2026-03-24 Report No. 14/2026: Update of information on the MRELrequirement for ING Bank Śląski S.A.

The Management Board of ING Bank Śląski S.A. ("Bank") communicate tohave received on 24 March 2026 a letter from the Bank Guarantee Fund("BGF") on the joint decision of resolution bodies; i.e. SingleResolution Board ("SRB") and the BGF on the minimum requirement for ownfunds and eligible liabilities ("MREL"). The decision was takenfollowing the Single Point of Entry (SPE) resolution strategy applicableto ING Group.

The MREL for the Bank set by the BGF in liaison with the SRB is 15.83%of the total risk exposure amount ("TREA" - as compared to 16.25% in theprevious SRB and BFG decision) and 5.91% of the total exposure measure("TEM" - no change from the previous SRB and BFG decision) on anindividual basis. At the same time, the BGF stated that the Tier 1capital ("CET1") instruments kept by the Bank for the purposes of thecombined buffer requirement cannot be included in the MREL expressed asa percentage of the total risk exposure amount (TREA). Thus, the MRELTREA for the Bank, taking into account the combined buffer requirementat the current amount of 4.50%, is effectively 20.33% of the total riskexposure.

The Bank is required to meet the requirement immediately upon thereceipt of the BGF letter. The total MREL should be satisfied with ownfunds and eligible liabilities under Article 98.2l of the BGF Acttransposing Article 45f(2) of the BRRD. The Bank satisfies the saidrequirement.

Additionally, the BGF stated that the recapitalization amount portion ofthe MREL should be met with the following instruments: additional Tier 1(AT1), Tier 2 capital (T2) instruments and other subordinated eligibleliabilities bought directly or indirectly by the parent entity. Based onthe BGF methodology, the Bank Management Board estimate that therecapitalization amount portion of the MREL is 7.83% of TREA (ascompared to 8.25% in the previous SRB and BFG decision) and 2.91% of TEM(no change from the previous SRB and BFG decision). The Bank satisfiesthe said requirement.

Legal grounds: Article 17.1 of Regulation (EU) No. 596/2014 of theEuropean Parliament and of the Council of 16 April 2014 on market abuse(MAR).