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6-K 1 a6k-cover.htm 6-K Document

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

November 25, 2025

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-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.

FORM 6-K

Commission File No. 0-30852

Month Filed

Event and Summary

Exhibit No.

November, 2025

Press Release regarding the Financial Results of the Registrant for the Third Quarter of the 2025 Fiscal Year that ended September 30, 2025.

99.1

SIGNATURES


		GRUPO FINANCIERO GALICIA S.A.
		(Registrant)

Date: November 25, 2025	By:	/s/ Fabian Kon
		Name: Fabian Kon
		Title: Chief Executive Officer

EX-99.1 2 press_releasexgfgx3q2025.htm EX-99.1 press_releasexgfgx3q2025

Financial Report Grupo Financiero Galicia S.A. 20253rd. 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, November 25, 2025, Grupo Financiero Galicia S.A. (“Grupo Galicia” o “GFG”, BYMA/NASDAQ: GGAL), announced its financial results for the third quarter, ended on September 30, 2025. Gonzalo Fernández Covaro Chief Financial Officer Conference Call November 26, 2025 11:00 am am (Eastern Time) 1:00 pm 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

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. 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.259,222 million Net income 9M25 period attributable to Grupo Galicia -80% vs. 9M 2024 Net loss per share 3Q 2025 Ps.-54.6 Capital Ratio 21.1% ROE 4.7% -2,510 bp vs. 9M 2024 Efficiency 52.4% +1,560 bp vs. 9M 2024 Employees 10,244 Branches and other points of sale 453 Deposits accounts In thousands 20,193 Credit cards In thousands 14,768 4 Ps.(87,710) million Net loss for the quarter attributable to Grupo Galicia -140% vs. 3Q 2024 ROE (4.7)% -1,990 bp vs. 3Q 2024 Efficiency 65.5% +1,730 bp vs. 3Q 2024 Highlights Nera Market share: Loans to the private sector(1) 15.7% Market share: Deposits to the private sector(1) 17.8% (1) Market share calculated for Banco Galicia and Naranja X (Naranja Digital). (2) 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. ROE without integrations expenses 6.9%(2) ROE without integrations expenses 1.0%(2)

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Selected ratios Percentages 2025 2025 2024 Variation (bp) 3Q 2Q 3Q vs.2Q25 vs.3Q24 ROA (0.8) 1.9 3.1 (270) (390) ROE (1) (4.7) 9.5 15.2 (1,420) (1,990) Financial Margin 14.5 20.2 28.6 (570) (1,410) Efficiency ratio (2) 65.5 43.1 48.2 2,240 1,730 Capital ratio (3) 21.1 22.3 24.5 (120) (340) NPL Ratio 6.8 5.5 2.7 130 410 Allowance for loan losses / Private-sector financing 7.2 6.4 4.2 80 300 Coverage 105.0 117.9 157.7 (1,290) (5,270) Non-accrual portfolio with guarantees to non-accrual portfolio 3.6 3.3 3.7 30 (10) Cost of risk 12.2 10.9 7.4 130 480 5 Selected financial information (1) The ROE excluding integration costs for 3Q 2025 was 1.0%. (2) The efficiency ratio excluding integration costs for 3Q 2025 was 52.3%. (3) Galicia consolidated with Naranja X.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Net loss attributable to Grupo Galicia for the quarter amounted to Ps.87,710 million, which represented a negative ROA of 0.8% and a negative ROE of 4.7%. This result is mainly due to loss from Galicia (Ps.103,894 million), Galicia Seguros (Ps.12,481 million) and Naranja X (Ps.6,318 million), offset by the positive result generated by Fondos Fima (Ps.24,708 million). In the quarter, the financial margin was affected by changes in reserve requirements regulations and a significant increase in rates, which impacted the cost of funding. Additionally, non-recurring expenses associated with the integration of HSBC's businesses in Argentina (mainly restructuring expenses) totaled Ps.105,343 million (net of income tax).The ROE for the quarter, excluding integration expenses, was 1.0%, while the ROE for the 9-month period, excluding integration expenses, amounted to 6.9%. 6 Results for the quarter Results of the main companies (103,894) (6,318) (12,481) 24,708 110,172 90,570 (1,654) 22,212 3Q 2025 3Q 2024 Galicia Naranja X Galicia Seguros Fondos Fima

