Month: September 2026

Press Release

A solid first half of 2026
reinforcing the strategic plan

• Earned premiums & savings inflows: €2,646 million¹, up 45.1%²

Growth excluding KOREGE, consolidated since November 2025: +1.2% (despite the decline in health insurance)

• Solid growth in property & casualty insurance with earned premiums increasing by 4.5%

Continued increase in new business alongside a decline in policy cancellations

• Assets under management up 6.2%³ to €24.1 billion

Integration of KOREGE in line with expectations
Very strong performance from Matmut Vie with gross inflows up 22.4%

• Health insurance: activity up 8.6% for Mutuelle Ociane Matmut

Overall activity down 18.5% due to the loss of a major contract by Mgéfi (MEFSIN – Ministry of Finance)
Ongoing merger of the group’s health activities as announced

• Challenging regulatory environment for health insurance in France
• At this stage of the year, strategic plan financial outlook confirmed based on the Group’s current assessment of the cost of the weather-related claims recorded to date in 2026

Commenting on the activity for the first half of 2026, Nicolas Gomart, Vice-President and CEO of Matmut Group, stated:

“Matmut Group delivered a solid performance in the first half of 2026. Our property and casualty insurance businesses achieved strong commercial results, validating our strategic choices in terms of product design and pricing. Savings and protection continued to grow, further demonstrating the strategic rationale behind the acquisition of KOREGE. Its integration into the Group is progressing as planned.

The reorganisation of our health insurance business is now taking shape, as announced last September, following the loss of a major contract by Mgéfi. The merger of Mutuelle Ociane Matmut and Mgéfi is expected to become operational on 1 January 2027, subject to final approval by the ACPR. We are carrying out this transaction in line with our stated objectives: safeguarding employment and creating a more agile and diversified business within the Group, well positioned to capture growth opportunities in both the individual and group health insurance markets.

As our current strategic plan “Objective: Impact! 2024-2026” approaches completion, we reaffirm the financial targets set at its launch, based on the Group’s current assessment of the cost of the weather-related claims recorded to date in 2026. We are now preparing our next strategic plan with a strong sense of responsibility, taking into account the challenges facing our country and our policyholder-members, while seeking to further strengthen the development of our core businesses. The new plan will be presented in early 2027. We remain mindful of regulatory uncertainty and of the various proposals to shift costs currently borne by the public sector to private operators.

I would like to thank our employees and partners for their commitment throughout the first half of the year, as well as the five million people we protect and who place their trust in us.”

Activity for the first half of 2026

Rouen, 17 September 2026 – The Matmut Group’s revenue increased by 45.1% in the first half of 2026 compared with the first half of 2025, representing €2,646 million in combined earned premiums and savings inflows. Excluding the integration of KOREGE, growth stood at 1.2%, despite the loss of a significant health insurance contract. These figures reflect:

• Solid organic growth,
• The consolidation of KOREGE over the period (which entered the scope in November 2025),
• The termination at the end of 2025 of the major contract held by Mgéfi with the Ministry of Finance (MEFSIN) for supplementary social protection.

Property & Casualty insurance

The Group’s historical activity, property & casualty insurance, continued to grow, with earned premiums up 4.5% to €1,200 million and the number of contracts increasing by 1.2%. This solid momentum was driven by offerings tailored to policyholders’ needs at competitive price levels.

The strong momentum in new P&C business observed in 2025 continued during the first half of 2026, despite a high comparison base in the first half of 2025. This was accompanied by a decline in the number of policy cancellations.

Within P&C insurance, motor insurance earned premiums increased by 4.3% to €762 million, driven by positive volume growth combined with pricing adjustments reflecting the underlying upward trend in claims costs.

Home insurance delivered the strongest performance within the P&C segment, with earned premiums up 6.1% to €313 million, alongside a slight increase in the number of policies. A more granular risk assessment has enabled more accurate pricing. At the end of June 2026, the cost of major weather-related events—including storms, the winter cold spell and spring hailstorms—was higher than an already elevated level in the first half of 2025. Weather events over the summer, particularly wildfires and hailstorms, have further reinforced this trend.

Other P&C insurance, comprising mainly commercial multi-risk and personal accident policies, recorded a 2.0% increase in earned premiums and a 1.8% increase in the policy portfolio.

