Grupo Financiero Galicia (NASDAQ: GGAL) swings to Q4 loss as credit costs surge

Q: How did Naranja X and Galicia Seguros perform within Grupo Financiero Galicia in 2025?

In 2025, Naranja X generated net income of Ps.59,179 million , down 80% , and posted a 4Q loss with ROE of (19.0%) . Galicia Seguros improved sharply, delivering net income attributable to the company of Ps.41,044 million , up 290% versus 2024.

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

6-K

Rhea-AI Filing Summary

Grupo Financiero Galicia reported weak 2025 results, with net income attributable to the group of Ps.196,046 million, down 91% from 2024, as higher funding costs, regulatory changes and sharply higher loan-loss provisions compressed profitability. Full-year ROE was only 2.5% and ROA 0.4%, while the integration of HSBC Argentina generated significant restructuring and integration expenses.

In 4Q 2025, the group posted a net loss attributable to shareholders of Ps.83,544 million, implying annualized ROE of (4.3%) and ROA of (0.7%). Asset quality deteriorated, with the consolidated NPL ratio rising to 6.9% and cost of risk to 12.5%, driven mainly by retail borrowers under pressure from higher real interest rates and weaker purchasing power.

Despite earnings pressure, capitalization and liquidity remained strong. The consolidated capital ratio reached 23.0% and Tier 1 at Banco Galicia was 25.1%, with computable capital of Ps.5,840,451 million versus a minimum requirement of Ps.1,902,512 million. Liquidity was high, with liquid assets equal to 59.4% of total deposits. The year also marked completion of the HSBC integration, strong growth at asset manager Fondos Fima, and a joint venture agreement with Banco Santander to expand the Nera agri-finance platform across Argentina, Paraguay and Uruguay.

Positive

Strong capital and liquidity: Computable capital of Ps.5,840,451 million versus a Ps.1,902,512 million requirement lifted the total capital ratio to 25.2% and Tier 1 to 25.1%, while liquid assets equaled 59.4% of total deposits.
Strategic integration and JV execution: The group completed the corporate reorganization and integration of HSBC Argentina and signed a 50/50 joint venture with Banco Santander to expand the Nera digital agri-finance platform across Argentina, Paraguay and Uruguay.
Strong performance at Fondos Fima: Asset manager Fondos Fima delivered net income of Ps.126,698 million, up 41% year-on-year, with assets under management rising to Ps.11,351 billion and market share reaching 14.8%.

Negative

Sharp earnings deterioration: Group net income attributable to shareholders fell to Ps.196,046 million, a 91% decline versus 2024, while 4Q 2025 showed a net loss of Ps.83,544 million and negative ROE of (4.3%).
Significant credit quality weakening: The consolidated NPL ratio increased to 6.9% from 1.8% a year earlier, with cost of risk rising to 12.5% and Naranja X’s NPL ratio at 13.2%, reflecting broad-based deterioration, especially in retail loans.
High and rising loan-loss provisions: Consolidated loan-loss provisions reached Ps.2,951,274 million for 2025, up 163%, while 4Q 2025 provisions surged to Ps.1,022,464 million, heavily weighing on profitability despite an improved financial margin.
Pressure on core banking subsidiary: Banco Galicia posted a 2025 net loss of Ps.70,303 million versus a prior-year profit boosted by the HSBC acquisition, and a 4Q 2025 loss of Ps.105,053 million, with negative ROE and rising cost of risk.
Fintech segment volatility: Naranja X’s net income fell 80% to Ps.59,179 million for 2025, and it recorded a 4Q 2025 net loss of Ps.48,836 million, with negative ROE of 19.0% and cost of risk at 24.4%.

Insights

Profitability fell sharply as credit costs and integration expenses surged, despite solid capital and liquidity.

Grupo Financiero Galicia generated full-year net income of Ps.196,046 million, a 91% drop, with ROE at 2.5%. Net operating income fell 32% as loan-loss provisions more than doubled and net interest income declined amid higher funding costs and regulatory reserve changes.

Asset quality weakened notably. The consolidated NPL ratio rose to 6.9% and cost of risk to 12.5% in 4Q 2025, while retail delinquency reached 14.3% versus 3.2% a year earlier. This reflects pressure from an abrupt shift to positive real rates and reduced customer purchasing power, driving a 221% annual increase in provisions.

Even with these headwinds, balance sheet metrics stayed robust. The capital ratio was 23.0% at group level and Tier 1 at Banco Galicia reached 25.1%, with an excess over minimum capital of Ps.3,937,939 million. Liquidity was strong, with liquid assets at 59.4% of total deposits. Strategic moves, including completion of the HSBC Argentina integration and a 50/50 joint venture with Banco Santander for the Nera agri-platform, provide growth platforms but do not offset near-term earnings and credit quality pressure disclosed for 2025.

03/04/2026 - 05:57 PM

FORM 6-K

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

REPORT OF FOREIGN PRIVATE ISSUER

Pursuant to Rule 13a-16 or 15d-16

of the Securities Exchange Act of 1934

March 4, 2026

Commission File Number: 0-30852

GRUPO FINANCIERO GALICIA S.A.

(the “Registrant”)

Galicia Financial Group S.A.

(translation of Registrant’s name into English)

Tte. Gral. Juan D. Perón 430, 25th Floor

(CP1038AAJ) Buenos Aires, Argentina

(address of principal executive offices)

Indicate by check mark whether the Registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☒ Form 40-F ☐

Indicate by check mark whether by furnishing the information contained in this form, the Registrant is also thereby furnishing the information to the Securities and Exchange Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.

Yes ☐ No ☒

If “Yes” is marked, indicate below the file number assigned to the Registrant in connection with Rule 12g3-2(b): 82-

FORM 6-K

Commission File No. 0-30852

Month Filed

Event and Summary

Exhibit No.

March, 2026

Press Release regarding the Financial Results of the Registrant for the Fourth Quarter of the 2025 Fiscal Year that ended December 31, 2025.

99.1

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.


		GRUPO FINANCIERO GALICIA S.A.
		(Registrant)

Date: March 4, 2026	By:	/s/ Fabian Kon
		Name: Fabian Kon
		Title: Chief Executive Officer

Financial Report Grupo Financiero Galicia S.A. 20254th. quarter

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima This report is a summary analysis of Grupo Galicia’s financial condition and results of operations as of and for the periods indicated above. For a correct interpretation, this report must be read in conjunction with GFG’s financial statements, as well as with all other information periodically filed with the National Securities Commission (www.cnv.gob.ar), BYMA (www.byma.com.ar) and the Nasdaq (www.nasdaq.com). Readers of this report must note that this is a free translation made from an original version written and expressed in Spanish. Therefore, any matters of interpretation should be referred to the original version in Spanish. Grupo Galicia Buenos Aires, Argentina, March 4, 2026, Grupo Financiero Galicia S.A. (“Grupo Galicia” o “GFG”, BYMA/NASDAQ: GGAL), announced its financial results for the fourth quarter and the fiscal year, ended on December 31, 2025. Gonzalo Fernández Covaro Chief Financial Officer Conference Call March 5, 2026 11:00 am (Eastern Time) 13:00 pm (Argentina) To participate, register here. Pablo Firvida Head of Investor Relations The information in this report was adjusted and restated to constant currency, in accordance with IAS 29 “Financial Information in Hyperinflationary Economies” except otherwise noted. Grupo Financiero Galicia

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima 3 Galicia Más (formerly HSBC) 2025 MARKED THE CULMINATION OF THE INTEGRATION OF GALICIA MÁS (FORMERLY HSBC ARGENTINA), CARRIED OUT WITH A STRATEGIC FOCUS ON SCALE, EFFICIENCY, AND MARKET SHARE, INTEGRATING DIGITAL CAPABILITIES, CUSTOMIZED SOLUTIONS, AND A VALUE PROPOSITION THAT COMBINES THE BEST OF TWO MAJOR INSTITUTIONS. GRUPO GALICIA ENDED FISCAL YEAR 2025 ACHIEVING THE FOLLOWING BUSINESS RESULTS: Employees 10,079 Branches and other points of sale 432 Market share: Loans to the private sector(1) 15.1% 2,699 Insurance policies In thousands Ps.11,351 Assets under management In billions The Corporate Reorganization is effective as of January 1, 2025. This process included: • Unification of the banking business: Banco Galicia absorbed Banco GGAL S.A. (formerly HSBC), resulting in a single banking entity. • Unification of the mutual fund management business: Galicia Asset Management absorbed GGAL Asset Management S.A., thus consolidating the business into a single entity. • Absorption of GGAL Participaciones S.A.U.: Sudamericana Holdings absorbed GGAL Participaciones S.A.U. (1) Market share corresponding to Banco Galicia and Naranja X (Naranja Digital).

Financial Report Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Grupo Galicia includes Banco de Galicia y Buenos Aires S.A. (Galicia), Tarjetas Regionales S.A. (Naranja X), Sudamericana Holding S.A. (Galicia Seguros), Galicia Asset Management S.A.U. (Fondos Fima), IGAM LLC (Inviu), Galicia Securities S.A.U., Galicia Investments LLC, Galicia Ventures LP and Galicia Holdings US, Inc., Vestly Group Corp and Galicia Ventures Corp. It is one of the main financial services holding companies in the country. It provides savings, credit and investment opportunities to people and companies, and its board of directors has a high commitment in customer experience and sustainable development.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Ps.196,046 million FY2025 Net income attributable to Grupo Galicia -91% vs. 12M 2024 Net loss per share 4Q 2025 Ps.(52.0) Capital Ratio 23.0% ROE 2.5% -3,100 bp vs. 12M 2024 Efficiency(2) 47.5% +230 bp vs. 12M 2024 Employees 10,079 Branches and other points of sale 432 Deposits accounts In thousands 20,680 Credit cards In thousands 15,005 5 Ps.(83,544) million Net loss for the quarter attributable to Grupo Galicia -111% vs. 4Q 2024 ROE (4.3%) -4,780 bp vs. 4Q 2024 Efficiency 40.9% -3,070 bp vs. 4Q 2024 Highlights Nera Market share: Loans to the private sector(3) 15.1% Market share: Deposits to the private sector(3) 17.7% (1) ROE without integration expenses: excludes integration expenses (IT, voluntary retirement plans and adjustments to the result for the acquisition of HSBC's businesses in Argentina recorded in fiscal year 2024) net of income tax. (2) The efficiency ratio excluding integration costs for the year 2025 was 44.8%. (3) Market share calculated for Banco Galicia and Naranja X (Naranja Digital). ROE(1) without integration expenses 4.2% ROE(1) without integration expenses (4.0%)

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima 6 Highlights GRUPO GALICIA AND BANCO SANTANDER SIGNED AN AGREEMENT TO FORM A JOINT VENTURE WITH THE GOAL OF BOOSTING THE GROWTH AND EXPANSION OF NERA, THE DIGITAL ECOSYSTEM FOR PAYMENTS AND FINANCING FOR THE AGRICULTURAL SECTOR. The joint venture includes Nera's operations in Argentina, Paraguay, and Uruguay, through Agri Tech Investments Argentina S.A.U. (“Nera Argentina”), Nera Paraguay S.A., and Nera Uruguay S.A. As part of the agreement, a holding company was established in Spain, which acts as the controlling entity for the business. Both institutions will share control and profits equally, effective December 2025. Nera accelerates agricultural development by connecting producers, suppliers, and financial institutions on a 100% digital platform that consolidates credit options, compares terms, and allows users to simulate costs and payments to choose the solution best suited to their production cycle. In 2025, the platform expanded its offerings and capabilities. It incorporated bank loans to finance inputs, livestock, and machinery, adding Banco Santander as a new loan originator. Existing lines of credit were also strengthened: the Single Signature Loan, available in pesos and dollars for immediate access, and the Future Grain Loan, backed by forward contracts—open or fixed price—that allows payment with future production in installments aligned with the harvest. Merchants 2.910 Farmers 6.008 Millions originated US$1.121 Number of transactions 23.379

