Disclosure Devil - Summary

ABN AMRO to acquire NIBC Bank reinforcing its strong position in the Netherlands Amsterdam – 12 November 2025 Investor Relations Reinforce our top position in Dutch mortgages with ~200k new clients Asset-based lending serving ~175 corporate clients in our geographical footprint Gain access to an attractive savings franchise with ~325k clients Significant synergy potential with low execution risk Highly attractive value creation with a Return on Invested Capital of around 18% | 2 Adding scale to our activities NIBC at a glance | 3 On-balance 51% Off-balance 49% 28bn 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 long- dated 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 On demand 54% Term deposit 46% Netherlands 59% Germany 28% Belgium 13% 12bn Commercial real estate 51% Digital infrastructure 49% 4bn Source: NIBC H1 2025 reported figures in EUR Highly attractive capital deployment opportunity Transaction details | 4 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 Financial impact ~18% RoIC ~70bps CET1 impact ~100m run-rate synergies Closing H2 2026 0.85x Book value ▪ABN AMRO to pay 0.85x book value, subject to closing adjustments ▪Estimated price around EUR 960 million based on assumed equity position at closing ▪Around EUR 100m post-tax run-rate cost synergies, net of dis-synergies in 2029 ▪Potential further upside from revenue synergies ▪Around 18% Return on Invested Capital (RoIC) by 2029 1) ▪Around 70 basis points CET1 impact expected at closing 2) ▪Expected to close in the second half of 2026, subject to regulatory approvals 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. 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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. | 5 Appendix NIBC financials | 7 • 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 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 Netherlands 92% Germany 4% UK 2% Belgium 2% 196m Operating income Geographical split Source: NIBC H1 2025 reported figures in EUR