oE calculation based on shareholders‘ core net income.





6



Retail including SME and Fleet. This applies to all information related to retail in this document.





7



Commercial including large Corporate, MidCorp, credit insurance, internal and 3rd party R/I. This applies to all information related to commercial in this document.





8



Normalized CSM growth fourth quarter 2025.





9



Normalized CSM growth 2025, percentage calculated including the scope changes in the base value in the first quarter 2025 and including UniCredit Allianz Vita S.p.A. until the sale in the second quarter 2025.






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