditions and risks, actions taken and policies applied by governments and their agencies, financial regulators and private organisations (including credit rating agencies), market conditions and turbulence in financial and other markets, and the success of ABN AMRO in managing the risks involved in the foregoing. Any forwardlooking statements made by ABN AMRO are current views as at the date they are made. Subject to statutory obligations, ABN AMRO does not intend to publicly update or revise forward-looking statements to reflect events or circumstances after the date the statements were made, and ABN AMRO assumes no obligation to do so.

Appendix

NIBC financials

• Established in 1945, NIBC is a well-managed largely Dutch focused entrepreneurial bank
• Specialised in mortgage lending, saving products, commercial real estate and digital infrastructure lending
• NIBC serves ~325k savings clients, ~200k mortgage clients and ~175 corporate clients within ABN AMRO's Northwest European geographical footprint

Geographical split

EUR m	H1 2025
Net interest income	161
Net fee and commission income	19
Other operating income	17
Operating income	196
Operating expenses	99
Operating result	97
Impairment charges	12
Income tax expenses	23
Profit	63
o/w attributable to shareholders	55
Cost/income ratio	50%
Cost of risk (in bps)	13
Return on equity	7.9%
CET1 ratio	18.3%
Shareholder's equity	1,419
EUR bn
Client lending	18
Client deposits	12
RWA	7
Internal FTEs (#)	594

7

Source: NIBC H1 2025 reported figures in EUR