Athens, 14/01/2026

NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN OR INTO THE UNITED STATES, CANADA, AUSTRALIA, SOUTH AFRICA, JAPAN OR ANY OTHER JURISDICTION WHERE SUCH RELEASE, PUBLICATION OR DISTRIBUTION WOULD BE UNLAWFUL.

CrediaBank is exploring options to strengthen its presence in the capital markets

In the context of the ongoing strategic initiatives it is pursuing, and considering its commitment to optimize free float requirements in accordance with ATHEX regulations, CrediaBank is reviewing available options to strengthen its presence in the capital markets, which may involve an offer of newly issued shares. No decision has been taken, including as to the form and timing of any potential equity capital markets transaction.

In this regard, CrediaBank has engaged Morgan Stanley and UBS to assist in this strategic review.

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Forward-looking statements

Statements contained herein may constitute forward-looking statements which are based on current expectations and projections about future events. In some cases, these forward-looking statements may be identified by the use of forward-looking terminology, including the terms “targets”, “believes”, “estimates”, “anticipates”, “expects”, “intends”, “may”, “will” or “should” or, in each case, their negative or other variations or comparable terminology. They appear in a number of places throughout this document and include statements regarding the intentions, beliefs or current expectations of CrediaBank and/or its directors concerning, among other things, the trading performance, results of operations, financial condition, position, liquidity and prospects of CrediaBank. 

You should not place undue reliance on forward-looking statements. By their nature, forward-looking statements involve risks and uncertainties because they relate to events and depend on circumstances that may or may not occur in the future. Forward-looking statements are not guarantees of future performance. A number of important factors could cause actual results or outcomes to differ materially from those expressed, projected or implied in any forward-looking statements. CrediaBank does not undertake to update or revise any forward-looking statement that may be made herein, whether as a result of new information, future events or otherwise.

Important information

The information contained herein is not for release, publication or distribution, directly or indirectly, in or into the United States, Canada, Australia, South Africa, Japan or any other jurisdiction in which such release, publication or distribution would be unlawful.

This announcement is not an offer of securities for sale in the United States. The securities referred to herein have not been and will not be registered under the US Securities Act of 1933 (the “Securities Act”) and may not be offered or sold in the United States absent registration or an exemption from registration. No public offering of securities is being made in the United States. 

The distribution of this announcement may be restricted by law in certain jurisdictions and persons into whose possession this announcement or other information referred to herein comes should inform themselves about and observe any such restriction. Any failure to comply with these restrictions may constitute a violation of the securities laws of any such jurisdiction.

The information contained herein shall not constitute an offer to sell or the solicitation of an offer to acquire, nor shall there be any sale of the securities referred to herein, in any jurisdiction in which such offer, solicitation or sale would be unlawful.

CrediaBank has not authorized any offer to the public of securities in any Member State of the European Economic Area. With respect to each Member State of the European Economic Area (each, a “Relevant State”), no action has been undertaken or will be undertaken to make an offer to the public of securities requiring publication of a prospectus in any Relevant State. As a result, the securities may only be offered in Relevant States (a) to any legal entity which is a qualified investor as defined in Article 2 (e) of Regulation (EU) 2017/1129 (the "Prospectus Regulation”) (each, a “Qualified Investor”); or (b) in any other circumstances which do not require the publication by CrediaBank of a prospectus pursuant to Article 3 of the Prospectus Regulation. For the purposes of this paragraph, the expression an “offer of securities to the public” means a communication to persons in any form and by any means, presenting sufficient information on the terms of the offer and the securities to be offered, so as to enable an investor to decide to purchase or subscribe for those securities. 

In addition, CrediaBank has not authorized any offer to the public of securities in the United Kingdom and no action has been undertaken or will be undertaken to make an offer to the public of securities that could require publication of a prospectus in the United Kingdom. Accordingly, this communication is only being distributed to, and is only directed at persons who are outside the United Kingdom or, in the United Kingdom, persons who are Qualified Investors, as defined in Article 2 of Regulation (EU) 2017/1129 as it forms part of domestic law by virtue of the European Union (Withdrawal) Act 2018 and amended by the Prospectus (Amendment etc.) (EU Exit) Regulations 2019 (SI 2019/1234), who (i) have professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, as amended (the “Order”), or (ii) are high net worth entities falling within Article 49(2)(a) to (d) of the Order (all such persons together being referred to as “Relevant Persons”). Any investment or investment activity to which this communication relates will, in the United Kingdom, only be available to, and will only be engaged in with, Relevant Persons. Any person in the United Kingdom who is not a Relevant Person must not act or rely on this announcement or any of its contents.

This document is an announcement and is not a prospectus for the purpose of the Prospectus Regulation.

Nothing contained in this announcement is, or shall be relied upon as, a promise or representation, whether as to the past or future, by Morgan Stanley Europe SE and UBS Europe SE or any of their respective affiliates, directors, officers, employees, advisers or agents. None of Morgan Stanley Europe SE and UBS Europe SE or any of their respective affiliates, directors, officers, employees, advisers or agents assume any responsibility for its accuracy and accordingly they disclaim, to the fullest extent permitted by applicable law, any and all liability whether arising in tort, contract or otherwise which they might otherwise be found to have in respect of this announcement or any such statement. Morgan Stanley Europe SE and UBS Europe SE and their respective affiliates, directors, officers, employees, advisers or agents are each acting exclusively for CrediaBank and for no-one else in connection with any transaction mentioned in this announcement and will not regard any other person (whether or not a recipient of this announcement) as their respective clients in relation to any such transaction and will not be responsible to any other person for providing the protections afforded to their respective clients, nor for advising any such person on the contents of this announcement or in connection with any transaction or other matter referred to in this announcement.

CrediaBank SA