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Selected ratios Percentages 2025 2025 2024 Variation (bp) 4Q 3Q 4Q vs.3Q25 vs.4Q24 ROA (0.7) (0.8) 7.7 10 (840) ROE (1) (4.3) (4.8) 43.5 50 (4,780) Financial Margin 16.4 14.4 23.2 200 (680) Efficiency ratio (2) 40.9 60.2 71.6 (1,930) (3,070) Capital ratio (3) 23.0 21.1 21.6 190 140 NPL Ratio 8.2 6.8 2.4 140 580 Allowance for loan losses / Private-sector financing 8.2 7.2 4.3 100 390 Coverage 100.1 105.0 181.6 (490) (8,150) Non-accrual portfolio with guarantees to non-accrual portfolio 4.0 3.6 5.4 40 (140) Cost of risk 15.0 12.2 11.0 280 400 7 Selected financial information (1) The ROE excluding integration costs for 4Q 2025 and 3Q 2025 were (4.0%) and 1.0% respectively, while that of 4Q 2024 was 1.8%. (2) The efficiency ratio excluding integration costs for 4Q 2025 and 3Q 2025 was 40.3% and 52.5% respectively, while for 4Q 2024 it was 43.1%. (3) Galicia consolidated with Naranja X.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima 8 Results of the main companies Results for the fiscal year (70,303) 126,698 34,814 59,179 39,517 1,722,340 89,782 31,915 299,818 (19,560) 2025 2024 Galicia Fondos Fima Galicia Securities Naranja X Galicia Seguros The net income attributable to Grupo Galicia reached Ps.196,046 million, representing, on an annualized basis, a return on average assets (ROA) of 0.4% and a return on average equity (ROE) of 2.5%. The year was marked by a context of high volatility in interest rates. This increased the cost of funding, mainly during the second half of the year. After the National mid-term elections of October 26th, 2025, rates began to show a gradual normalization, which was reflected in the last quarter of 2025. Regulatory changes also impacted reserve requirements. Both factors contributed to a decrease in the net interest margin in 2025 compared to 2024. At the same time, the slowdown in inflation and the process of economic readjustment impacted the repayment capacity of certain customer segments. As a result, a deterioration in the loan portfolio's credit performance was recorded, reflected in an increase in loan loss provisions during the year. Additionally, during the year, the integration of HSBC Argentina's businesses with the business units of Grupo Galicia was completed, impacting the 2025 results with the expenses associated with this integration. Isolating these non-recurring expenses (mainly restructuring costs), the net income for the year would amount to a profit of Ps332,916 million, representing a ROE of 4.2%. Fiscal year 2024 includes a result of Ps.953,103 million resulting from the acquisition of HSBC's businesses in Argentina. The result, net of adjustments and provisions related to the transaction, totaled Ps.701,658 million.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima 10 Results for the quarter Resultads of the main companies (105,053) 36,425 3,653 (48,836) 27,376 671,674 25,367 6,315 30,688 2,731 4Q 2025 4Q 2024 Galicia Fondos Fima Galicia Securities Naranja X Galicia Seguros The net result for the quarter attributable to Grupo Galicia was a loss of Ps.83,546 million, representing, on an annualized basis, a negative ROA of 0.7% and a negative ROE of 4.3%. During the quarter, the financial margin showed improvement compared to the previous quarter, reflected in a lower cost of lending capacity. However, loan loss provisions continued to rise due to a deterioration in the delinquency roll rates. The ROE for the quarter, excluding integration expenses, was negative 4.0%.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Income Statement In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q vs.3Q25 vs.4Q24 Net interest income 1,567,865 1,343,265 1,055,900 17 48 Net fee income 440,259 439,305 444,455 — (1) Net results from financial instruments 187,018 50,422 401,195 271 (53) Gold and foreign currency quotation differences 102,373 58,640 20,197 75 407 Other operating income 233,051 231,455 193,553 1 20 Insurance business results (1,414) 4,376 (60,449) (132) (98) Loan loss provisions (1,022,464) (794,328) (487,830) 29 110 Net operating income 1,506,688 1,333,135 1,567,021 13 (4) Personnel expenses(1) (258,590) (427,326) (628,747) (39) (59) Administrative expenses(2) (313,385) (284,459) (259,621) 10 21 Depreciations and devaluations of assets (81,576) (72,028) (85,155) 13 (4) Other operating expenses (557,923) (428,515) (410,843) 30 36 Operating Income 295,214 120,807 182,655 144 62 Results from the net monetary position (405,371) (310,315) (328,927) 31 23 Results from associates and joint ventures(3) 6,695 1,978 929,369 238 (99) Income tax(4) 19,915 92,924 (52,056) (79) (138) Net income / (loss) (83,547) (94,606) 731,041 (12) (111) Net Income / (loss) Attributable to Non-controlling Interests (3) (6) (24) (50) (88) Net Income / (loss) Attributable to Grupo Galicia (83,544) (94,600) 731,065 (12) (111) Other comprehensive income / (loss) 200,567 (151,392) 17,053 (232) n.m. Total comprehensive income / (loss) 117,020 (245,998) 748,094 (148) (84) Total comprehensive income / (loss) Attributable to Non-controlling Interests 1 (10) (24) (110) (104) Total comprehensive income / (loss) Attributable to Grupo Galicia 117,020 (245,988) 748,115 (148) (84) 11 (1) Includes restructuring expenses of Ps.1,905 million in 4Q25 and Ps.187,976 million in 3Q25, and a positive result from adjustments related to the acquisition of HSBC's businesses in Argentina of Ps.7,112 million. 4Q24 includes Ps.378,182 million. (2) Includes integration expenses of Ps.5,691 million in 4Q25 and Ps.8,514 million in 3Q25, and a positive result from adjustments related to the acquisition of HSBC's businesses in Argentina of Ps.14,579 million. 4Q24 includes Ps.8,658 million. (3) Includes a loss of Ps.953,103 million in 4Q24 related to the purchase and participation in HSBC Argentina's businesses. (4) Includes the impact of the concepts mentioned in the previous points, which is Ps.2,659 million in 4Q25 and Ps.61,180 million in 3Q25. In 4Q24 they represent Ps.135,394 million.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Balance Sheet In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q vs.3Q25 vs.4Q24 Assets Cash and due from banks 9,367,223 9,377,232 8,613,572 — 9 Debt securities 1,587,923 912,348 1,984,609 74 (20) Net loans and other financing 23,376,063 23,792,578 19,027,961 (2) 23 Other financial assets 8,879,453 8,566,919 10,468,900 4 (15) Investment in subsidiaries, associates and joint ventures 12,815 4,816 5,378 166 138 Property, bank premises, equipment 1,195,524 1,262,043 1,309,596 (5) (9) Intangible assets 381,324 381,940 400,548 — (5) Other assets 827,301 869,564 927,855 (5) (11) Assest from insurance and reinsurance contracts 141,954 118,447 116,686 20 22 Assets available for sale 9,564 9,564 19,109 — (50) Total assets 45,779,144 45,295,451 42,874,214 1 7 Liabilities Deposits 27,668,940 26,468,724 24,513,231 5 13 Financing from financial entities 881,746 791,499 581,156 11 52 Other financial liabilities 4,956,160 5,715,535 5,187,594 (13) (4) Negotiable obligations 1,622,340 1,773,531 1,327,993 (9) 22 Subordinated negotiable obligations 376,191 373,308 350,070 1 7 Other liabilities 1,536,387 1,636,125 2,070,933 (6) (26) Liabilities from insurance and reinsurance contracts 970,549 886,916 876,302 9 11 Total liabilities 38,012,313 37,645,638 34,907,279 1 9 Total Shareholders' equity 7,766,831 7,649,813 7,966,935 2 (3) 12 Selected financial information

Grupo Galicia Galicia Financial Report Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Since 1905, Galicia works for the development of Argentina, being the main private bank controlled by national capital. Through its assisted and digital distribution channels, it markets a wide range of financial products and services for individuals and companies throughout the country. Galicia defines the customer experience and digital transformation as strategic focuses to efficiently achieve successful growth.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Ps.(70,303) million Net income for the fiscal year -104% vs. 12M 2024 Portfolio Quality 6.9% +110 bp. vs. 4Q 2024 Coverage 97.4% -410 bp. vs. 4Q 2024 ROE (1.1%) -3,510 bp vs. 12M 2024 Efficiency 57.3% +1,560 bp vs. 12M 2024 14 Ps.(105,053) million Net income for the quarter -116% vs. 4Q 2024 ROE (6.9%) -5,760 bp vs. 4Q 2024 Efficiency 48.5% -2,180 bp vs. 4Q 2024 Cost of risk 4Q 12.5% +320 bp. vs. 4Q 2024 Cost of risk 12M 10.4% +220 bp. vs. 12M 2024 Capital Ratio 25.2% +670 bp. vs. 4Q 2024 14.3% Market share: Loans to the private sector 16.2% Market share: Deposits to the private sector +150 bp vs. 4Q 2024 +240 bp vs. 4Q 2024 Highlights Branches Deposit accounts In thousands Employees Credit Cards In thousands 316 11,985 6,302 6,101 Digital clients 93% The information for the fourth quarter of 2024 does not include the consolidated balances of Galicia Más. 1.0% (6.6%) (1) ROE without integration expenses: excludes integration expenses (IT, voluntary retirement plans and adjustments to the result for the acquisition of HSBC's businesses in Argentina recorded in the 2024 fiscal year) net of income tax. ROE(1) without integration expenses ROE(1) without integration expenses

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Income Statement In millions of pesos, except otherwise noted 2024 2023 Variation 12M 12M % Net interest income 4,125,081 5,304,376 (22) Net fee income 1,057,118 811,963 30 Net results from financial instruments 321,787 1,007,451 (68) Gold and foreign currency quotation differences 261,098 183,412 42 Other operating income 377,010 253,145 49 Loan loss provisions (1,836,142) (572,697) 221 Net operating income 4,305,952 6,987,650 (38) Personnel expenses (928,210) (811,332) 14 Administrative expenses (907,828) (684,281) 33 Depreciations and devaluations of assets (264,355) (176,086) 50 Other operating expenses (1,161,078) (1,054,285) 10 Operating income 1,044,481 4,261,666 (75) Results from the net monetary position (1,192,418) (2,554,052) (53) Results from associates and joint businesses (1,204) 727,010 (100) Income tax 78,838 (712,284) (111) Net Income (70,303) 1,722,340 (104) Other comprenhensive income (31,545) 43,226 n.m. Total comprenhensive income (101,848) 1,765,566 (106) 15 Results for the fiscal year (1) Does not include Galicia Más. (2) Includes restructuring expenses in 2025 of Ps.182,914 million and a positive result from adjustments related to the acquisition of HSBC's businesses in Argentina of Ps.7,112 million. In 2024, it includes restructuring expenses of PS.131,417 million. (3) Includes integration expenses in 2025 of Ps.38,942 million and a positive result from adjustments related to the acquisition of HSBC's businesses in Argentina of Ps.14,579 million. In 2024, it includes integration expenses of Ps.8,658 million. (4) Includes a result in 2024 from the purchase and participation in HSBC Argentina's businesses of Ps.757,811 million. (5) Includes the impact of the items mentioned in the preceding points of Ps.70,058 million in 2025 and Ps.49,026 million in 2024. In fiscal year 2025, Galicia recorded a net loss of Ps.70,303 million, representing a negative ROE of 1.1% and a negative ROA of 0.2%. This result compares with the results of fiscal year 2024, which included a gain of Ps.757,811 million from the acquisition of HSBC's businesses in Argentina. During 2025, the integration of the banking business into Banco Galicia was completed, impacting the results with expenses associated with the integration. Excluding these non-recurring expenses (mainly restructuring costs), the net result for the year would amount to a profit of Ps.59,804 million, representing an ROE of 1.0%. Net operating income was Ps.4,305,952 million, Ps2,681,698 million (38%) lower than the Ps.6,987,650 million recorded in the previous year. This decrease was due to higher loan loss provisions of Ps.1,263,445 million (221%), lower net interest income of Ps.1,179,295 million (22%), and lower net income from financial instruments of Ps.685,664 million (68%). During the year, the financial margin was affected by changes in reserve requirement regulations and by a significant increase in interest rates, impacting the cost of funding. On the other hand, loan loss provisions registered a significant increase compared to 2024, mainly due to the deterioration in credit quality resulting from the increase in the loan portfolio delinquency rates. One of the most relevant factors was the abrupt change in the sign of real interest rates and the loss of purchasing power of customers.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima 16 Profitability and efficiency (0.21)% 7.30% 2025 2024 (1.1%) 1.0% 34.0% 21.1% 2025 2025 (2) 2024 2024 (3) 16.4% 46.4% 2025 2024 57.3% 51.9% 41.7% 37.9% 2025 2025 (2) 2024 2024 (2) Financial margin Efficiency ratio (1) ROA ROE 1. Does not include Galicia Más 2. Excluding integration costs 3. Excluding results from HSBC Argentina purchase or integration costs