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 (%) 3Q 2Q 3Q vs.2Q25 vs.3Q24 Assets Cash and due from banks 8,694,159 6,437,042 8,031,678 35 8 Debt securities 845,889 1,619,583 1,443,918 (48) (41) Net loans and other financing 22,059,436 19,821,378 11,591,697 11 90 Other financial assets 7,942,872 9,601,932 7,615,293 (17) 4 Investment in subsidiaries, associates and joint ventures 4,465 2,748 3,564 62 25 Property, bank premises, equipment 1,170,111 1,197,433 970,708 (2) 21 Intangible assets 354,118 361,323 322,869 (2) 10 Other assets 806,223 795,953 296,860 1 172 Assest from insurance and reinsurance contracts 109,819 99,595 89,701 10 22 Assets available for sale 8,867 8,867 25 — n.m. Total assets 41,995,959 39,945,854 30,366,313 5 38 Liabilities Deposits 24,540,641 22,855,485 18,055,021 7 36 Financing from financial entities 733,843 567,154 351,619 29 109 Other financial liabilities 5,299,194 4,719,250 4,344,325 12 22 Negotiable obligations 1,644,340 1,462,361 255,997 12 542 Subordinated negotiable obligations 346,115 326,403 323,010 6 7 Other liabilities 1,516,943 1,861,197 935,499 (18) 62 Liabilities from insurance and reinsurance contracts 822,313 813,074 237,608 1 246 Total liabilities 34,903,389 32,604,924 24,503,079 7 42 Total Shareholders' equity 7,092,570 7,340,930 5,863,234 (3) 21 8 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.32,219 million Net income 9M25 period -97% vs. 9M 2024 Portfolio Quality 5.8% +140 bp. vs. 3Q 2024 Coverage 101.5% -1,640 bp. vs. 3Q 2024 ROE 0.7% -2,700 bp vs. 9M 2024 Efficiency 60.5% +2,590 bp vs. 9M 2024 10 Ps.(103,893) million Net income for the quarter -194% vs. 3Q 2024 ROE (7.3%) -1,660 bp vs. 3Q 2024 Efficiency 75.3% +2,380 bp vs. 3Q 2024 Cost of risk 3Q 9.3% +110 bp. vs. 3Q 2024 Cost of risk 9M 8.2% +60 bp. vs. 9M 2024 Capital Ratio 22.1% -430 bp. vs. 3Q 2024 14.8% Market share: Loans to the private sector 16.4% Market share: Deposits to the private sector +290 bp vs. 3Q 2024 +640 bp vs. 3Q 2024 Highlights Branches Deposit accounts In thousands Employees Credit Cards In thousands 332 11,825 6,398 5,301 Digital clients 93% To facilitate comparability, the information corresponding to second quarter of 2025 has been adjusted. The information corresponding to third quarter of 2024 does not include the balances of Galicia Más. ROE without integrations expenses 3.4%(1) ROE without integrations expenses (0.2%)(1) (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.

