Message from our CEO

I am pleased to present our Annual Report 2025, a significant year, because of our strong operational and financial performance. This year represented a pivotal moment for our standing within ABN AMRO Bank N.V., asmaintaining our global top-three position was formally embedded as one of the five strategic ambitions presented at Capital Markets Day. This recognition, along with stronger strategic alignment, opens new opportunities for growth across our global franchise.

As ABN AMRO Clearing Bank, we delivered firmly on our 2025 strategic agenda. We continued to executethe 1Global operating model, harmonising service levels, product offerings and IT solutions across all time zones. We enhanced our regulatory compliance capabilities and completed several strategic initiatives. A key milestone was the approval of our new branch licence in Hong Kong, further reinforcing our presence in the Asia-Pacific region and positioning us to better serve clients active in this important market.

Our financial performance exceeded expectations, with operating income of EUR 748 million and net profit ofEUR 298 million, driven by growing our offering and footprint with clients, uncertainty on financial markets because of the geopolitical instability and (announced) changes in trade tariffs globally. These results underline the strength of our business model, the trust of our clients, and the resilience and commitment of our teams across all regions. We navigated a year marked by increasing geopolitical uncertainty and rapid technological shifts. We saw more markets moving toward next-business-day settlement (T+1) cycles and an emerging expectation of near-continuous 23/5 and even 24/7 market operations.

Clients are increasing likely to recommend us, as is reflected by our strong Net Promoter Score. Theseresults reflect the dedication and engagement of our people, whose professionalism, collaboration, and long-term commitment continue to sustain our reputation in global markets.

We continue to aim for profitable growth, drive efficiency and operate within our risk appetite. By building on opportunities with existing clients and diversifying across regions and client types, we are well positioned to sustain growth and maintain our global top-three position.

Amsterdam, 28 May 2026

Rutger Schellens

CEO of ABN AMRO Clearing Bank N.V.