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Income Statement In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Net interest income 1,164,574 943,699 685,323 23 70 Net fee income 278,489 268,178 235,296 4 18 Net results from financial instruments 14,176 14,676 254,943 (3) (94) Gold and foreign currency quotation differences 98,190 75,869 26,737 29 267 Other operating income 95,168 103,682 63,764 (8) 49 Loan-loss provisions (677,239) (478,245) (197,669) 42 243 Net operating income 973,358 927,859 1,068,394 5 (9) Personnel expenses (2) (178,043) (353,054) (307,257) (50) (42) Administrative expenses (3) (230,590) (206,647) (194,324) 12 19 Depreciations and devaluations of assets (73,379) (62,953) (48,581) 17 51 Other operating expenses (327,714) (298,722) (211,528) 10 55 Operating income 163,632 6,483 306,704 n.m. (47) Results from the net monetary position (313,026) (238,217) (269,368) 31 16 Results from associates and joint businesses (4) 2,843 (3,846) 734,456 (174) (100) Income tax (5) 41,498 123,525 (100,120) (66) (141) Net / (loss) (105,053) (112,055) 671,672 (6) (116) Other comprenhensive income / (loss) 185,142 (147,570) 18,362 (225) 908 Total comprenhensive income / (loss) 80,089 (259,625) 690,034 (131) (88) 17 Results for the quarter In the fourth quarter of 2025, Galicia recorded a net loss of Ps.105,053 million, an improvement of Ps.7,002 million (6%) compared to the loss in the previous quarter. This result represented an annualized negative ROE of 6.9% and a negative ROA of 1.2%. Operating income was Ps.157,149 million higher. This was due to higher net operating income, driven by an improved financial margin, offset by higher loan loss provisions, which continued to show an upward trend at the end of the period. Additionally, the quarter posted lower outflows for personnel and administrative expenses, which in the previous quarter included non- recurring expenses related to the integration with HSBC's businesses in Argentina. Excluding non-recurring expenses (primarily restructuring costs), the ROE was 6.6% negative. (1) Does not include Galicia Más (2) Includes restructuring expenses of Ps.1,905 million in 4Q25 and Ps.181,009 million in 3Q25, and a positive result from adjustments related to the acquisition of HSBC's businesses in Argentina of Ps.7,112 million. 4Q24 includes Ps.131,417 million. (3) Includes integration expenses of Ps.5,691 million in 4Q25 and Ps.8,514 million in 3Q25, and a positive result from adjustments related to the acquisition of HSBC's businesses in Argentina of Ps.14,579 million. 4Q24 includes Ps.8,658 million. (4) Includes in 4Q24 a result from the purchase and participation in HSBC Argentina's businesses of Ps.757,811 million. (5) Includes the impact of the concepts mentioned in the previous points, which is Ps.2,659 million in 4Q25 and Ps.58,741 million in 3Q25. In 4Q24 they represent Ps.49,026 million.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima 18 Profitability and efficiency Financial margin Efficiency ratio (1) ROA ROE (1.2)% (1.3)% 9.7% 4Q 2025 3Q 2025 4Q 2024 (6.9)%(6.6)%(7.3)% (0.2)% 50.7% 1.8% 4Q 2025 3Q 2025 (2) 3Q 2025 2Q 2025 (2) 4Q 2024 4Q 2024 (3) 15.8% 13.0% 22.8% 4Q 2025 3Q 2025 4Q 2024 48.5%47.8% 75.3% 55.0% 70.3% 50.7% 4Q 2025 4Q 2025 (2) 3Q 2025 3Q 2025 (2) 4Q 2024 4Q 2024 (2) (1) (1) 1. Does not include Galicia Más 2. Excluding integration costs 3. Excluding result from HSBC Argentina purchase

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Interest-earning assets(1) Average balances: in millions of pesos. Yields and rates: annualized nominal % 2025 2025 2024 Variation (% | bp) 4Q 3Q 4Q 2 vs.3Q25 vs.4Q24 Avg Bce Yield Avg Bce Yield Avg Bce Yield Avg Bce Yield Avg Bce Yield In pesos 18,570,276 39.7 18,404,554 37.7 13,081,715 46.6 1 200 42 (690) Government securities 5,560,650 34.8 5,790,946 29.4 5,160,017 53.6 (4) 540 8 (1,880) Loans 12,724,313 42.9 12,459,416 41.4 7,881,571 42.1 2 150 61 80 Other interest-earning assets 285,314 (6.3) 154,192 47.6 40,127 43.2 85 (5,390) 611 (4,950) In foreign currency 6,580,036 8.0 6,082,148 7.2 2,897,770 3.8 8 80 127 420 Government securities 460,331 (1.7) 465,661 1.8 495,059 4.7 (1) (350) (7) (640) Loans 6,091,661 8.1 5,588,569 7.7 2,365,901 3.6 9 40 157 450 Other interest-earning assets 28,045 143.5 27,917 (9.0) 36,810 1.1 — 15,250 (24) 14,240 Interest-earning assets 25,150,312 31.4 24,486,702 30.1 15,979,485 38.9 3 130 57 (750) 1. Does not include foreign currency quotation differences. Annual nominal interest rates were calculated using a 360-day denominator. 19 Yields and rates 2. Does not include Galicia Más. Interest-earning assets totaled Ps.25,150,312 million, registering an increase of Ps.663,610 million (3%) compared to the previous quarter. This increase is mainly due to a rise in the volume of foreign currency loans by Ps.503,092 million (9%) and of peso-denominated loans by Ps.264,897 million (2%). The average yield on assets for the fourth quarter was 31.4%, representing an increase of 130 basis points compared to the previous quarter. This increase was primarily due to an improvement in the performance of peso-denominated government bonds and an increase in the loan rate. The higher accrual of interest on peso-denominated bonds was explained, on the one hand, by the effect of instruments valued at the CER (Consumer Price Index), influenced by the acceleration of inflation in the last months of 2025. On the other hand, the increase in the TAMAR rate, which rose during the last quarter of the year, also contributed.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Interest-bearing liabilities(1) Average balances: in millions of pesos. Yields and rates: annualized nominal % 2025 2025 2024 Variation (%|bp) 4Q 3Q 4Q 2 vs.3Q25 vs.4Q24 Avg Bce Yield Avg Bce Yield Avg Bce Yield Avg Bce Yield Avg Bce Yield In pesos 10,362,063 29.1 10,800,578 31.3 7,597,948 30.6 (4) (220) 36 (150) Saving accounts 1,617,556 — 1,655,730 — 1,266,312 — (2) — 28 — Time deposits 5,962,731 37.6 6,214,556 39.7 4,047,224 39.2 (4) (210) 47 (160) Other Deposits 2,006,936 21.3 2,207,308 27.8 1,897,980 30.8 (9) (650) 6 (950) Debt securities 174,009 46.3 198,376 41.8 126,875 46.3 (12) 450 37 — Other interest-bearing liabilities 600,830 43.1 524,609 41.4 259,557 36.4 15 170 131 670 In foreign currency 12,033,664 1.7 10,700,827 1.6 8,071,863 1.1 12 10 49 60 Saving accounts 6,999,976 0.2 6,845,675 0.2 6,463,089 — 2 — 8 20 Time deposits 2,062,326 3.0 1,726,829 3.1 675,907 3.0 19 (10) 205 — Other Deposits 1,330,076 0.9 573,719 0.8 73,907 — 132 10 n.m 90 Debt securities 1,592,726 6.9 1,542,129 6.3 854,922 7.6 3 60 86 (70) Other interest-bearing liabilities 48,559 1.6 12,475 3.6 4,038 3.9 289 (200) n.m (230) Interest-bearing liabilities 22,395,726 14.3 21,501,405 16.5 15,669,811 15.4 4 (220) 43 (110) 1. Does not include foreign currency quotation differences. Annual nominal interest rates were calculated using a 360-day denominator. 2. Does not include Galicia Más 20 Interest-bearing liabilities reached Ps.22,395,726 million, registering an increase of Ps.894,321 million (4%) compared to the previous quarter. This increase was mainly due to a rise in the volume of other deposits in foreign currency by Ps.756,357 million and of time deposits in foreign currency by Ps.335,497 million (19%). Likewise, the average interest rate on interest-bearing liabilities stood at 14.3%, registering a decrease of 220 basis points compared to the previous quarter. This decrease was mainly due to the lower interest rates observed starting in November. However, the evolution of the deposit rate was partially offset by changes in the composition of liabilities. After the elections, the growth in transactional deposit balances observed between August and October began to shift towards interest-bearing instruments, mainly time deposits and FIMA Money Market funds in US dollars. This restructuring of the funding structur led to an increase in the interest rate on foreign currency liabilities, explained by the composition effect. Additionally, the renewal of corporate bonds at slightly higher rates also contributed to the increase in the rate on foreign currency denominated liabilitiers.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Interest Income In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Government securities 438,879 418,410 436,550 5 1 Other financial assets 1,808 161 55 n.m. n.m. Loans and other financing 1,521,405 1,407,349 846,854 8 80 Non financial public sector 84 85 — (1) N/A Financial sector 44,624 31,767 13,905 40 221 Non-financial private sector 1,476,697 1,375,497 832,949 7 77 Overdrafts 162,689 177,436 60,088 (8) 171 Promissory notes 451,868 381,973 248,842 18 82 Mortgage loans 141,315 109,573 80,208 29 76 Pledge loans 49,355 47,473 22,119 4 123 Personal loans 282,416 290,077 203,060 (3) 39 Credit-card loans 350,614 331,362 204,849 6 71 Financial leases 5,845 5,864 3,615 — 62 Pre-financing and export financing 23,108 25,129 4,901 (8) 371 Other 9,487 6,610 5,267 44 80 Repurchase agreement transactions 8,496 7,454 5,074 14 67 Interest income 1,970,588 1,833,374 1,288,533 7 53 Net interest income 21 1. Does not include Galicia Más Net interest income was Ps.1,164,574 million, Ps.220,875 million (23%) higher than the Ps.943,699 million recorded in the previous quarter. Interest income for the quarter reached Ps.1,970,588 million, Ps.137,214 million (7%) higher than that recorded in the previous quarter. This increase was primarily due to higher interest income from loans and other financing of Ps.114,056 million (8%), generated by the increase in the average volume of the loan portfolio and the increase in the average rate for the quarter. Additionally, there was an increase of Ps.20,469 million (5%) in interests on government securities. This performance was mainly due to a greater contribution from CER-adjusted bonds, whose accrual benefited from the acceleration of inflation in the last months of 2025.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Interest expenses In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Deposits (690,591) (787,642) (547,684) (12) 26 Saving accounts (4,091) (3,555) (53) 15 n.m. Time deposits and term investments (571,614) (625,927) (395,336) (9) 45 Other (114,886) (158,160) (152,295) (27) (25) Financing from financial institutions (11,551) (8,928) (2,653) 29 335 Repurchase agreement transactions (45,946) (40,642) (9,358) 13 391 Other interest-bearing liabilities (10,404) (5,191) (12,621) 100 (18) Negotiable obligations (39,685) (39,524) (23,735) — 67 Subordinated Negotiable obligations (7,837) (7,748) (7,159) 1 9 Interest expenses (806,014) (889,675) (603,210) (9) 34 22 1. Does not include Galicia Más Interest expenses totaled Ps.806,014 million, registering a decrease of Ps.83,661 million (9%) compared to the previous quarter, mainly due to a decrease in deposit expenses of Ps.97,051 million (12%) due to the decrease in the average rate in the quarter.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Net Fee Income In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Credit cards 122,197 122,016 97,265 — 26 Deposit accounts 56,338 51,722 41,717 9 35 Insurance 8,028 6,718 7,257 19 11 Financial fees 139 109 2,021 28 (93) Credit- related fees 2,066 1,904 2,617 9 (21) Foreign trade 12,005 16,342 9,911 (27) 21 Collections 26,091 26,320 21,629 (1) 21 Utility-Bills collection services 21,057 22,110 17,823 (5) 18 Mutual Funds 8,666 9,102 8,281 (5) 5 Fees from bundles of products 41,911 36,756 33,081 14 27 Other 24,796 27,021 36,438 (8) (32) Total fee income 323,294 320,120 278,040 1 16 Total expenditures (44,805) (51,942) (42,743) (14) 5 Net fee income 278,489 268,178 235,297 4 18 Net fee income reached Ps.278,489 million, reflecting an increase of Ps.10,311 million (4%) compared to the previous quarter. Fee expenses decreased by Ps.7,137 million (14%), primarily due to lower expenses related to credit cards. On the other hand, fee income increased by Ps.3,174 million, mainly due to higher fees on bundles of products of Ps.5,155 million (14%) resulting from price adjustments, and higher fees on deposits of Ps.4,616 million (9%) due to higher fees on checks and current account maintenance. These increases were offset by a decrease in other fees of Ps.2,225 million (8%) due to lower fees on the purchase and sale of securities on behalf of third parties. 23 Net fee income 1. Does not include Galicia Más