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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Net interest income 874,956 972,248 720,638 (10) 21 Net fee income 248,643 228,287 187,629 9 33 Net results from financial instruments 13,606 125,244 218,812 (89) (94) Gold and foreign currency quotation differences 70,343 62,922 38,643 12 82 Other operating income 96,130 86,506 53,559 11 79 Loan-loss provisions (443,408) (353,104) (144,053) 26 208 Net operating income 860,270 1,122,103 1,075,228 (23) (20) Personnel expenses (327,336) (2) (178,914) (133,339) 83 145 Administrative expenses (189,685) (3) (213,055) (150,568) (11) 26 Depreciations and devaluations of assets (58,367) (57,932) (39,899) 1 46 Other operating expenses (278,871) (265,607) (177,723) 5 57 Operating income 6,011 406,595 573,699 (99) (99) Results from the net monetary position (220,865) (241,704) (398,657) (9) (45) Results from associates and joint businesses (3,566) 2,470 (1,596) (244) 123 Income tax 114,527 (4) (63,771) (63,274) (280) (281) Net / (loss) (103,893) 103,590 110,172 (200) (194) Other comprenhensive income / (loss) (136,820) 17,018 21,825 n.m. n.m. Total comprenhensive income / (loss) (240,713) 120,608 131,997 (300) (282) 11 Results for the quarter In the third quarter of 2025, Galicia registered a net loss of Ps.103,893 million, Ps.207,483 million (200%) lower than the result of the previous quarter, which represented an annualized negative ROE of 7.3% and an negative ROA of 1.3%. The operating result was lower by Ps.400,584 million (99%),as a consequence of a lower net operating income and higher personnel expenses. In the quarter, the financial margin was affected by changes in reserve requirements regulations and a significant increase in rates, which impacted the cost of funding. Additionally, non-recurring expenses associated with the integration of HSBC's businesses in Argentina (mainly restructuring expenses) totaled Ps.101,144 million (net of income tax). The ROE for the quarter, excluding integration expenses, was negative 0.2%, while the ROE for the 9-month period, excluding integration expenses, amounted to 3.4%. Respect to the third quarter of 2024, the net income was lower by Ps.214,065 million (194%). The operating result was Ps.567,688 million (99%) lower, as a consequence of a lower net operating income and other operating expenses. Net operating income was lower by Ps.214,958 million (20%), mainly for higher loan- loss provisions Ps.299,355 million 208%, lower net results from financial instruments for Ps.205,206 million (94%), offset by a higher net interest income for Ps.154,318 million (21%). (1) Does not include Galicia Más. (2) Includes restructuring expenses of Ps.167,823 million and a positive result from adjustments related to the acquisition of HSBC's businesses in Argentina of Ps.6,594 million. (3) Includes integration expenses of Ps.7,894 million and a positive result from adjustments related to the acquisition of HSBC's businesses in Argentina of Ps.13,517 million. (4) Includes the impact of the items mentioned in the preceding points, which amounts to Ps.54,462 million.

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima 12 Profitability and efficiency Financial margin Efficiency ratio (1) ROA ROE (1.3)% 1.5% 2.0% 3Q 2025 2Q 2025 3Q 2024 (7.3)% (0.4)% 6.4% 7.5% 9.3% 13.0% 18.9% 27.2% 3Q 2025 2Q 2025 3Q 2024 75.3% 52.3% 47.9% 45.7% 51.5% 1. Does not include Galicia Más 2. Excluding integration expenses (1) (1)