Health insurance

The first half of the year was characterised by two contrasting trends. Mutuelle Ociane Matmut continued to deliver strong revenue growth, up 8.6% at the end of June 2026, while the number of policies increased by 4.4%. Conversely, as announced in September 2025, Mgéfi’s supplementary social protection contract covering employees of the Ministry of Finance (MEFSIN) came to an end in late December 2025. It is worth noting that 95% of the Ministry’s retired employees, who were also covered under this contract, chose to maintain their coverage with Mgéfi. This remarkable level of retention reflects policyholders’ particularly positive assessment of Mgéfi’s offering and quality of service.
Overall, including the impact of the termination of this contract, the health insurance business recorded an 18.5% decrease in earned premiums to €367 million, while the policy portfolio declined by 13%.

Savings and protection

This business comprises life insurance and protection products for individual and professional customers, including borrower insurance and funeral insurance. Over the period, revenue nearly quadrupled to €1,080 million. This very strong growth was driven by:

• A favourable scope effect resulting from the integration of KOREGE, which was consolidated into the Group in November 2025. KOREGE’s products are primarily distributed through CCF bank. Despite the restructuring of its network in 2025, net inflows were positive in the first half of the year, reaching €179 million. Including the run-off portfolio, the Group recorded slightly negative net inflows of €25 million.
• A very strong commercial performance from Matmut Vie, with gross inflows rising to €244 million and net inflows reaching €205 million over the first half of the year. The Group successfully distributes its products directly through its branch network and in-house team of wealth management advisers.
• Mutlog’s protection insurance business, which includes borrower insurance, recorded double-digit growth in both earned premiums and the number of policies in force.

Investments

During the first half of the year, the Group continued to enhance the accretion of its portfolio yield (actuarial yield) by increasing purchases of bonds offering yields above 4%. By focusing in particular on primary issuances of French sovereign debt, the Matmut Group is contributing to the financing of public investment programmes, including initiatives aimed at strengthening national sovereignty.

The unlisted portfolio accounts for 7% of total assets under management and has a limited risk profile for this asset class, reflecting a high degree of diversification across investment vehicles, sectors, maturities and geographies. Private debt exposure is 95% concentrated in Europe.

Outlook

The strategic plan “Objective: Impact! 2024-2026″is approaching completion, with the vast majority of its objectives achieved, as demonstrated by the strong commercial performance recorded in the first half of the year. At this stage of the year, and based on the Group’s current assessment of the cost of events that occurred over the summer, the Group confirms the financial targets set at the outset of the strategic plan:

• Solvency II ratio 2026 between 180% and 220% (215% in 2025),
• Non-life net combined ratio 2026 below 100% (96.4% in 2025),
• Return on equity 2026 between 3% and 4% (6.6% in 2025).

It should be noted that the 2025 combined results benefited from several positive exceptional items, including the consolidation of KOREGE for the final two months of the year, together with a low corporate tax rate at the combined level; a contribution to net income from Mutuelle Ociane Matmut, which reached a peak level of profitability; and strong financial results across all Group entities.
Conversely, the 2026 results will reflect the impact of the termination, at the end of 2025, of the supplementary social protection contract for the Ministry of Finance, the costs associated with reintegrating KOREGE’s information systems into Matmut’s infrastructure, as well as a significant increase in weather-related claims at this stage of the second half of the year.
For the health insurance business, the potential implementation of the 2026 premium freeze would have an estimated €25 million impact. The constitutionality of this measure is currently under review by the Constitutional Council, which is expected to issue its decision by the end of October 2026.

The Group’s next strategic plan, currently being developed by its teams, will be presented in early 2027.

