FinecoBank — Capital/Financing Update 2025

Nov 3, 2025

Data/Ora Ricezione : 3 Novembre 2025 17:06:25

Oggetto : PR FINECOBANK_SREP REQUIREMENTS

2025

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PRESS RELEASE

FinecoBank, capital ratios well above the capital requirements assigned by the European Central Bank

Milan, November 3rd, 2025

Following the Supervisory Review and Evaluation Process (SREP), the European Central Bank has communicated that the Pillar 2 Capital Requirement (P2R) for the FinecoBank Group remains unchanged from the previous one.

The FinecoBank Group is required to comply with the following capital requirements on a consolidated basis:

• 8.68% of CET1 Ratio
• 10.55% of T1 Ratio
• 13.05% of Total Capital Ratio

The above capital ratios include the Pillar 2 capital Requirement (P2R) equal to 2.00%¹ and the Combined Buffer Requirement (CBR) to be met with CET1 instruments, composed by 2.50% Capital Conservation Buffer (CCB), 0.14% Countercyclical Capital Buffer (CCyB)² and 0.40% Systemic Risk Buffer (SyRB)³ .

As of 30 June 2025, FinecoBank Group capital ratios stood at:

• 23.46% CET1 Ratio
• 32.07% T1 Ratio
• 32.07% Total Capital ratio

Contacts:

Fineco - Media Relations Fineco - Investor Relations Tel.: +39 02 2887 2256 Tel. +39 02 2887 2358 mediarelations@finecobank.com investors@finecobank.com

Barabino & Partners Tel. +39 02 72023535 Emma Ascani +39 335 390 334 e.ascani@barabino.it

¹ Following CRD V Art. 104a, banks shall meet the Pillar 2 Capital Requirement (P2R) with at least 75% of Tier 1 capital and at least 56.25% of Common Equity Tier 1 (CET1) capital.

² CCyB as of 30 June 2025. The CCyB depends on the Group's exposure towards the countries where countercyclical buffer rates are or will be set, therefore it may vary on a quarterly basis.

³ SyRB as of 30 June 2025. The SyRB depends on the Group's credit and counterparty risk-weighted exposures to residents of Italy, therefore it may vary on a quarterly basis.