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) 3Q 2Q 3Q 2 vs.2Q25 vs.3Q24 Avg Bce Yield Avg Bce Yield Avg Bce Yield Avg Bce Yield Avg Bce Yield In pesos 17,063,847 37.67 16,440,858 40.22 12,138,971 50.31 4 (255) 41 (1,264) Government securities 5,369,111 29.45 5,332,193 38.13 6,094,831 53.83 1 (868) (12) (2,438) Loans 11,551,825 41.37 10,971,017 40.30 5,818,733 45.64 5 107 99 (427) Other interest-earning assets 142,911 47.65 137,648 114.72 225,407 75.64 4 (6,707) (37) (2,799) In foreign currency 5,639,101 7.18 4,547,932 5.48 1,796,381 6.45 24 170 214 73 Government securities 431,741 1.79 432,501 (0.02) 494,618 7.32 — 181 (13) (553) Loans 5,181,477 7.70 4,083,608 6.65 1,272,548 5.68 27 105 307 202 Other interest-earning assets 25,884 (9.00) 31,823 (70.16) 29,216 25.23 (19) 6,116 (11) (3,423) Interest-earning assets 22,702,948 30.10 20,988,790 32.69 13,935,352 44.65 8 (259) 63 (1,455) 1. Does not include foreign currency quotation differences. Annual nominal interest rates were calculated using a 360-day denominator. Average interest-earning assets reached Ps.22,702,948 million, registering an increase of Ps.1,714,158 million (8%), compared to the previous quarter. This increase was mainly the result of a higher volume of of loans in foreign currency for Ps.1,097,869 million (27%) and loans in pesos for Ps.580,808 million (5%). The average yield on interest-earning assets for the third quarter of 2025 was 30.10%, representing a decrease of 259 bp, compared to the previous quarter. Compared to the third quarter of 2024, average interest-earning assets increased by Ps.8,767,596 million (63%), mainly due to a higher volume of loans in pesos for Ps.5,733,092 million (99%) and loans in foreign currency for Ps.3,908,929 million (307%), offset by a decrease in the volume of government securities in pesos for Ps.725,720 million (12%). When copared to the third quarter of 2024, the average yield on interest-earning assets decreased 1,455 bp, mainly justified by lower average yields on other interest-earning assets in foreign currency. 13 Yields and rates 2. Does not include Galicia Más

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) 3Q 2Q 3Q 2 vs.2Q25 vs.3Q24 Avg Bce Yield Avg Bce Yield Avg Bce Yield Avg Bce Yield Avg Bce Yield In pesos 10,006,150 31.30 8,413,413 27.72 7,391,396 32.13 19 358 35 (83) Saving accounts 1,535,120 0.02 1,230,094 0.03 1,119,754 0.02 25 (1) 37 — Time deposits 5,754,191 39.72 4,921,695 34.75 3,403,099 41.14 17 497 69 (142) Other Deposits 2,046,520 27.76 1,871,243 26.42 2,244,223 33.25 9 134 (9) (549) Debt securities 183,926 41.85 176,742 37.04 40,387 50.76 4 481 355 (891) Other interest-bearing liabilities 486,394 41.41 213,639 28.87 583,933 35.64 128 1,254 (17) 577 In foreign currency 9,932,530 1.60 7,266,217 1.63 3,928,094 1.15 37 (3) 153 45 Saving accounts 6,347,010 0.20 5,102,133 0.07 2,977,122 — 24 13 113 20 Time deposits 1,601,041 3.14 777,394 3.26 518,741 2.42 106 (12) 209 72 Other Deposits 531,927 0.76 191,974 0.94 67,001 — 177 (18) 694 76 Debt securities 1,429,794 6.30 1,164,905 7.18 336,541 8.34 23 (88) 325 (204) Other interest-bearing liabilities 22,758 6.81 29,812 15.17 28,689 15.31 (24) (836) (21) (850) Interest-bearing liabilities 19,938,681 16.51 15,679,630 15.63 11,319,490 21.38 27 88 76 (487) Interest-bearing liabilities reached Ps.19,938,681 million, registering an increase of Ps.4,259,051 million (27%), in relation to the second quarter of 2025. This increase was maily due to higher volume of saving accounts in foreign currency for Ps.1,244,877 million (24%), time deposits in pesos for Ps.832,496 million (17%) and time deposits in foreign currency for Ps.823,647 million (106%). The average rate on interest-bearing liabilities was 16.51%, registering an increase of 88 bp compared to the previous quarter. In relation to the third quarter of 2024, there was an increase of Ps.8,619,191 million (76%), mainly due to an increase in saving accounts in foreign currency for Ps.3,369,888 million (113%), time deposits in pesos for Ps.2,351,092 million (69%) and debt securities in foreign currency for Ps.1,093,253 million (325%). The average rate on interest-bearing liabilities registered a decrease of 487 bp with respect to the third quarter of the previous year, as a consequence of the decrease in the interest rate on debt securities in pesos for 891 bp. 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 14

