EUROBANK S.A.

Eurobank S.A. is the operating banking subsidiary of Eurobank Ergasias Services and Holdings S.A., headquartered in Athens and supervised within the European banking union by the European Central Bank under the Single Supervisory Mechanism and by the Bank of Greece. The bank provides retail and corporate banking, SME lending, transaction banking, trade finance, treasury, investment banking, asset management, private banking, leasing and factoring, delivered through branches, ATMs and digital channels in Greece and select markets abroad. Its international footprint centers on Southeastern Europe, including Eurobank Bulgaria AD (Postbank) and activities in Cyprus, where Eurobank has built a majority stake in Hellenic Bank, alongside wealth and fund services in Luxembourg and select wholesale and wealth operations in other European hubs. Funding is predominantly customer deposits, supplemented by covered bonds and senior instruments issued to meet Minimum Requirement for Own Funds and Eligible Liabilities (MREL). In recent years the group reduced non‑performing exposures substantially through securitisations and organic cures, and reports capital and liquidity ratios above regulatory minima, subject to periodic supervisory review. Eurobank applies IFRS reporting, MiFID II and PSD2 frameworks, and maintains open‑banking APIs for licensed third parties. Standard products include current and savings accounts, payments and cards, consumer and mortgage lending, business loans and credit lines, merchant and cash‑management services, investment funds and brokerage; pricing and eligibility depend on product terms and client risk. Eligible deposits in Greece are protected by the Hellenic Deposit and Investment Guarantee Fund up to 100,000 euros per depositor per bank, while subsidiaries and branches follow the applicable local schemes. Recent capital markets activity has focused on MREL‑eligible issuance and a return to shareholder distributions subject to regulatory approval.