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Net Income from Financial Instruments In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Government securities 37,472 9,295 194,953 303 (81) Private sector securities 26,009 (10,873) (11,975) (339) (317) Derivative financial instruments (30,847) 19,948 7,037 (255) (538) Forward transactions (30,702) 20,369 7,037 (251) (536) Rate swap (145) (421) – (66) N/A Results of other financial assets/liabilities (5) (3) (41) 67 (88) Results from derecognition of assets (18,453) (3,691) 64,969 400 (128) Net income from financial instruments 14,176 14,676 254,943 (3) (94) The result from quotation differences of gold and foreign currency for the quarter was a Ps.98,190 million profit, Ps.22,321 million (29%) higher than Ps.75,870 million recorded in the previous quarter. This result includes a profit of Ps.108,281 million from foreign currency trading, Ps.2,773 million higher than the Ps.105,508 million recorded in the previous quarter, maintaining foreign currency trading volumes. 24 Gold and foreign currency quotation differences Net income from financial instruments 1. Does not include Galicia Más Net income from financial instruments was Ps.14,176 million, maintaining the result of the previous quarter. The result from derivative financial instruments registered a decrease of Ps.50,795 million (255%) related to market operations applied to profitable assets in pesos. On the other hand, the quarter posted higher results from private securities of Ps.36,882 million (339%) and government securities of Ps.28,177 million (303%), as a result of better returns.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Other Operating Income In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Other financial income (116) 87 2,572 (233) (105) Rental of safe deposit boxes 14,176 14,992 14,029 (5) 1 Other fee income 3,436 3,192 2,253 8 53 Other adjustments and interest on miscellaneous receivables 27,431 27,060 21,464 1 28 Other 50,241 58,351 23,446 (14) 114 Total other operating income 95,168 103,682 63,764 (8) 49 In the fourth quarter, other operating income amounted to Ps.95,168 million, registering a decrease of Ps.8,514 million (8%) compared to the previous quarter. This lower result was mainly due to the decrease in other results for Ps.8,110 million (14%), given that in the previous quarter there was a recovery of loans, but in this quarter there was an increase in penalty interest for credit cards. 25 Loan loss provisions Other operating income 1. Does not include Galicia Más Loan loss provisions for the quarter totaled Ps.677,239 million, Ps.198,994 million (42%) higher than those recorded in the previous quarter. During the year, loan loss provisions registered a significant increase compared to 2024, with a variation of 221%. This trend was explained by the deterioration in credit quality resulting from the increase in delinquency levels in the loan portfolio. This behavior was also reflected in other risk indicators, particularly in the non-performing loan portfolio (more than 90 days past due), which registered a growth of 485% compared to the previous year. Among the main factors that contributed to this deterioration were the abrupt change in the sign of real interest rates and the loss of purchasing power of our customers, in a context of economic readjustment. This process was more pronounced in the retail loan portfolio, which showed a significant deterioration in its credit quality. In this segment, the delinquency rate rose to 14.3%, compared to 3.2% at the end of 2024. The greatest deterioration was concentrated in the last quarter of the year, a period in which increases were observed in both delinquency rates and the resulting loan loss provision. In the quarter, the non-performing loan portfolio increased 18%, while the quality of the individual loan portfolio reflected an additional decline of 2 percentage points. Additionally, during this period, the annual recalibrations of the parameters used to calculate Expected Credit Losses (ECL) were carried out, incorporating the effects of the new macroeconomic context described above, which also contributed to the increase in loan loss provisions.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Administrative Expenses In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Fees and compensations for services 16,288 13,651 18,559 19 (12) Fees to directors and syndics 213 226 208 (6) 2 Publicity, promotion and research expenses 7,550 8,179 9,110 (8) (17) Taxes 53,725 47,530 40,445 13 33 Maintenance and repairment of goods and IT 60,078 48,840 41,268 23 46 Electricity and communications 16,310 10,997 8,930 48 83 Stationery and office supplies 706 902 1,108 (22) (36) Hired administrative services 46,107 45,180 37,604 2 23 Security 5,986 6,915 5,526 (13) 8 Insurance 2,152 1,754 1,541 23 40 Other 21,475 22,473 30,025 (4) (28) Total administrative expenses 230,590 206,647 194,324 12 19 Administrative expenses for the quarter reached Ps.230,590 million, registering an increase of Ps.23,943 million (12%) compared to the previous quarter, mainly due to an increase in taxes of Ps.6,195 million (13%) due to an increase in safety and hygiene rates, and an increase in maintenance and repairs of goods and IT of Ps.11,238 million (23%) justified because in the previous quarter a positive result was recorded due to adjustments for the acquisition of the HSBC businesses in Argentina for Ps.14,551 million. Personnel expenses reached Ps.178,043 million, registering a decrease of Ps.175,011 million (50%) compared to the previous quarter. This decrease is due to the fact that in the previous quarter, compensation related to the restructuring plan was recorded for Ps.181,009 million. 26 Administrative expenses Personnel expenses 1. Does not include Galicia Más

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Other Operating Expenses In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Contribution to the Deposit Insurance Fund 9,884 9,112 6,488 8 52 Other financial results 11,384 13,191 34 (14) n.m. Turnover tax 166,034 154,517 98,269 7 69 On financial income 138,422 129,086 82,030 7 69 On fees 24,196 24,717 14,242 (2) 70 On other items 3,416 714 1,997 378 71 Other fee-related expenses 82,791 79,645 66,544 4 24 Charges for other provisions 20,108 11,970 5,426 68 271 Claims 7,407 11,628 6,200 (36) 19 Other 30,105 18,658 28,567 61 5 Total other operating expenses 327,713 298,721 211,528 10 55 Other operating expenses for the quarter amounted Ps.327,713 million, an increase of Ps.28,992 million (10%) compared to the previous quarter. This increase was driven by an Ps.8,138 million (68%) increase in charges for other provisions and an Ps.11,447 million (61%) increase in other operating expenses. The result from depreciation and devaluation of assets reached Ps.73,379 million, registering an increase of Ps.10,426 million (17%), compared to the previous quarter. This increase was due to the fact that the quarter saw an acceleration in amortizations of right-of-use contracts that were cancelled. 27 Other operating expenses Depreciation and devaluation of assets 1. Does not include Galicia Más

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima The income tax charge was a recovery of Ps.41,498 million, compared to the recovery of Ps.146,551 million recorded in previous quarter. 28 In the fourth quarter of 2025, Galicia recorded a gain of Ps.185,142 million in other comprehensive income (OCI), higher by Ps.332,712 million compared to the loss of Ps.147,570 million registered in the previous quarter. This increase is due to an improvement in the valuation of government securities. Other comprehensive income Income tax

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Balance Sheet In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 2024 4Q 3Q 4Q 2 vs.3Q25 vs.4Q24 Consolidated 4Q Assets Cash and due from banks 9,073,773 8,942,027 6,952,021 1 31 8,412,412 Debt securities 786,285 306,079 1,280,149 157 (39) 1,802,146 Net loans and other financing 18,347,925 18,781,507 11,958,148 (2) 53 14,540,341 Other financial assets 6,589,052 6,720,745 5,738,650 (2) 15 8,588,509 Equity investments in subsidiaries, associates and joint businesses 12,199 8,505 1,226,601 43 (99) 12,883 Property, plant and equipment 1,098,167 1,164,463 918,511 (6) 20 1,206,961 Intangible assets 329,743 330,546 301,374 — 9 348,730 Other assets 405,677 453,258 138,205 (10) 194 662,446 Assets available for sale 9,564 9,564 27 — n.m 19,108 Total assets 36,652,385 36,716,694 28,513,686 — 29 35,593,536 Liabilities Deposits 25,566,662 24,684,123 18,769,930 4 36 22,858,681 Financing from financial entities 384,727 313,075 108,370 23 255 108,385 Other financial liabilities 2,056,378 2,906,352 1,691,329 (29) 22 2,352,484 Negotiable obligations 1,145,780 1,305,190 898,876 (12) 27 897,944 Subordinated negotiable obligations 516,104 514,390 350,070 — 47 475,461 Other liabilities 959,117 1,049,289 921,438 (9) 4 2,210,245 Total liabilities 30,628,768 30,772,419 22,740,013 — 35 28,903,200 Shareholders' equity(3) 6,023,617 5,944,275 5,773,672 1 4 6,690,337 Shareholders’ equity attributable to Galicia 6,023,617 5,944,275 5,773,672 1 4 5,773,672 Shareholders’ equity attributable to non-controlling interests — — — — — 916,666 Foreign currency assets and liabilities Assets 14,295,971 14,491,148 10,042,689 (1) 42 12,379,974 Liabilities 14,551,487 14,372,919 10,026,609 1 45 12,331,012 Net forward purchases/(sales) of foreign currency (1) 226,422 (45,552) (249,613) (597) (191) (180,972) Net global position in foreign currency (29,094) 72,677 (233,533) (140) (88) (132,010) 29 Selected financial information (1) Recorded as off-balance-sheet items. (2) Excludes Galicia Más.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Financing to the Private Sector(1) In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 3 vs.3Q25 vs.4Q24 Consolidated 4Q In pesos 14,371,589 14,468,654 9,855,321 (1) 46 12,079,724 Loans 11,162,098 11,338,918 8,058,124 (2) 39 10,211,689 UVA-adjusted loans 1,897,829 1,591,416 806,801 19 135 828,386 Financial leases 47,855 53,552 31,205 (11) 53 39,396 Other financing(2) 1,263,807 1,484,768 959,191 (15) 32 1,000,251 In foreign currency 7,188,928 7,547,113 4,015,037 (5) 79 4,573,164 Loans 6,254,249 6,590,027 3,158,618 (5) 98 3,591,925 Financial leases 2,082 2,562 2,554 (19) (18) 2,554 Other financing(2) 932,597 954,524 853,865 (2) 9 971,590 Total financing to the private sector 21,560,517 22,015,767 13,870,358 (2) 55 16,652,887 1. Includes IFRS adjustments. 2. Includes certain off-balance sheet accounts related to guarantees granted. 3. Does not include Galicia Más 30 As of December 31, 2025, financing to the private sector totaled Ps.21,560,517 million, registering a decrease of Ps.455,250 million compared to the third quarter of 2025. This variation was mainly due to a lower volume of loans in foreign currency for Ps.335,778 million and in loans in pesos for Ps.176,820 million, offset by a higher volume of UVA-adjusted loans in pesos for Ps.306,413 million. The market share of total loans to the private sector as of December 31, 2025, reached 14.3%, representing a decrease of 50 basis points compared to the third quarter of 2025. Financing Level of activity

