Bff Bank

Earnings Release • Dec 10, 2025

PRESS RELEASE

Standard Ethics upgrades BFF's Outlook from "Stable" to "Positive"

Milan, 10th December 2025 – BFF Bank S.p.A. ("BFF" or the "Bank") is pleased to announce that Standard Ethics Ltd. ("Standard Ethics"), an independent sustainability rating agency, improved the Bank's Outlook from "Stable" to "Positive", confirming the Corporate Standard Ethics Rating (SER) to "EE-".

Standard Ethics highlighted the Bank's progress in sustainability, with the adoption of policies covering the main ESG themes in line with the recommendations from the UN, OECD and European Union, as well as the implementation of its governance of sustainability model and the improvement in its ESG Risk Management system.

In 2024 the Bank adopted a Sustainability Policy as well as an Environmental Policy, and in June 2025 it introduced an ESG Procurement Policy.

Standard Ethics further noted that the Bank's Board of Directors, appointed in 2024, meets the international standards of independence, internationality and gender equality, and that the remuneration of the administrative bodies and top management also includes ESG objectives.

BFF's ESG reporting adheres to industry best practices. Over the past financial yearthe Bank also adopted a decarbonization strategy aimed at eliminating emissions from its branches and initiated a reporting project on financed emissions.

The official press release is available on the Standard Ethics website.

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Standard Ethics is a Self-Regulated Sustainability Rating Agency that issues Non-Financial Sustainability Ratings. Standard Ethics has been self-regulating since the beginning of its activity in line with statutory regulations. Standard Ethics' clients are companies that wish to acquire a rating (Applicant-Pay Model). Consultancy services are in no way provided to investors. As a brand, Standard Ethics has been making a name for itself in the world of Sustainable Finance and ESG (Environmental, Social and Governance) studies since 2004 and aims to promote the sustainability and governance standard principles emanating from the European Union, the OECD and the United Nations. For further details on the sustainability rating methodology adopted by Standard Ethics, see www.standardethics.eu.

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This press release is available on-line on BFF Group's website www.bff.com within the Investors > PR & Presentations > Press Releases section.

BFF Banking Group

BFF Banking Group is the largest independent specialty finance in Italy and a leading player in Europe, specialized in the management and non-recourse factoring of trade receivables due from the Public Administrations, securities services, banking and corporate payments. The Group operates in Italy, Croatia, the Czech Republic, France, Greece, Poland, Portugal, Slovakia and Spain. BFF is listed on the Italian Stock Exchange. In 2024 it reported a consolidated Adjusted Net Profit of €143.0 million, with a 13.4% Group CET1 ratio at the end of September 2025.

Contacts

www.bff.com

Investor Relations Caterina Della Mora Marie Thérèse Mazzocca +39 02 49905 631 investor.relations@bff.com

Media Relations Alessia Barrera Sofia Crosta +39 02 49905 623 |+39 340 3434 065 newsroom@bff.com