Half-year combined data

Earned premiums & Savings collection
€m	June-25	June-26	June-26/ June-25 change
Property & casualty insurance	1,148	1,200	4.5%
Motor	730	762	4.3%
Home	295	313	6.1%
Other	122	125	2.0%
Savings and protection*	225	1,080	378.9%
Health insurance**	450	367	-18.5%
Total earned premiums & Savings collection	1,823	2,646	45.1%

* Change Matmut Vie Epargne i.e. excluding KOREGE épargne: +22.4%
** Change Mutuelle Ociane Matmut i.e. excluding Mgéfi: +8.6%

Contracts
thousands	June-25	June-26	June-26/ June-25 change
Property & casualty insurance	7,058	7,143	1.2%
Motor	2,849	2,878	1.0%
Home	2,322	2,344	1.0%
Other	1,887	1,921	1.8%
Savings and protection*	345	788	128.5%
Health insurance**	982	854	-13.0%
Total contracts	8,385	8,785	4.8%

* Change Matmut Vie Epargne i.e. excluding KOREGE épargne: +33.2%
** Change Mutuelle Ociane Matmut (i.e excluding Mgéfi): +4.4%

Calendar
2026 Annual Results: to be confirmed

About the Matmut Group

French mutual insurance company with 5.0 million members and 8.9 million insurance policies under management at end-2025, the Matmut Group, is a leading player in the French insurance market. The Group offers a comprehensive range of insurance products and services to individuals, professionals, businesses, and associations — including property and casualty insurance (car, motorcycle, boat, home, liability, family protection, health, income protection, legal protection and assistance) as well as savings and financial services (car loans, project financing, borrower insurance, savings accounts, life insurance, pension savings plans…). The Group currently employs 7,000 people. SGAM Matmut generated a revenue of €3.7 billion in 2025.

Financial instrument listed on Euronext Growth Paris: MATMU4.625%23FEB36. ISIN code FR001400ZQ88
Moody’s group rating: A2 IFSR (stable) as of 11 December 2025

Contacts
Analysts and investors Laurence Maury: +33 6 71 24 72 29 investors@matmut.fr For more information: investors website	Press Marion Falourd: 06 37 06 25 66 Falourd.marion@matmut.fr Guillaume Buiron: 06 37 77 33 42 buiron.guillaume@matmut.fr

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1 Unaudited combined figures
2 First half of 2026 compared with the first half of 2025, unless otherwise stated
3 On a comparable basis as at 30 June 2025

Attachment

• Press release – First-half 2026 revenue – 17 sept 2026

23, Place des Carmes-Déchaux – 63000 CLERMONT-FERRAND

Information about securities repurchasing program
Regulated information
Issuer social denomination: Michelin – LEI 549300SOSI58J6VIW052
Types of securities: ordinary shares – Code ISIN FR001400AJ45
Date : September 17th, 2026

Issuer Name	Issuer code	Transaction date	ISIN Code	Daily total volume (in number of actions)	Daily weighted average price of shares acquired	Platform
Compagnie Générale des Etablissements Michelin	549300SOSI58J6VIW052	17.09.2026	FR001400AJ45	199 562	32.7943 euros	Over-the-counter
Compagnie Générale des Etablissements Michelin	549300SOSI58J6VIW052	17.09.2026	FR001400AJ45	199 562	32.7943 euros	Over-the-counter
Compagnie Générale des Etablissements Michelin	549300SOSI58J6VIW052	17.09.2026	FR001400AJ45	199 562	32.7943 euros	Over-the-counter

Issuer Name	Issuer code	PSI Name	Issuer Code	Transaction date	ISIN Code	Unit Price	Currency	Quantity bought	Platform	Transaction reference number	Buyback objective
Compagnie Générale des Etablissements Michelin	549300SOSI58J6VIW052	NATIXIS	KX1WK48MPD4Y2NCUIZ63	17.09.2026	FR001400AJ45	32,7943	Euro	199 562	Over-the-counter	5309224	Cancellation
Compagnie Générale des Etablissements Michelin	549300SOSI58J6VIW052	BNP PARIBAS	R0MUWSFPU8MPRO8K5P83	17.09.2026	FR001400AJ45	32,7943	Euro	199 562	Over-the-counter	5309224	Cancellation
Compagnie Générale des Etablissements Michelin	549300SOSI58J6VIW052	SOCIETE GENERALE	O2RNE8IBXP4R0TD8PU41	17.09.2026	FR001400AJ45	32,7943	Euro	199 562	Over-the-counter	5309224	Cancellation

Attachment

• 20260917 – Disclosure of trading in own shares – September 17th, 2026

Bilbao, September 17, 2026.- Virtualware (EPA: ALVIR), a European pioneer in 3D-driven industrial software, together with its South Korean partner GlobePoint and Korean Education Group (KEG), have signed a Memorandum of Understanding (MoU) to introduce VIROO across KEG’s education ecosystem, including vocational education, digital academies, IT and game development training, industry-oriented learning programs, and higher education initiatives. 

