Ayvens Q4 and Full Year 2024 results

Leasing and Services margins Underlying margins [1] stood at 541 bps in Q4 2024 vs. 507 bps in Q4 2023. Margins stood at EUR 675 million, up +44.9% vs. EUR 466 million in Q4 2023. For 2024, margins stood at EUR 2,697 million, corresponding to 532 bps of earning assets on an underlying basis. Used Car Sales (UCS) result per unit stood at EUR 1,267 [2] excluding the impacts of depreciation adjustments, with a gradual decrease vs. Q3 2024 (EUR 1,420) amplified by unfavourable seasonality. UCS result per unit at EUR 239 including the impacts of depreciation adjustments vs. EUR 493 in Q3 2024 Synergies [3] stood at EUR 41 million in Q4 2024, up from EUR 32 million in Q3 2024. In 2024 synergies amounted to EUR 121 million Cost to income ratio [4] stood at 60.2% in Q4 2024 and 63.2% in 2024 Cost of risk [5] stood at 27 bps vs. 19 bps in Q4 2023, 2024 cost of risk stood at 24 bps​ Net income (group share) stood at EUR 160 million in Q4 2024 and EUR 684 million in 2024 Return on Tangible Equity (ROTE) [5] stood at 7.8% in Q4 2024 and 8.6% in 2024 Earnings per share [6] stood at EUR 0.73 in 2024 vs. EUR 0.99 in 2023 Earning assets [7] were up +2.9% vs. end 2023 Proposed dividend [8] of EUR 0.37 per share (payout ratio of 50%[9]) CET1 ratio [10] stood at 12.6% as at end 2024 (Application of CRR3 from 1 January 2025 expected to result in a c. 70 bps increase in CET 1 ratio)

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[1] Leasing and Services margins excluding non-recurring items [2] Management information [3] Excluding UCS result, non-recurring items [4] Annualized impairment charges on receivables expressed as a percentage of average earning assets [5] Net income group share after deduction of interest on AT1 capital divided by average shareholder equity before non‑controlling interests, goodwill and intangible assets [6] Diluted Earnings per share, calculated according to IAS 33. Basic EPS for 2024 at EUR 0.75 vs. EUR 1.01 for 2023 [7] Net carrying amount of the rental fleet plus net receivables on finance leases [8] Subject to the approval of the Annual General Meeting of Shareholders [9] Based on Net income group share after deduction of interest on AT1 capital [10] Including a EUR 93 million provision related to the UK motor finance commissions