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Breakdown of loans and other financing In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Consolidated 4Q Financial entities 554,038 422,924 193,344 31 187 221,865 Loans 554,038 422,924 193,344 31 187 221,865 Non-financial private sector and residents abroad 19,153,824 19,540,397 12,177,222 (2) 57 14,804,355 Loans 18,760,138 19,097,437 11,830,199 (2) 59 14,410,134 Overdrafts 993,860 1,119,510 555,179 (11) 79 941,206 Promissory notes 7,012,829 7,010,138 4,464,633 — 57 5,168,598 Mortgage loans 1,077,039 1,120,238 416,879 (4) 158 417,857 Pledge loans 651,398 658,478 341,426 (1) 91 523,093 Personal loans 2,058,655 2,046,927 1,353,268 1 52 1,722,793 Credit-card loans 4,145,726 4,066,357 3,268,671 2 27 3,982,623 Pre-financing and financing of exports 839,431 1,168,266 560,961 (28) 50 686,629 Other Loans 1,236,802 1,230,369 442,155 1 180 485,314 Accrued interest, adjustments and foreign currency quotation differences receivable 804,286 753,907 458,496 7 75 527,737 Documented interest (59,888) (76,753) (31,469) (22) 90 (45,716) Financial leases 49,937 56,114 33,759 (11) 48 41,949 Other financing 343,749 386,846 313,264 (11) 10 352,271 Non-financial public sector 15,501 9,820 972 58 n.m 10,715 Total loans and other financing 19,723,363 19,973,141 12,371,538 (1) 59 15,036,935 Allowances (1,375,438) (1,191,634) (413,390) 15 233 (496,594) Loans (1,359,338) (1,172,207) (405,511) 16 235 (488,204) Financial leases (811) (3,573) (1,114) (77) (27) (1,202) Other financing (15,289) (15,854) (6,765) (4) 126 (7,188) Net loans and other financing 18,347,925 18,781,507 11,958,148 (2) 53 14,540,341 As of December 31, 2025, the net loans and other financing portfolio totaled Ps.18,347,925 million, registering a decrease of Ps.433,582 million (2%) compared to the third quarter of 2025. The decrease is mainly explained by a lower volume of pre-financing and financing of exports, decreasing by PS.328,835 million. 31 1. Does not include Galicia Más

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Net Exposure to the Argentine Public Sector(1) In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 2 vs.3Q25 vs.4Q24 Consolidated 4Q Government securities' net Position 6,678,401 6,222,879 6,152,504 7 9 7,534,895 Measured at fair value 907,184 831,731 1,525,932 9 (41) 1,592,008 In pesos 770,264 706,209 660,535 9 17 714,317 Adjusted by CER 68,223 46,276 755,654 47 (91) 767,946 In foreign currency 68,697 79,246 72,339 (13) (5) 72,339 Dual Bond — — 37,404 N/A (100) 37,404 Measured at amortized cost 2,644,933 3,385,726 2,877,521 (22) (8) 2,985,521 In pesos 618,284 1,111,983 321,718 (44) 92 429,719 Adjusted by CER 1,638,570 1,818,925 2,174,870 (10) (25) 2,174,870 In foreign currency 388,079 454,818 380,933 (15) 2 380,933 Measured at fair value through OCI 3,126,284 2,005,422 1,749,051 56 79 2,957,366 In pesos 2,135,384 1,476,705 1,612,240 45 32 2,478,113 Adjusted by CER 970,680 528,717 136,811 84 610 479,252 In foreign currency 20,220 — — N/A N/A — Other receivables resulting from financial brokerage 15,501 9,820 972 58 1,495 21,610 Loans and other financing 15,501 9,820 972 58 1495 10,715 Total exposure to the public sector 6,693,902 6,232,699 6,153,476 7 9 7,556,506 1. Excludes deposits with the Argentine Central Bank, which constitutes one of the items by which the Bank complies with minimum cash requirements. 2. Does not include Galicia Más 32 Exposure to the Argentine public sector

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Deposits In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Consolidated 4Q In pesos 13,245,430 13,092,083 10,157,340 1 30 12,608,975 Current accounts 2,698,436 2,260,855 1,944,056 19 39 2,710,937 Saving accounts 2,060,090 1,699,665 1,635,817 21 26 2,102,617 Time deposits 6,762,841 6,745,303 4,536,287 — 49 5,339,703 UVA-adjusted time deposits 42,232 44,354 92,238 (5) (54) 116,749 Other 1,506,444 2,123,437 1,669,907 (29) (10) 2,032,378 Interests and adjustments 175,387 218,469 279,035 (20) (37) 306,591 In foreign currency 12,321,232 11,592,040 8,612,590 6 43 10,249,706 Saving accounts 7,353,185 6,980,255 6,295,386 5 17 7,451,636 Time deposits 2,177,950 2,021,145 625,655 8 248 718,621 Other 2,785,184 2,586,559 1,690,151 8 65 2,078,035 Interests and adjustments 4,913 4,081 1,398 20 251 1,413 Total deposits 25,566,662 24,684,123 18,769,930 4 36 22,858,681 Deposits amounted to Ps.25,566,662 million as of December 31, 2025, registering a 4% increase when compared to the previous quarter. There were increases in current accounts of Ps.437,581 million and in foreign currency and peso-denominated saving accounts of PS.372,930 million and Ps.360,425 million respectively. This increase was offset by a lower volume of other deposits of Ps.616,993 million. As of December 31, 2025, net exposure to the public sector reached Ps.6,693,902 million, registering a 7% increase compared to the third quarter of 2025. Increases in peso-denominated and CER-adjusted government securities at fair value with changes in OCI were recorded for Ps.658,679 million and Ps.441,963 million, respectively. This increase was offset by a decrease in the volume of peso-denominated government securities of Ps.493,699 million. Net exposure to the public sector represented 18% of total assets, while in the fourth quarter of 2024, this exposure represented 22% of total assets. 33 Funding and liabilities 1. Does not include Galicia Más

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Financial Liabilities In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Consolidated 4Q Financial entities 384,727 313,076 108,370 23 255 108,370 Financing from credit-card purchases 841,337 546,966 828,741 54 2 828,741 Negotiable obligations 1,145,780 1,305,190 898,875 (12) 27 898,875 Subordinated negotiable obligations 516,104 514,390 350,070 — 47 350,070 Creditors from purchases of foreign currency — 22,998 49,986 (100) (100) 49,986 Collections on account of third parties 429,821 896,765 327,110 (52) 31 327,110 Other financial liabilities 785,218 1,439,622 485,491 (45) 62 485,491 Total financial liabilities 4,102,987 5,039,007 3,048,643 (19) 35 3,048,645 Financial liabilities amounted to Ps.4,102,987 million, registering a decrease of Ps.936,020 million (19%) compared to the third quarter of 2025. This decrease was a result of lower other financial liabilities for Ps.654,404 million (45%) and of collections on account of third parties for Ps.466,944 million. On November 14, 2025, Banco Galicia issued Class XXX Negotiable Obligations with a nominal value of US$144 million at a fixed nominal annual rate of 6% and maturing on November 30, 2026. On December 22, 2025, Banco Galicia issued Class XXXI Negotiable Obligations with a nominal value of US$72 million at a fixed nominal annual rate of 5.5% and maturing on December 30, 2026. 34 Financial Liabilities Total deposit accounts as of December 31, 2025, reached 12.0 million, a 2% growth compared to the third quarter of 2025. The market share of private sector deposits reached 16.2% as of December 31, 2025, registering a decrease of 20 bp compared to the third quarter of 2025 and an increase of 240 bp compared to the fourth quarter of 2024. 1. Does not include Galicia Más

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Liquidity(1) Percentages, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 2 vs.3Q25 vs.4Q24 Consolidated 4Q Cash and due from banks 9,073,773 8,942,027 6,952,021 1 31 8,412,412 Government securities(1) 5,654,069 5,267,292 5,560,979 7 2 458,661 Call-money (155) 71,187 53,416 (100) (100) 53,417 Overnight placements in correspondent banks 894,265 887,902 478,423 1 87 504,525 Repurchase agreement transactions (434,475) (487,598) (154,535) (11) 181 (317,535) Other financial assets — — 259,181 N/A (100) 744,277 Total liquid assets 15,187,477 14,680,810 13,149,485 3 15 9,855,755 Liquidity ratios (%) Variation (bp) Liquid assets as a percentage of transactional deposits 93.2 94.5 100.1 (130) (690) 60.7 Liquid assets as a percentage of total deposits 59.4 59.5 70.1 (10) (1,070) 43.1 As of December 31, 2025, the Bank’s liquid assets represented 93.2% of the Bank’s transactional deposits and 59.4% of its total deposits. This ratios were 94.5% and 59.5% in the third quarter in 2025. 35 Liquidity 1. Starting in the second quarter of 2025, all portfolios of government securities (measured at fair value, amortized cost, and fair value through OCI) are included and valued at fair value For comparative purposes, this change was applied retroactively. 2. Does not include Galicia Más.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Financing Portfolio Quality In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Consolidated 4Q Non-accrual Financing 1,497,969 1,268,473 255,954 18 485 311,123 With preferred guarantees 61,917 44,969 16,786 38 269 16,786 With other guarantees 27,281 22,325 10,334 22 164 10,334 Without guarantees 1,408,771 1,201,179 228,834 17 516 284,003 Allowance for loan losses 1,458,539 1,287,906 476,717 13 206 576,437 Relevant ratios (%) Variation (bp) NPL Ratio 6.9 5.8 1.8 110 510 1.9 Allowance for loan losses to loans to the private sector 6.8 5.8 3.4 100 340 3.5 Coverage 97.4 101.5 186.3 (410) (8,890) 185.3 Non-accrual loans with guarantees to non-accrual financing 6.0 5.3 10.6 70 (460) 8.7 Cost of risk 12.5 9.3 6.6 320 590 8.3 The non-accrual financing portfolio (that includes certain items of other financial assets and guarantees granted) amounted to Ps.1,497,969 million as of December 31, 2025, representing 6.9% of total financing, recording a 110 bps increase as compared to the third quarter of 2025. Considering the provisions on unused balances of credit cards and overdrafts, the Bank’s coverage of the non-accrual portfolio with total allowances for loan losses reached 97.4%, compared to 101.5% as of September 30, 2025. 36 Asset quality 1. Does not include Galicia Más

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Analysis of Loan Loss Experience In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Allowance for loan losses At the beginning of the quarter 1,287,907 1,008,879 356,680 28 261 Changes in the allowance for loan losses Provisions charged to income 604,215 449,287 196,554 34 207 Charge offs (327,399) (123,307) (46,246) 166 608 Inflation effect (106,184) (46,952) (30,271) 126 251 Allowance for loan losses at the end of the quarter 1,458,539 1,287,907 476,717 13 206 Charge to the income statement Provisions charged to income (604,215) (449,287) (196,554) 34 207 Direct charge offs (73,024) (28,958) (1,115) 152 n.m. Bad debts recovered 6,508 37,060 3,819 (82) 70 Net charge to the income statement (670,731) (441,185) (193,850) 52 246 During the quarter, Ps.327,399 million were charged off against the allowance for loan losses and direct charges to the income statement for Ps.73,024 million were made. 37 1. Does not include Galicia Más

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Regulatory Capital In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Consolidated 4Q Minimum capital requirement (A) 1,902,512 1,919,793 1,282,067 (1) 48 1,394,463 Allocated to credit risk 1,635,141 1,628,129 878,871 — 86 991,267 Allocated to market risk 35,935 45,031 38,581 (20) (7) 38,581 Allocated to operational risk 231,436 246,633 364,615 (6) (37) 364,615 Computable capital (B) 5,840,451 5,164,781 2,903,779 13 101 2,919,139 Tier I 5,811,263 5,110,117 2,852,154 14 104 2,867,514 Tier II 29,188 54,664 51,625 (47) (43) 51,625 Excess over required capital (B) (A) 3,937,939 3,244,988 1,621,712 21 143 1,524,676 Risk weighted assets 23,186,086 23,404,636 15,703,410 (1) 48 17,067,431 Ratios (%) Variation (bp) Total capital ratio 25.2 22.1 18.5 310 670 17.1 Tier I capital ratio 25.1 21.8 18.2 330 690 16.8 The minimum capital requirement and the corresponding computable capital are presented below. Balances are disclosed in accordance with the applicable regulation in force and in currency of each period. As of December 31, 2025, the computable capital was Ps.5,840,451 million and the minimum capital requirement was Ps.1,902,512 million, which represented an excess of Ps.3,937,939 million (207%). This excess was Ps.1,621,712 million (126%) as of the same date in 2024. The capital requirement increased Ps.620,445 million and the computable capital increased Ps.2,936,672 million, compared to the fourth quarter of 2024. The total Tier 1 capital ratio was 25.1%, reflecting an increase of 690 basis points compared to the fourth quarter of 2024 and an increase of 330 basis points compared to the third quarter of 2025. The most significant changes compared to the third quarter of 2025 stem primarily from the increase in Tier 1 capital resulting from equity indexation, an increase in other accumulated comprehensive income from financial instruments, and the greater recognition of IFRS provisions compared to regulatory provisions. The increase in the ratio was also accompanied by a decrease in operational and market risk-weighted assets. Regarding the change in the ratio between December 2025 and December 2024, the main explanatory factors are the increase in Tier 1 capital, primarily due to the incorporation of Galicia Más into equity. While there was an increase in credit risk-weighted assets, this increase was not significant enough to cause a decrease in the ratio. 38 Capitalization 1. Does not include Galicia Más.