The agreement establishes a framework for cooperation to support KEG’s ambitious “Vision 2030: A Time of New Possibilities” strategy through immersive and real-time 3D technologies, leveraging Virtualware’s flagship software platform, VIROO.  The objective is to accelerate digital education transformation, expand learning opportunities, and support knowledge exchange and international collaboration across KEG’s network of academies, subsidiaries, and strategic partners. This strategy aims to grow KEG’s revenues from KRW 200 billion (€130 million) to KRW 500 billion (€325 million). 

“This agreement marks an important step in expanding VIROO’s presence in South Korea and reinforcing our commitment to the region’s education sector. Together with GlobePoint, we look forward to supporting KEG’s Vision 2030 and helping drive educational innovation and leadership through immersive and real-time 3D technologies,” said David Moreno, Chief Business Development Officer of Virtualware. 

KEG is one of South Korea’s leading private education groups, with nearly two decades of experience delivering education and workforce development programs across a diverse range of disciplines. The organization serves more than 1.8 million students through a nationwide network of 64 campuses, and 8 specialized academy brands, including SBS Academy Computer Art, SBS Academy Game School, Korea IT Academy, Korea Culinary Art Academy, All That Beauty Academy, Korea Flight Attendant Academy, Korea Entertainment Academy, and Korea Pet Academy. In addition, the group is supported by four subsidiaries focused on marketing, digital platforms, IT services, and business acceleration. 

“Our Vision 2030 roadmap is designed to strengthen KEG’s leadership position, expand into new business areas, and deliver greater value to students and partners. This collaboration with Virtualware and GlobePoint reflects our commitment to innovation and to exploring new approaches that can shape the future of education in South Korea and Asia,” said Kim Young‑woo, CEO of Korean Education Group. 

GlobePoint’s role in this collaboration extends beyond market representation. With extensive experience supporting educational institutions, digital learning initiatives, and technology adoption projects in South Korea and Asia, GlobePoint will provide local expertise, market insight, and strategic guidance to help maximize the impact of VIROO across KEG’s ecosystem and support the achievement of its Vision 2030 objectives.

“Through this collaboration, we aim to combine KEG’s educational expertise, GlobePoint’s deep understanding of the Korean education market, and Virtualware’s edtech capabilities to support KEG’s growth strategy and drive meaningful innovation across its education ecosystem,” said Raymond Cho, CEO of GlobePoint. 

The signing ceremony took place during Edtech Korea, Korea’s representative Edtech exhibition and one of Asia’s leading education technology events. 

Founded in 2004, Virtualware is one of the leading companies in enterprise software based on immersive and real-time 3D technologies for industrial and educational environments. 

The company serves global organizations and institutions such as GE Vernova, NextStar Energy, Volvo, ADIF, Bosch, Fill Machine Engineering, the Spanish Ministry of Defense, NATO, Ohio University, Lethbridge Polytechnic and the University of El Salvador. 

Virtualware is headquartered in Bilbao, Spain, with subsidiaries in the United Kingdom, Canada, the United States and Sweden. 

Swedbank published for the first time an analysis on the EfTEN Real Estate Fund AS share, listed on the Nasdaq Tallinn Stock Exchange. The bank set a target price of 22.2 euros for the EfTEN Real Estate Fund AS share, which is 13.6% higher than the share’s last closing price on the Tallinn Stock Exchange, and gives the share a “buy” recommendation.

In its analysis, Swedbank highlights the following aspects on EfTEN Real Estate Fund AS: (i) the expected dividend yield of 6-7% in the coming years makes the share attractive to investors who value a stable cash flow; (ii) the low level of financial leverage allows the fund to better manage possible risks associated with rising interest rates; (iii) the fund has been successful in reprofiling its real estate portfolio in line with changes in the real estate market.

The analysis is available on Swedbank’s investment blog.

