Bper Banca

Capital/Financing Update • Oct 9, 2025

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Data/Ora Ricezione : 9 Ottobre 2025 20:19:02

Oggetto : SREP requirement revised after the acquisition

of Banca Popolare di Sondrio

Testo del comunicato

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PRESS RELEASE

SREP REQUIREMENT REVISED AFTER THE ACQUISITION OF BANCA POPOLARE DI SONDRIO

BPER BANCA'S STRONG CAPITAL POSITION CONFIRMED

Modena, 9 October 2025 – BPER Banca announces that, following the conclusion of BPER Banca's public tender and exchange offer for the ordinary shares of Banca Popolare di Sondrio, the European Central Bank notified BPER Banca of its decision amending the Decision establishing prudential requirements to be met on a consolidated basis pursuant to art. 16 of Council Regulation (EU) No. 1024/2013, which was addressed to the Bank in relation to the Supervisory Review and Evaluation Process (SREP) on 3 December 2024.

The new requirement that BPER Banca will have to comply with on a consolidated basis in terms of Common Equity Tier 1 ratio ("CET1 ratio") is 9.40% (vs. prior 9.32%), consisting of the sum of the minimum regulatory Pillar 1 requirement of 4.5%, the additional Pillar 2 requirement of 1.35%¹ and the Combined Buffer Requirement of 3.55%² , while the minimum Total Own Funds Requirement ("Total Capital Ratio") shall be 13.95%.

BPER's pro-forma consolidated capital ratios3 as at 30 June 2025 are as follows:

• Common Equity Tier 1 (CET1) ratio: 16.22%.
• Total Capital Ratio: 21.03%.

The above ratios are significantly in excess of the minimum capital requirements set by the ECB.

BPER Banca S.p.A.

Contatti:

Investor Relations

investor.relations@bper.it

Media Relations

mediarelations@bper.it

www.bper.it – group.bper.it

This press release is also available in the EMARKET storage system.

¹ The additional Pillar 2 requirement communicated by the ECB to BPER shall be 2.40%, to be held in the form of 56.25% of CET1 capital and 75% of Tier 1 capital, as a minimum.

² The Combined Buffer Requirement is made up of the Capital Conservation Buffer (2.50%), the O-SII Buffer (0.25%), the Countercyclical Capital Buffer (0.06% as at 30/6/2025) and the Systemic Risk Buffer (0.74% as at 30/6/2025).

³ The pro-forma capital ratios were calculated by including profit for the period for the portion not allocated to dividends, thus simulating, in advance, the effects of the ECB's authorisation to include these profits in Own Funds pursuant to art. 26, para. 2 of the CRR.