ABN AMRO Bank N.V. ANNUAL

Capital management

39 Capital management Capital management strategy The primary objective of the bank’s capital management strategy is to ensure that capital adequacy requirements are met at all times and that sufficient capital is available to support the bank’s strategy. Changes in the capital requirements legislation, including new frameworks such as Basel IV, are decided by the European Parliament. The European Central Bank is responsible for monitoring compliance with the capital requirements. ABN AMRO has complied with all applicable capital adequacy requirements. Capital is a necessary resource for doing business and defines the bank’s commercial possibilities. The balance between available and required capital is managed centrally to optimise the use of available capital. The basis of the capital management strategy is the bank’s risk appetite and its business plans. Other important factors in managing the capital position are expectations and requirements of external stakeholders (such as regulators, investors, shareholders, equity analysts, rating agencies and clients), the bank’s position in the market, market developments, contingent capital needs and the feasibility of capital management actions. Although ABN AMRO manages its capital centrally, the group companies are sufficiently capitalised to comply with all local regulatory solvency requirements and to meet any local business needs. Apart from prevailing statutory and regulatory legislation, there are no specific material impediment s for prompt transfer of the bank’s regulatory capital. The objectives, policies and processes for managing capital have not changed from the previous years. Regulatory capital structure 31 December 2025 31 December 2024 (in millions) CRR III CRR II Total equity (EU IFRS) 27,043 26,108 Cash flow hedge reserve -209 10 Dividend reserve -826 -625 AT1 capital securities (EU IFRS) -3,233 -3,475 Share buyback reserve -250 Regulatory and other adjustments -1,626 -1,662 Common Equity Tier 1 20,899 20,357 AT1 capital securities (EU IFRS) 3,233 3,475 Regulatory and other adjustments -5 -1 Tier 1 capital 24,127 23,831 Subordinated liabilities (EU IFRS) 4,946 6,613 Regulatory and other adjustments -831 -1,967 Tier 2 capital 4,114 4,646 Total regulatory capital 28,241 28,477