Kristjan Tamla
EfTEN Capital AS
Managing Director
Tel: +372 655 9515
E-post: kristjan.tamla@eften.ee

Press Release

Amundi and ICG complete equity partnership

Paris and London, 17 September 2026 – Amundi announces it has acquired a 9.9% economic stake in ICG¹, representing a total investment of approximately €620 million, pursuant to the long-term strategic and equity partnership announced by Amundi and ICG in November 2025.  Starting from Q3 2026, Amundi’s assets under management, net flows and financial results will reflect the contribution related to its 9.9% economic interest in ICG.

 This is an important milestone in the partnership between the two groups, which further strengthens Amundi’s position in private markets.

As part of the partnership, Amundi and ICG have entered into a 10-year agreement under which Amundi acts as the exclusive global² distributor in the wealth channel for ICG’s evergreen and certain other products. ICG is in turn Amundi’s exclusive provider for those products to Amundi’s distribution business.

The partnership includes the joint development of new products specifically targeted at wealth investors. The first of these products, focused on private equity secondaries, is expected to be launched in the coming weeks.

Valérie Baudson, Chief Executive Officer of Amundi, commented: “Our partnership with ICG marks a significant step in the development of Amundi’s private markets offering. Leveraging ICG’s leading capabilities and Amundi’s global reach and strong understanding of individual clients’ needs, we will continue to broaden access to private market solutions for wealth investors globally. This partnership creates a strong platform for innovation with the ambition to develop new products tailored to investors’ evolving needs, while generating profitable, long-term growth for the benefit of all stakeholders.”

Benoît Durteste, Chief Executive Officer and Chief Investment Officer of ICG, added: “We are delighted that Amundi has now acquired a 9.9% economic stake in ICG in line with the long-term strategic partnership announced in November 2025. Our teams are working closely on a number of products that are appropriate to the wealth market, and we are looking forward to launching the first of these in the coming weeks: an evergreen fund giving access to our LP Secondaries investment strategy. This is just the first step in realising the commercial benefits of our partnership that combines ICG’s leading investment capabilities and Amundi’s expertise in the wealth and pensions market, and we are already seeing a number of opportunities to deepen our collaboration over the longer-term.”

For further information please contact:

Amundi
Press contacts:	Investor contacts:
Natacha Andermahr +33 1 76 37 86 05 natacha.andermahr@amundi.com	Cyril Meilland, CFA +33 1 76 32 62 67 cyril.meilland@amundi.com
Corentin Henry +33 1 76 32 26 96 corentin.henry@amundi.com	Thomas Lapeyre +33 1 76 33 70 54 thomas.lapeyre@amundi.com
	Annabelle Wiriath +33 1 76 32 43 92 annabelle.wiriath@amundi.com

ICG
Press contacts:	Investor contacts:
Fiona Laffan +44 20 3545 1510 fiona.laffan@icgam.com	Chris Hunt +44 20 3545 2020 chris.hunt@icgam.com
	Caterina Neri +44 20 3545 1822 caterina.neri@icgam.com

About Amundi
Amundi, the leading European asset manager, ranking among the top 10 global players³, offers over 200 million investors a complete range of savings and investment solutions in active and passive management, in listed and private assets. Developed for a range of distributors (banks, wealth managers, financial advisors…) as well as for institutional investors and corporates, this offering is enhanced by services and technology tools covering the entire savings value chain. A subsidiary of the Crédit Agricole group and listed on the stock exchange, Amundi currently manages close to €2.6 trillion of assets⁴.

Its six international investment hubs⁵, its financial and extra-financial research capabilities and its long-standing commitment to responsible investment make Amundi a leading player in the international asset management landscape.

Thanks to its strong local presence, particularly in Europe and Asia, Amundi offers its clients the expertise and advice of 5,400 professionals across 34 countries.

Amundi, a trusted partner, working every day in the interest of its clients and for society
www.amundi.com

About ICG

ICG (LSE: ICG) is a global alternative asset manager with $126bn⁶ in AUM and more than three decades of experience generating attractive returns. We operate from over 20 locations globally and invest our clients’ capital across Structured Capital; Private Equity Secondaries; Private Debt; Credit; and Real Assets. Our exceptional people originate differentiated opportunities, invest responsibly, and deliver long-term value. We partner with management teams, founders, and business owners in a creative and solutions-focused approach, supporting them with our expertise and flexible capital. For more information visit our website and follow us on LinkedIn.