Grupo Galicia Financial Report Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Naranja X is the fintech entity of Grupo Galicia that assists clients to promote the use of money. Naranja X creates technological solutions for the personal and business financials of millions of Argentines. Naranja X’s biggest challenge is being easily accessible to customers and providing them with simple tools to help them grow, improve their quality of life and access a world of possibilities.

Grupo Galicia Naranja XGalicia Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Ps.59,179 million FY 2025 Net income attributable to Naranja X -80% vs. 12M 2024 ROE 5.6% -2,750 bp vs. 12M 2024 Efficiency ratio 32.9% -620 bp vs. 12M 2024 2,660 Employees 8,905 Credit cards In thousands 104 Branches and other points of sale 40 Ps.(48,836) million Results for the quarter attributable to Naranja X -259% vs. 4Q 2024 ROE (19.0%) -3,100 bp vs. 4Q 2024 Efficiency ratio 36.7% -40 bp vs. 4Q 2024 Highlights1 8,695 Deposit accounts In thousands Ps.2,156 Average balance of deposits 4Q25 In billions 7.6% Market share: Saving accounts 4.7% Market share: Personal Loans 79% Digital clients (1) The Financial Statements and their main ratios correspond to the information of Naranja X for consolidation with Grupo Galicia. The individual figures of Naranja X may differ due to the accounting adjustments applied in the consolidation process. 20.2% Credit risk 24.4% Credit risk

Grupo Galicia Naranja XGalicia Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Income Statement In millions of pesos, except otherwise noted 2025 2024 Variation 12M 12M % Net interest income 1,375,809 1,290,130 7 Net fee income 703,487 612,554 15 Net results from financial instruments 177,921 177,362 — Gold and foreign currency quotation differences (62,859) 3,959 n.m. Other operating income 217,194 147,256 47 Loan loss provisions (1,115,132) (463,983) 140 Net operating income 1,296,420 1,767,278 (27) Personnel expenses (246,865) (225,405) 10 Administrative expenses (257,179) (258,175) — Depreciations and devaluations of assets (36,037) (38,566) (7) Other operating expenses (443,617) (347,631) 28 Operating income 312,722 897,501 (65) Results from the net monetary position (208,461) (479,614) (57) Income tax (45,270) (118,103) (62) Net income 58,991 299,784 (80) Net Income Attributable to Non-controlling Interests (188) (35) 4 Net Income Attributable to Naranja X 59,179 299,819 (80) Other comprehensive income 5,444 (571) n.m. Total comprehensive income 64,435 299,213 (78) Total comprehensive income to Non-controlling Interests 84 4 n.m. Total comprehensive income to Naranja X 64,351 299,209 (78) 41 In fiscal year 2025, Naranja X recorded a net income attributable to the company of Ps.59,179 million. This result represented a ROA of 0.8% and a ROE of 5.6%, while in 2024 they represented 6.7% and 33.1%, respectively. Net operating income for the year reached Ps.1,296,420 million, a 27% decrease compared to 2024. This decline was primarily due to a higher charge for uncollectible accounts of Ps.651,149 million. Similar to Galicia, during 2025, a deterioration in the credit performance of the loan portfolio was observed. Non-performing loans reached Ps.735,785 million, equivalent to 13.2% of the total portfolio. Despite this context, the ecosystem maintained a solid growth capacity. Net interest income increased by 7%, while net fee income grew by 15%. In the credit card segment, the average portfolio expanded by 40% year-on-year, partially offsetting the 27 percentage point compression of spreads. In the services segment, the most notable increases were in merchant fees (14%) and subscription fees (64%). Regarding expenses, Naranja X achieved an efficiency ratio of 32.9%, improving by 620 bp compared to fiscal year 2024. This evolution reflects consistent cost management and improvements in operational efficiency. Results for the fiscal year1

Grupo Galicia Naranja XGalicia Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima 42 Profitability and efficiency Financial margin Efficiency ratio ROA ROE 0.8% 6.7% 2025 2024 5.6% 33.1% 2025 2024 20.3% 35.7% 2025 2024 32.9% 39.1% 2025 2024

Grupo Galicia Naranja XGalicia Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Income Statement In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q vs.3Q25 vs.4Q24 Net interest income 342,932 397,449 265,803 (14) 29 Net fee income 168,630 178,493 179,686 (6) (6) Net results from financial instruments 28,385 12,678 71,640 124 (60) Gold and foreign currency quotation differences (5,911) (37,357) (4,683) (84) 26 Other operating income 59,784 54,717 47,265 9 26 Loan loss provisions (345,225) (316,083) (205,823) 9 68 Net operating income 248,595 289,897 353,888 (14) (30) Personnel expenses (61,937) (57,734) (62,087) 7 — Administrative expenses (70,103) (68,990) (67,287) 2 4 Depreciations and devaluations of assets (8,571) (9,486) (11,204) (10) (24) Other operating expenses (124,458) (113,720) (99,523) 9 25 Operating income (16,474) 39,967 113,787 (141) (114) Results from the net monetary position (53,172) (44,928) (62,212) 18 (15) Income tax 20,730 (1,887) (20,922) n.m. (199) Net income / (loss) (48,916) (6,848) 30,653 614 (260) Net Income / (loss) Attributable to Non-controlling Interests (80) (33) (36) 142 122 Net Income / (loss) Attributable to Naranja X (48,836) (6,815) 30,689 617 (259) Other comprehensive income 376 3,027 482 (88) (22) Total comprehensive income / (loss) (48,540) (3,821) 31,135 n.m. (256) Total comprehensive income to Non-controlling Interests (61) 118 3 (152) n.m. Total comprehensive income / (loss) to Naranja X (48,479) (3,939) 31,132 n.m. (256) 43 Results for the quarter1 (1) The Financial Statements and their main ratios correspond to the information of Naranja X for consolidation with Grupo Galicia. The individual figures of Naranja X may differ due to the accounting adjustments applied in the consolidation process. In the fourth quarter, Naranja X reported a net loss attributable to the company of Ps.48,836 million, a decrease of Ps.42,021 million compared to the previous quarter. This change was primarily due to lower operating income. The quarterly result represented a negative ROA of2.6% and a negative ROE of 19.0%. Net operating income decreased by Ps.41,302 million (14%) compared to the previous quarter. This lower result was due to lower net interest income of Ps.54,517 million (14%) and higher loan loss provisiones for Ps.29,142 million (9%).

Grupo Galicia Naranja XGalicia Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima 44 Profitability and efficiency1 Financial margin Efficiency ratio ROA ROE (2.6)% (0.4)% 2.1% 4Q 2025 3Q 2025 4Q 2024 (19.0)% (2.5)% 12.0% 4Q 2025 3Q 2025 4Q 2024 18.7% 19.4% 24.7% 4Q 2025 3Q 2025 4Q 2024 36.7% 32.5% 37.1% 4Q 2025 3Q 2025 4Q 2024 (1) The Financial Statements and their main ratios correspond to the information of Naranja X for consolidation with Grupo Galicia. The individual figures of Naranja X may differ due to the accounting adjustments applied in the consolidation process.

Grupo Galicia Naranja XGalicia Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Balance Sheet In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q vs.3Q25 vs.4Q24 Assets Cash and due from banks 204,977 348,480 86,914 (41) 136 Net loans and other financing 5,047,861 5,100,725 4,613,294 (1) 9 Other financial assets 1,911,051 1,516,598 1,748,728 26 9 Property, bank premises, equipment 85,353 85,237 90,777 — (6) Intangible assets 26,419 25,785 23,330 2 13 Other non-financial assets 236,841 232,783 129,669 2 83 Total assets 7,512,502 7,309,608 6,692,712 3 12 Liabilities Deposits 2,520,304 2,271,324 1,865,675 11 35 Financing from financial entities 510,332 557,936 597,476 (9) (15) Other financial liabilities 2,628,551 2,561,936 2,583,869 3 2 Negotiable obligations 522,761 514,288 332,687 2 57 Other non-financial liabilities 310,891 335,920 279,053 (7) 11 Total liabilities 6,492,839 6,241,404 5,658,760 4 15 Shareholders' equity 1,019,663 1,068,204 1,033,952 (5) (1) Shareholders' equity attributable to Non-controlling 1,443 1,505 1,324 (4) 9 Shareholders' equity attributable to Naranja X 1,018,220 1,066,699 1,032,628 (5) (1) 45 Selected financial information1 1The Financial Statements and their main ratios correspond to the consolidated information of Grupo Financiero Galicia. Naranja X individual figures may differ due to accounting adjustments applied during the consolidation process.

Grupo Galicia Naranja XGalicia Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Loan Portfolio Quality Percentages, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q vs.3Q25 vs.4Q24 Non-accrual loans 735,785 612,963 246,728 20 198 Allowances for loan losses and provisions 776,186 687,184 336,995 13 130 Ratios (%) Variation (bp) NPL Ratio 13.2 11.7 6.8 150 640 Allowance for loan losses to loans to the private sector 14.0 13.1 9.2 90 480 Coverage 105.5 120.9 179.7 (1,540) (7,420) Cost of risk 24.4 23.9 23.7 50 70 Taking into consideration the provisions for unused credit-card balances, the coverage ratio as of December 31, 2025, amounted to 105.5%, compared to 179.7% on the same date of the previous year. 46 Assets quality

Grupo Galicia Naranja XGalicia Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Analysis of Loan Loss Experience In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q vs.3Q25 vs.4Q24 Allowances for loan losses At the beginning of the quarter 687,184 576,719 240,213 19 186 Changes in the allowance for loan losses Provisions charged to income 340,717 311,660 202,413 9 68 Reversals of allowances for loan losses (5,319) (224) (901) 2275 490 Charge off (198,010) (177,763) (82,786) 11 139 Effect of inflation (48,385) (23,208) (21,944) 108 120 Allowance for loan losses at the end of the quarter 776,187 687,184 336,995 13 130 Charge to the income statement Provisions charged to income (340,717) (311,660) (202,413) 9 68 Direct charge offs (4,508) (4,423) (3,410) 2 32 Bad debt recovered 6,218 3,716 4,557 67 36 Net charge to the income statement (339,007) (312,367) (201,266) 9 68 47

Grupo Galicia Galicia Seguros Financial Report Galicia Naranja X GlosaryRelevant information ESG Regulatory changesFondos Fima Galicia Seguros’s commercial activity began in 1996 as a member of the Galicia Group. Provides insurance solutions for individuals, SMEs, large companies and the agricultural sector. Its commitment is reflected in a wide network of marketing channels that facilitate access to coverage adapted to the needs of each client.

Grupo Galicia Galicia SegurosGalicia Naranja X GlosaryRelevant information ESG Regulatory changesFondos Fima Ps.41,044 million Net income for the year attributable to Seguros +290% vs. 12M 2024 ROE 23.2% +6,580 bp vs. 12M 2024 Combined Ratio 93.3% -180 bp vs. 12M 2024 875 2,699 Employees Polices In thousands 49 Clients In thousands Ps.28,434 million Net income for the quarter attributable to Seguros -900% vs. 4Q 2024 ROE 55.9% +3,510 bp vs. 4Q 2024 Combined Ratio 103.1% +1,950 bp vs. 4Q 2024 1,954 Highlights Agencies 12 The information corresponding to the fourth quarter of 2024 does not include the balances of Galicia Más' insurance companies.

Grupo Galicia Galicia SegurosGalicia Naranja X GlosaryRelevant information ESG Regulatory changesFondos Fima Income Statement In millions of pesos, except otherwise noted 2024 2023 Variation 12M 12M % Income from insurance services 602,365 487,428 24 Insurance service expenses (616,484) (494,779) 25 Net reinsurance expenses 25,904 10,396 149 Insurance financial results (115,659) (135,950) (15) Insurance business results (103,874) (132,905) (22) Interest income 78,651 62,821 25 Net results from financial instruments 117,652 12,538 838 Gold and foreign currency quotation differences 6,935 8,010 (13) Other operating income 27,753 24,356 14 Net operating income 127,117 (25,180) (605) Personnel expenses (2) (23,618) (11,922) 98 Administrative expenses (16,639) (8,156) 104 Depreciations and devaluations of assets (2,048) (149) 1274 Other operating expenses (1,575) (445) 254 Operating income 83,237 (45,852) (282) Results from the net monetary position (17,571) 27,880 (163) Income tax (24,530) (3,835) 540 Net income 41,136 (21,807) (289) Net income attributable to Non-controlling Interests 92 (167) (155) Net income attributable to Galicia Seguros 41,044 (21,640) 290 Other comprehensive income 2,481 (111) n.m. Total comprehensive income 43,617 (21,918) (299) Total comprehensive income to Non-controlling Interests 92 (168) (155) Total comprehensive income to Galicia Seguros 43,525 (21,750) (300) 50 Results for the fiscal year 1. Does not include Galicia Más. 2. Includes restructuring costs in 2025 of Ps.8.014 million.