Disclaimer

This document: (i) is not intended as an offer or solicitation with respect to the purchase or sale of any security or financial instrument; (ii) is not to be relied upon in evaluating the merits of investing in any securities; and (iii) is provided solely as reference material for background purposes. Amundi does not guarantee the accuracy or completeness of this document and accepts no responsibility for any loss arising for any action taken or not taken by anyone using the information contained herein. Any forward-looking statements in this presentation are based upon current assumptions, remain subject to risk and uncertainties and may depend on events outside Amundi’s control.

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¹ Including 4.9% voting rights
² Excluding the United States, Australia, and New Zealand
³ Source: IPE “Top 500 Asset Managers” published in June 2026, based on assets under management as at 31/12/2025
⁴ Amundi data as at 30/06/2026
⁵ Paris, London, Dublin, Milan, Tokyo and San Antonio (via our strategic partnership with Victory Capital)
⁶ As at 30 June 2026.

Attachment

• Press release Amundi and ICG complete equity partnership

BIRMINGHAM, Ala., Sept. 17, 2026 (GLOBE NEWSWIRE) — Diversified Energy Company (NYSE:DEC; LSE:DEC) announced on May 6, 2026, a dividend in respect of the first quarter ended March 31, 2026, in the amount of 29 cents per share (the “Q1 2026 Dividend”).  The Company will pay the Q1 2026 Dividend on September 30, 2026, to those shareholders on the register on August 28, 2026. 

The Company announces that shareholders who have elected to receive their dividends in GBP sterling will receive an equivalent dividend payment of 21.396 pence per share, based on the September 10, 2026 exchange rate of GBP 0.73781 =US $1.00.

For further information, please contact:

Diversified Energy Company	+1 973 856 2757
Doug Kris	dkris@dgoc.com
Senior Vice President, Investor Relations & Corporate Communications	www.div.energy
FTI Consulting	dec@fticonsulting.com
U.S. & UK Financial Public Relations

About Diversified Energy Company

Diversified is a leading publicly traded energy company focused on acquiring, operating, and optimizing cash generating energy assets. Through our unique differentiated strategy, we acquire existing, long-life assets and invest in them to improve environmental and operational performance until retiring those assets in a safe and environmentally secure manner. Recognized by ratings agencies and organizations for our sustainability leadership, this solutions-oriented, stewardship approach makes Diversified the Right Company at the Right Time to responsibly produce energy, deliver reliable free cash flow, and generate shareholder value.

ING to redeem Perpetual Capital Securities

ING announced today it will redeem USD 1,500 million of 5.750% Perpetual Additional Tier 1 Contingent Convertible Capital Securities (the “Perpetual Capital Securities”) on the call date of 16 November 2026, in line with ING’s goal to continuously optimise its capital structure.

The Perpetual Capital Securities (CUSIP 456837AR4/ISIN US456837AR44) will be redeemed in full in accordance with their terms, with payment to be made on 16 November 2026. The redemption price will be the principal amount of the Perpetual Capital Securities. Accrued and unpaid interest due on the redemption date will be paid in the usual manner to holders of record as of 13 November 2026. The paying agent for the Perpetual Capital Securities is The Bank of New York Mellon, London Branch 160 Queen Victoria Street London EC4V 4LA United Kingdom.

Any future decisions by ING as to whether it will exercise (or cause to be exercised) calls in respect of some or all of any series of its then outstanding debt securities will be made on an economic basis, taking into account the interests of all stakeholders. Other factors that ING will consider include prevailing market conditions, regulatory approval and capital requirements.

Note for editors
For further information on ING, please visit www.ing.com. Frequent news updates can be found in the Newsroom. Photos of ING operations, buildings and its executives are available for download at Flickr.

Press enquiries	Investor enquiries
ING Group Media Relations	ING Group Investor Relations
+31 20 576 5000	+31 20 576 6396
media.relations@ing.com	Investor.Relations@ing.com

ING PROFILE
ING is a global financial institution with a strong European base, offering banking services through its operating company ING bank. The purpose of ING Bank is: empowering people to stay a step ahead in life and in business. ING Bank’s more than 60,000 employees offer retail and wholesale banking services to customers in over 100 countries.