Grupo Galicia Galicia SegurosGalicia Naranja X GlosaryRelevant information ESG Regulatory changesFondos Fima 51 Profitability and efficiency Combined Ratio Efficiency Ratio ROA ROE 3.8% (4.3%) 2025 2024 23.2% (42.6%) 2025 2024 93.3% 95.1% 2025 2024 92.6% 105.7% 2025 2024 (1) Does not include Galicia Más. (1) (1) (1)(1)

Grupo Galicia Galicia SegurosGalicia Naranja X GlosaryRelevant information ESG Regulatory changesFondos Fima Income Statement In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Income from insurance services 153,473 161,704 138,163 (5) 11 Insurance service expenses (216,888) (148,825) (222,314) 46 (2) Net reinsurance expenses 49,630 (20,873) 35,362 (338) 40 Insurance financial results (80,283) 13,647 (24,801) (688) 224 Insurance business results (94,068) 5,653 (73,590) (1,764) 28 Interest income 31,011 16,240 13,066 91 137 Net results from financial instruments 127,631 (41,518) 2,718 (407) 4,596 Gold and foreign currency quotation differences (151) 1,731 (4,994) (109) (97) Other operating income 8,839 9,380 4,499 (6) 96 Net operating income 73,262 (8,514) (58,301) (960) (226) Personnel expenses (2) (10,292) (6,742) 22,279 53 (146) Administrative expenses (5,310) (1,953) 21,914 172 (124) Depreciations and devaluations of assets 916 943 5,338 (3) (83) Other operating expenses (538) (312) (46) 72 n.m. Operating income 58,038 (16,578) (8,816) (450) (758) Results from the net monetary position (6,436) (4,129) 38,584 56 (117) Income tax (23,169) 6,723 (26,938) n.m. (14) Net income / (loss) 28,433 (13,984) 2,830 (303) 905 Net Income / (loss) Attributable to Parent Company’s Owners (1) (2) (13) (50) (92) Net Income / (loss) Attributable to Non-controlling Interests 28,434 (13,982) 2,843 (303) (900) Other comprehensive income 14,454 (8,549) 27 (269) 53,433 Total comprehensive income / (loss) 42,887 (22,533) 2,857 (290) n.m. Total comprehensive income / (loss) Attributable to Non-controlling Interests (1) (3) (13) (67) (92) Total comprehensive income / (loss) Attributable to Parent Company’s Owners 42,888 (22,530) 2,870 (290) n.m. 52 Results for the quarter 1. Does not included Galicia Más. 2. Includes restructuring expenses in the third quarter of 2025 of Ps.4.746 million.

Grupo Galicia Galicia SegurosGalicia Naranja X GlosaryRelevant information ESG Regulatory changesFondos Fima 53 Profitability and efficiency Combined ratio Efficiency ratio ROA ROE 8.8% (4.6)% 2.4% 4Q 2025 3Q 2025 4Q 2024 55.9% (28.5)% 20.8% 4Q 2025 3Q 2025 4Q 2024 103.1% 91.6% 83.6% 4Q 2025 3Q 2025 4Q 2024 79.8% 116.4% 83.4% 4Q 2025 3Q 2025 4Q 2024 (1) 1. ROE impacted by the transition from IFRS 4 to IFRS 17 for Insurance Contracts. 2. Does not include Galicia Más (2) (2) (2) (2)

Grupo Galicia Galicia SegurosGalicia Naranja X GlosaryRelevant information ESG Regulatory changesFondos Fima Balance Sheet In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Assets Cash and due from banks 4,013 17,089 6,538 (77) (39) Debt securities 645,279 512,039 108,082 26 497 Other financial assets 365,027 371,028 78,235 (2) 367 Property, bank premises, equipment 9,022 9,209 8,373 (2) 8 Intangible assets 22,903 23,086 23,767 (1) (4) Assets for insurance and reinsurance contracts 141,954 118,447 103,457 20 37 Other non-financial assets 142,593 120,090 81,156 19 76 Total assets 1,330,791 1,170,988 409,608 14 225 Liabilities Liabilities for insurance and reinsurance contracts 970,549 886,916 272,067 9 257 Other non-financial liabilities 141,347 108,061 83,979 31 68 Total liabilities 1,111,896 994,977 356,046 12 212 Shareholders' equity 218,895 176,011 53,562 24 309 54 Selected financial information 1. Does not included Galicia Más

Financial Report Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Since 1958, Fondos Fima has been managing mutual funds distributed by Galicia through its multiple channels and other agents.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Ps.11,351 +17% vs. 4Q 2024 Assets under management In billions 14.8% Market share +190 bp vs. 4Q 2024 30 Employees 56 Assets under management 21 Ps.126,698 million Net income for the year +41% vs. 12M 2024 Highlights Ps.36,425 million Results for the quarter +44% vs. 4Q 2024 The information corresponding to the fourth quarter of 2024 does not include the balances of Galicia Más.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Income Statement In millions of pesos, except otherwise noted 2024 2023 Variation 12M 12M % Net results from financial instruments 33,047 29,454 12 Gold and foreign currency quotation differences 1,184 84 1310 Other operating income 222,168 165,150 35 Net operating income 256,399 194,688 32 Personnel and administrative expenses (17,575) (15,450) 14 Other operating expenses (17,805) (10,725) 66 Operating income 221,019 168,513 31 Results from the net monetary position (29,073) (32,162) (10) Results from associates and joint businesses — 364 (100) Income tax (65,248) (46,933) 39 Net income 126,698 89,782 41 57 Results for the fiscal year 1. Does not include Galicia Más. 2. Includes restructuring expenses in 2024 of Ps.4,413 million and in 2025 of Ps.2,391 million.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Income Statement In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Net results from financial instruments 13,237 5,155 8,662 157 53 Gold and foreign currency quotation differences 438 489 29 (10) n.m. Other operating income 55,282 57,550 47,965 (4) 15 Net operating income 68,957 63,194 56,656 9 22 Personnel and administrative expenses (4,562) (5,705) (7,469) (20) (39) Other operating expenses (3,701) (3,525) (3,109) 5 19 Operating income 60,694 53,964 46,078 12 32 Results from the net monetary position (9,153) (6,987) (4,218) 31 117 Income tax (15,116) (20,329) (16,857) (26) (10) Net income 36,425 26,648 25,367 37 44 58 Results for the quarter 1. Does not include Galicia Más. 2. Includes restructuring expenses in the fourth quarter of 2024 of Ps.4,413 million and the third quarter of 2025 of Ps.2,220 million.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima 59 Assets under management Assets under management In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Fima Acciones 139,864 62,185 155,062 125 (10) Fima P.B. Acciones 64,325 44,186 87,098 46 (26) Fima Renta en Pesos 93,725 71,147 157,515 32 (40) Fima Ahorro Pesos 501,428 412,302 546,256 22 (8) Fima Renta Plus 80,693 55,326 118,493 46 (32) Fima Premium 7,376,491 8,187,871 7,563,122 (10) (2) Fima Ahorro Plus 412,057 257,477 510,134 60 (19) Fima Capital Plus 48,109 114,939 188,487 (58) (74) Fima Abierto Pymes 70,343 31,739 16,932 122 315 Fima Mix I 22,851 29,037 37,423 (21) (39) Fima Premium Dolares 1,986,967 1,671,462 — 19 — Fima Mix II 9,542 12,552 11,762 (24) (19) Fima Renta Fija Internacional 3,791 4,298 5,320 (12) (29) Fima Sustentable ASG 7,234 7,759 4,348 (7) 66 Fima Acciones Latinoamericanas Dólares 706 676 520 4 36 Fima Renta Fija Dólares 222,824 142,891 85,361 56 n.m. Fima Mix Dólares 157,987 118,292 182,537 34 (13) HF Renta Fija Estratégica — 20,384 — (100) N/A HF Renta Dolares — 7,048 — (100) N/A HF Infraestructura PPEReI 88,250 87,162 — 1 N/A HF Acciones Líderes — 21,077 — (100) N/A HF Acciones Argentinas — 11,059 — (100) N/A HF Pesos — 119,802 — (100) N/A HF Pesos Renta Fija — 6,302 — (100) N/A HF Pesos Plus — 62,282 — (100) N/A HF Renta Fija Argentina — 10,625 — (100) N/A HF Desarrollo Abierto PYMES — 38,737 — (100) N/A HF Infraestructura II 10,693 10,006 — 7 N/A HF Retorno Total 40,996 22,763 — 80 N/A HF Balanceado 12,186 6,657 — 83 N/A Assets under management 11,351,062 11,648,043 9,670,370 (3) 17 1. Does not included Galicia Más During the last quarter and as a result of the corporate reorganization, 9 HF funds were integrated with 8 FIMA funds, in addition to incorporating 4 new funds into the management.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Balance Sheet In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 4Q 3Q 4Q 1 vs.3Q25 vs.4Q24 Assets Cash and due from banks 17,059 16,571 17,224 3 (1) Debt securities 616 1 104 61500 n.m. Net loans and other financing 1,093 874 172 25 n.m. Other financial assets 106,429 155,300 84,611 (31) 26 Other non-financial assets 126 99 76 27 n.m. Total assets 125,323 172,845 112,414 (27) 11 Liabilities Other non-financial liabilities 37,765 36,349 41,951 4 (10) Total liabilities 37,765 36,349 41,951 4 (10) Shareholders' equity 87,558 136,496 70,463 (36) 24 60 Selected financial information 1. Does not included Galicia Más

Galicia Naranja X Galicia SegurosGrupo Galicia GlosaryRelevant information ESG Regulatory changesFondos Fima Relevant information Dividends On January 14, 2026 and February 11, 2026, Grupo Galicia paid cash dividends of Ps.38,372 million and Ps.39,464 million, respectively, as approved by the Shareholders' Meeting of April 29, 2025. N-Xers On February 4, 2026, N-Xers S.A. de C.V., a company that is part of the Naranja X ecosystem, formally submitted to the National Banking and Securities Commission (CNBV) of Mexico the application for authorization to organize and operate as a Multiple Banking Institution, in accordance with the Mexican Credit Institutions Law.

Galicia Naranja X Galicia SegurosGrupo Galicia GlosaryRelevant information ESG Regulatory changesFondos Fima ESG 62 Equator Principles Annual Meeting In October 2025, Banco Galicia participated in the Equator Principles annual meeting, where discussions focused on climate change, technology, and human rights, as well as raising standards in environmental and social risk management. Alliances were also strengthened to foster a more conscious and committed financial system. IARSE Sustainability Meeting In October 2025, Banco Galicia hosted the IARSE in-person meeting, “Community Relations and Collaborative Models.” As host and exhibitor, Galicia reaffirmed its commitment to social innovation and positive impact, alongside leading organizations. Banco Galicia is Carbon Neutral Since 2018, Banco Galicia has been carbon neutral. It uses renewable energy in its operations, promotes reforestation and carbon offsetting through the #BosqueGalicia project, and offsets emissions with certified carbon credits. In 2025, Galicia expanded the scope of its carbon footprint by incorporating more information from its operations to improve the quality and management of its footprint and thus continue promoting carbon neutrality. 120th Anniversary: Multiplying Impact In November 2025, Banco Galicia celebrated its 120th anniversary with the launch of Multiplicar Impacto, an anniversary contest that invited customers, employees, and the entire community to choose a social or environmental project to receive a $120 million financial boost to enhance its growth. The winning project was Akamasoa Argentina, which will use the funds to expand the Bosque del Conocimiento School in Lima (Buenos Aires Province). This expansion will allow for the construction of new educational spaces for more than 210 students, including classrooms for preschool, primary, and secondary levels, technology labs, and technical training areas. GCBA Social Impact Seal In November 2025, the Government of the City of Buenos Aires awarded Banco Galicia the Social Impact Seal for initiatives with social, environmental, and economic impact. This seal reflects the bank's commitment to inclusive purchasing, training in vulnerable neighborhoods, and financing for entrepreneurs at the base of the pyramid. ISO 14001 In November 2025, Grupo Galicia renewed its ISO 14001 certification for one year at Plaza Galicia, Torre Galicia, Branch 400, and Casa Naranja X. This certification validates the strength of its environmental management system and its commitment to continuous improvement to reduce its impact and build a more sustainable future. Awards During December 2025, Galicia received the following awards: • CAMBRAS Award – Sustainable Finance: Recognition for its Sustainable Financing Line. • Green Seal – GCBA: Torre Galicia and the Head Office received the Green Seal, a certification that recognizes the comprehensive environmental management of its buildings. • Conciencia Award – 2nd Place in Banks: Banco Galicia was recognized at the 14th Conciencia Award for Finanzas a Mano (Finance at Hand), an initiative that promotes inclusion, financial education, and responsible habits. • Argentina Valora Seal – Inclusive Companies Network: an award that highlights companies that promote concrete actions for the inclusion of people with disabilities. • Háblalo Recognition – Accessibility with Impact: Háblalo recognized Galicia for its commitment to accessibility and for being part of the ecosystem of organizations that generate positive impact through social innovation and inclusion.

Galicia Naranja X Galicia SegurosGrupo Galicia GlosaryRelevant information ESG Regulatory changesFondos Fima 63 Regulatory changes Minimum Resreve Requirement. Adjustments The Central Bank of Argentina (BCRA) implemented the following provisions: Modifications to Requirements and Integration Through Communication “A” 8355, effective December 1, 2025, the following changes are established: • Elimination of the additional 3.5 percentage point requirement. The additional rate established in Communication “A” 8306 is eliminated for: ◦ Demand deposits. ◦ Demand court deposits. ◦ Time deposits and investments in pesos with the option of early redemption from the date of maturity, corresponding to money market mutual funds. ◦ Reverse repos and stock market collateralized loans denominated in pesos. • New possibility of integration with government securities. For the aforementioned obligations, integration of up to 3.5 percentage points is permitted. The requirement for public securities acquired through primary subscription on or after August 25, 2025, in pesos, CER (Consumer Price Index), or dual-currency bonds, with an original term of no less than 60 days, is reduced. • Reduction of the minimum daily integration requirement. The minimum daily integration requirement established by Communication “A” 8350 is reduced from 95% to 75%. • Expansion of eligible securities for integration. Securities acquired through primary subscription on or after November 20, 2025, in pesos, CER (Consumer Price Index), and dual-currency bonds, with a minimum original term of 60 days, are now included in the proportion of integration with public securities permitted for all entities (Communication “A” 8302 – special tenders). Extension of Additional Requirement for Group A Entities The additional requirement of 5 percentage points for Group A entities and branches or subsidiaries of G-SIB not included in that group is extended until March 31, 2026. This requirement applies to: • Demand deposits. • Time deposits and investments with early redemption options corresponding to money market mutual funds. This higher requirement may be met with Treasury securities acquired through primary subscription from November 20, 2025 (in pesos, CER, or dual-currency bonds, with a minimum term of 60 days), in addition to those permitted by Communication “A” 8302. Adjustments to the Consolidated Text Through Communication “A” 8397, the BCRA introduces the following changes: • Obligations for foreign financial lines of credit. Effective for transactions formalized from February 6, 2026, obligations arising from foreign financial lines obtained from related parties are incorporated, according to their original term, with the following requirements: ◦ Up to 179 days: 20%. ◦ More than 179 days: 0%. • Flexibility in peso-denominated payments. Effective from the February 2026 position, up to 5% of the requirement may be carried forward, which must be fully offset in the following month.

Galicia Naranja X Galicia SegurosGrupo Galicia GlosaryRelevant information ESG Regulatory changesFondos Fima 64 Net Global Foreign Currency Position Through Communication “A” 8360, effective December 10, 2025, it is established that: • When an entity has acquired National Treasury securities in foreign currency through primary subscription, sales in the secondary market that reduce the Net Global Position may only be offset, until the original maturity date, by net increases in other Treasury securities in foreign currency. • This restriction does not apply if the sale is made more than 90 calendar days after the primary subscription date. Financial Institution Authorities and Minimum Capital Requirements Classification of Entities and Authority Regime Through Communication “A” 8364, effective January 1, 2026, the Central Bank of Argentina (BCRA): • Redefines the classification of financial institutions into Groups A and B. • Updates limits related to minimum capital and the authority regime. Minimum Capital for Market Risk Through Communication “A” 8394, effective August 1, the minimum capital requirements are updated: • Investment and trading portfolios are defined. • Capital requirements for credit, market, interest rate, equity, options, and valuation risks are redefined. • Risk management guidelines are updated, and obsolete provisions are eliminated. Minimum Capital for Credit Risk Through Communication “A” 8395, new risk weights are established for exposures to multilateral development banks not rated at 0%, with weights ranging from 20% to 150%.

Galicia Naranja X Galicia SegurosGrupo Galicia GlosaryRelevant information ESG Regulatory changesFondos Fima Combined ratio: claims (claims paid net of reinsurance, change in claims reserves net of reinsurance) + direct costs (commissions to intermediaries, assistance, inspections, call centers, advertising) + operating expenses (administration expenses, infrastructure, technology and payroll of collaborators, taxes) / NEP. Cost of risk: loan-loss provisions / average financing. Coverage: (allowance for loan losses + provisions for unused balances of credit-cards and overdrafts and guarantees granted) / non-accrual financing. Digital clients: number of customers with login in digital channels in the last 30 days. Efficiency ratio: (personnel expenses + administrative expenses + depreciation and devaluations of assets) / (net interest income + net fee income + net result from financial instruments + foreign currency quotation differences + insurance business results + certain items included in other operating income -other financial income, fees from bundles of products, rental of safe deposits boxes and other fee income- and expenses -contribution to the deposit insurance fund, other financial expenses, other fee-related expenses and turnover tax on financial income and fees- + result from the net monetary position). ROA: net income attributable to the company on average assets. ROE: net income attributable to the company on average shareholders’ equity. ROE without integration expenses: Excludes integration expenses (IT, voluntary retirement plans and adjustments to the result for the acquisition of HSBC's businesses in Argentina recorded in fiscal year 2024) net of income tax. N/A: not applicable. n.m.: not meaningful. It implies increases of more than 1000% or less than -1,000%. 65 Glossary and additional information Efficiency ratio without integration expenses: Excludes integration expenses (IT, voluntary retirement plans and adjustments to the result for the acquisition of HSBC's businesses in Argentina recorded in the 2024 fiscal year). Financial margin: (net interest income + net result from financial instruments + foreign currency quotation differences + underwriting income from insurance business + certain items included in other operating income -other financial income- and expenses -contribution to the deposit insurance fund, other financial expenses and turnover tax on financial income-) / average balance of interest- earning assets. Non-accrual portfolio: includes loans classified under the following categories of the Argentine Central Bank classification: With Problems and Medium Risk, High Risk of Insolvency and High Risk and Uncollectible.

Galicia Naranja X Galicia SegurosGrupo Galicia GlosaryRelevant information ESG Regulatory changesFondos Fima Inflation, exchange rate and interest rates 2025 2025 2025 2025 2024 4Q 3Q 2Q 1Q 4Q Consumer price index (IPC) (1) 10,121.3715 9,384.0922 8855.5681 8353.3158 7694.0075 Consumer price index (IPC) (%) 7.86 5.97 6.01 8.57 8.03 Wholesale price index (IPIM) (%) (2) 5.15 9.96 4.25 4.70 3.46 Acquisition value unit (UVA) (3) 1,707.79 1,599.50 1,517.83 1,396.00 1,300.85 Exchange rate (Ps./US$) (4) 1,459.42 1,366.58 1,194.08 1,073.88 1,032.50 Badlar (5) (quartely averages) 35.57 42.83 32.69 29.89 36.72 Tamar(6) 0.33 0.50 0.34 0.31 0.38 (1) Published by the INDEC (National Institute of Statistics and Censuses of the Argentine Republic) (2) Internal Wholesale Price Index. Source: INDEC (National Institute of Statistics and Censuses of the Argentine Republic). (3) Adquisition Value Unit: BCRA (4) Argentine Central Bank reference exchange rate Communication “A” 3500. On the last business day of each period. (5) Argentine Central Bank reference rate for time deposits greater than one million pesos from private banks. (6) BCRA reference rate for wholesale deposits. 66

Galicia Naranja X Galicia SegurosGrupo Galicia GlosaryRelevant information ESG Regulatory changesFondos Fima Contact us www.gfgsa.com +54 11 6329 4881 inversores@gfgsa.com asg@gfgsa.com web Phone e-mail

Source: View Original Filing on SEC EDGAR

FAQ

How did Grupo Financiero Galicia (GGAL) perform financially in 2025?

Grupo Financiero Galicia reported net income attributable to shareholders of Ps.196,046 million in 2025, down 91% from 2024. ROE was 2.5% and ROA 0.4%, as higher funding costs, regulatory changes and sharply higher loan-loss provisions compressed profitability.

What were Grupo Financiero Galicia’s results for the fourth quarter of 2025?

In 4Q 2025, Grupo Financiero Galicia posted a net loss attributable to shareholders of Ps.83,544 million, versus a profit in 4Q 2024. This equated to annualized ROE of (4.3%) and ROA of (0.7%), with elevated loan-loss provisions and weaker asset quality.

How did asset quality and credit costs evolve for Grupo Financiero Galicia in 2025?

Asset quality deteriorated materially in 2025. The consolidated non-performing loan ratio rose to 6.9% from 1.8%, while cost of risk climbed to 12.5%. Loan-loss provisions reached Ps.2,951,274 million, up 163%, driven mainly by retail delinquency and macroeconomic stress.

What is Grupo Financiero Galicia’s capital position as of December 31, 2025?

As of December 31, 2025, the group’s computable capital was Ps.5,840,451 million against a minimum requirement of Ps.1,902,512 million. This produced a total capital ratio of 25.2% and Tier 1 ratio of 25.1%, leaving a sizable regulatory capital buffer.

How did Naranja X and Galicia Seguros perform within Grupo Financiero Galicia in 2025?

In 2025, Naranja X generated net income of Ps.59,179 million, down 80%, and posted a 4Q loss with ROE of (19.0%). Galicia Seguros improved sharply, delivering net income attributable to the company of Ps.41,044 million, up 290% versus 2024.

What strategic initiatives did Grupo Financiero Galicia undertake in 2025?

The group completed integration of HSBC Argentina’s businesses, unifying banking and asset management operations. It also formed a joint venture with Banco Santander to jointly control Nera, a digital platform for agricultural payments and financing operating in Argentina, Paraguay and Uruguay.

How large are Fondos Fima’s assets and earnings within Grupo Financiero Galicia?

Fondos Fima, the group’s mutual fund manager, reported 2025 net income of Ps.126,698 million, up 41% year-on-year. Assets under management reached Ps.11,351 billion with a 14.8% market share, benefiting from product reorganization and integration of additional funds during the year.

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How did Grupo Financiero Galicia (GGAL) perform financially in 2025?

What were Grupo Financiero Galicia’s results for the fourth quarter of 2025?

How did asset quality and credit costs evolve for Grupo Financiero Galicia in 2025?

What is Grupo Financiero Galicia’s capital position as of December 31, 2025?

How did Naranja X and Galicia Seguros perform within Grupo Financiero Galicia in 2025?

What strategic initiatives did Grupo Financiero Galicia undertake in 2025?

How large are Fondos Fima’s assets and earnings within Grupo Financiero Galicia?

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Grupo Financiero Galicia (NASDAQ: GGAL) swings to Q4 loss as credit costs surge

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FAQ

How did Grupo Financiero Galicia (GGAL) perform financially in 2025?

What were Grupo Financiero Galicia’s results for the fourth quarter of 2025?

How did asset quality and credit costs evolve for Grupo Financiero Galicia in 2025?

What is Grupo Financiero Galicia’s capital position as of December 31, 2025?

How did Naranja X and Galicia Seguros perform within Grupo Financiero Galicia in 2025?

What strategic initiatives did Grupo Financiero Galicia undertake in 2025?

How large are Fondos Fima’s assets and earnings within Grupo Financiero Galicia?

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