ING Group shares are listed on the exchanges of Amsterdam (INGA NA, INGA.AS), Brussels and on the New York Stock Exchange (ADRs: ING US, ING.N).

ING aims to put sustainability at the heart of what we do. Our policies and actions are assessed by independent research and ratings providers, which give updates on them annually. ING’s ESG rating by MSCI has been upgraded from ‘AA’ to ‘AAA’ in October 2025. As of July 2026, in Sustainalytics’ view, ING’s management of ESG material risk is ‘Strong’ with an ESG risk rating of 16.7 (low risk). ING Group shares are also included in major sustainability and ESG index products of leading providers. Here are some examples: Euronext, STOXX, Morningstar and FTSE Russell.

IMPORTANT LEGAL INFORMATION
Elements of this press release contain or may contain information about ING Groep N.V. and/ or ING Bank N.V. within the meaning of Article 7(1) to (4) of EU Regulation No 596/2014 (‘Market Abuse Regulation’).

ING Group’s annual accounts are prepared in accordance with International Financial Reporting Standards as adopted by the European Union (‘IFRS- EU’). In preparing the financial information in this document, except as described otherwise, the same accounting principles are applied as in the 2025 ING Group consolidated annual accounts. All figures in this document are unaudited. Small differences are possible in the tables due to rounding.

Certain of the statements contained herein are not historical facts, including, without limitation, certain statements made of future expectations and other forward-looking statements that are based on management’s current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those in such statements due to a number of factors, including, without limitation: (1) changes in general economic conditions and customer behaviour, in particular economic conditions in ING’s core markets, including changes affecting currency exchange rates and the regional and global economic impact of the invasion of Russia into Ukraine and related international response measures (2) changes affecting interest rate levels (3) any default of a major market participant and related market disruption (4) changes in performance of financial markets, including in Europe and developing markets (5) fiscal uncertainty in Europe and the United States (6) discontinuation of or changes in ‘benchmark’ indices (7) inflation and deflation in our principal markets (8) changes in conditions in the credit and capital markets generally, including changes in borrower and counterparty creditworthiness (9) failures of banks falling under the scope of state compensation schemes (10) non-compliance with or changes in laws and regulations, including those concerning financial services, financial economic crimes and tax laws, and the interpretation and application thereof (11) geopolitical risks, political instabilities and policies and actions of governmental and regulatory authorities, including in connection with the invasion of Russia into Ukraine and other existing or emerging military conflicts, the risk of further military escalation, geopolitical tensions, trade restrictions and the related international response measures (12) legal and regulatory risks in certain countries with less developed legal and regulatory frameworks (13) prudential supervision and regulations, including in relation to stress tests and regulatory restrictions on dividends and distributions (also among members of the group) (14) ING’s ability to meet minimum capital and other prudential regulatory requirements (15) changes in regulation of US commodities and derivatives businesses of ING and its customers (16) application of bank recovery and resolution regimes, including write down and conversion powers in relation to our securities (17) outcome of current and future litigation, enforcement proceedings, investigations or other regulatory actions, including claims by customers or stakeholders who feel misled or treated unfairly, and other conduct issues (18) changes in tax laws and regulations and risks of non-compliance or investigation in connection with tax laws, including FATCA (19) operational and IT risks, such as system disruptions or failures, breaches of security, cyber-attacks, human error, changes in operational practices or inadequate controls including in respect of third parties with which we do business and including any risks as a result of incomplete, inaccurate, or otherwise flawed outputs from the algorithms and data sets utilized in artificial intelligence (20) risks and challenges related to cybercrime including the effects of cyberattacks and changes in legislation and regulation related to cybersecurity and data privacy, including such risks and challenges as a consequence of the use of emerging technologies, such as advanced forms of artificial intelligence and quantum computing (21) changes in general competitive factors, including ability to increase or maintain market share (22) inability to protect our intellectual property and infringement claims by third parties (23) inability of counterparties to meet financial obligations or ability to enforce rights against such counterparties (24) changes in credit ratings (25) business, operational, regulatory, reputation, transition and other risks and challenges in connection with climate change, diversity, equity and inclusion and other ESG-related matters, including data gathering and reporting and also including managing the conflicting laws and requirements of governments, regulators and authorities with respect to these topics (26) inability to attract and retain key personnel (27) future liabilities under defined benefit retirement plans (28) failure to manage business risks, including in connection with use of models, use of derivatives, or maintaining appropriate policies and guidelines (29) changes in capital and credit markets, including interbank funding, as well as customer deposits, which provide the liquidity and capital required to fund our operations, and (30) the other risks and uncertainties detailed in the most recent annual report of ING Groep N.V. (including the Risk Factors contained therein) and ING’s more recent disclosures, including press releases, which are available on www.ing.com.

This document may contain ESG-related material that has been prepared by ING on the basis of publicly available information, internally developed data and other third-party sources believed to be reliable. ING has not sought to independently verify information obtained from public and third-party sources and makes no representations or warranties as to accuracy, completeness, reasonableness or reliability of such information. This document may also discuss one or more specific transactions and/or contain general statements about ING’s ESG approach. The approach and criteria referred to in this document are intended to be applied in accordance with applicable law. Due to the fact that there may be different or even conflicting laws, the approach, criteria or the application thereof, could be different.

Materiality, as used in the context of ESG, is distinct from, and should not be confused with, such term as defined in the Market Abuse Regulation or as defined for Securities and Exchange Commission (‘SEC’) reporting purposes. Any issues identified as material for purposes of ESG in this document are therefore not necessarily material as defined in the Market Abuse Regulation or for SEC reporting purposes.  In addition, there is currently no single, globally recognized set of accepted definitions in assessing whether activities are “green” or “sustainable.” Without limiting any of the statements contained herein, we make no representation or warranty as to whether any of our securities constitutes a green or sustainable security or conforms to present or future investor expectations or objectives for green or sustainable investing. For information on characteristics of a security, use of proceeds, a description of applicable project(s) and/or any other relevant information, please reference the offering documents for such security.

This document may contain inactive textual addresses to internet websites operated by us and third parties. Reference to such websites is made for information purposes only, and information found at such websites is not incorporated by reference into this document. ING does not make any representation or warranty with respect to the accuracy or completeness of, or take any responsibility for, any information found at any websites operated by third parties. ING specifically disclaims any liability with respect to any information found at websites operated by third parties. ING cannot guarantee that websites operated by third parties remain available following the publication of this document, or that any information found at such websites will not change following the filing of this document. Many of those factors are beyond ING’s control.

Any forward-looking statements made by or on behalf of ING speak only as of the date they are made, and ING assumes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information or for any other reason.

This document does not constitute an offer to sell, or a solicitation of an offer to purchase, any securities in the United States or any other jurisdiction.

Attachment

• PDF Version of Press Release

17 September 2026: Borregaard ASA (“Borregaard”, OSE ticker: BRG)

Borregaard Capital Markets Day (CMD) 2026 takes place today at Oslo Concert Hall, from 09:00 to 12:30 CEST. The event can be followed via webcast at https://www.borregaard.com/investors/ir-news/capital-markets-day-2026-borregaard. The presentation material is attached to this stock exchange announcement and is also available on Borregaard’s website.

Key highlights – Borregaard CMD 2026:

•  Scaling specialisation and delivering greater value
•  BioSolutions: Scaling proven winners through market leadership, technology and innovation
•  BioMaterials: Further specialisation and higher value creation
•  Global manufacturing: Enabling growth and competitiveness
•  Finance: Ambitions for profitable growth

During the presentation, CEO Tom Erik Foss-Jacobsen will provide an update on Borregaard’s strategic priorities and outline how the company will continue to scale its specialisation strategy.

The EVP of BioSolutions and the EVP of Speciality Cellulose and Fine Chemicals will provide market updates, focusing on attractive growth opportunities and increased value creation. The EVP of Manufacturing and Technology will elaborate on how Borregaard’s global manufacturing platform supports growth and competitiveness.

CFO Per Bjarne Lyngstad will comment on financial performance and outline Borregaard’s ambitions for profitable growth.

Borregaard ASA
Sarpsborg, 17 September 2026

Contact:
Lotte Kvinlaug, Investor Relations Officer, +47 922 86 909

This information is subject to the disclosure requirements pursuant to Section 5 -12 of the Norwegian Securities Trading Act and requirements under the EU Market Abuse Regulation.

Attachment

• Borregaard Capital Markets Day 2026