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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Cash and due from banks — 6 — (100) N/A Government securities 387,931 410,218 630,685 (5) (38) Other financial assets 149 181 — (18) N/A Loans and other financing 1,304,831 1,168,886 672,466 12 94 Non financial public sector 78 79 — (1) N/A Financial sector 29,453 16,087 10,525 83 180 Non-financial private sector 1,275,300 1,152,720 661,941 11 93 Overdrafts 164,511 118,602 70,840 39 132 Promissory notes 354,148 304,550 207,955 16 70 Mortgage loans 101,591 109,194 66,336 (7) 53 Pledge loans 44,015 42,857 13,868 3 217 Personal loans 268,947 267,989 142,863 — 88 Credit-card loans 307,224 283,459 151,870 8 102 Financial leases 5,438 4,963 2,442 10 123 Pre-financing and export financing 23,298 13,972 3,334 67 599 Other 6,128 7,134 2,433 (14) 152 Repurchase agreement transactions 6,914 4,618 22,475 50 (69) Interest income 1,699,825 1,583,909 1,325,626 7 28 Net interest income Net interest income for the quarter amounted to Ps.874,956 million, Ps.97,292 million (10%) lower than the second quarter. In relation to the same quarter of 2024, net interest income was higher for Ps.154,318 million (21%). 15 1. Does not include Galicia Más Interest income for the quarter reached Ps.1,699,825 million, Ps.115,916 million (7%) higher than the recorded in the previous quarter. This increase was a result of higher interest on loans and other financing for Ps.135,945 million (12%), mainly due to and increase in the volume of loan portfolio. This higher result was offset by a decrease in interest from government securities for Ps.22,287 million (5%). Compared to the third quarter of 2024, interest income increased by Ps.219,881 million (36%), as a result of higher income from loans and other financing for Ps.632,365 million (94%). Notable increases were observed in credit cards (102%), promissory notes (70%), and personal loans (88%). These higher results were offset by lower interest from government securities valued at amortized cost for Ps.242,754 million (38%). Additionally, lower interest for repurchase agreement transactions were registered for Ps.15,561 million (69%), operations that from July 2024 were replaced by LEFIs (National Treasury Liquidity Tax Bills).

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima Interest expenses totaled Ps.824,869 million, registering an increase of Ps.213,208 million (35%) in relation to the previous quarter, mainly due to and increase in deposits expenses for Ps.171,392 million (31%) and higher expenses from repurchase agreement transactions for Ps.34,646 million. Compared to the same quarter of 2024, there was an increase of Ps.219,881 million (36%). This increase was a consequence of higher expenses from deposits for Ps.190,637 million (35%), higher expenses from repurchase agreements transactions for Ps.32,431 million (618%), and higher expenses from negotiable obligations for Ps.31,267 million (581%). Interest expenses In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Deposits (730,268) (558,876) (539,631) 31 35 Current accounts — (1) — (100) N/A Saving accounts (3,296) (1,769) (45) 86 n.m. Time deposits and term investments (580,333) (428,208) (345,541) 36 68 Other (146,639) (128,898) (194,045) 14 (24) Financing from financial institutions (8,279) (5,296) (1,552) 56 433 Repurchase agreement transactions (37,681) (3,035) (5,250) n.m. 618 Other interest-bearing liabilities (4,813) (7,677) (46,418) (37) (90) Negotiable obligations (36,645) (28,644) (5,378) 28 581 Subordinated Negotiable obligations (7,183) (8,133) (6,759) (12) 6 Interest expenses (824,869) (611,661) (604,988) 35 36 16 1. Does not include Galicia Más

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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Credit cards 113,363 107,018 81,391 6 39 Deposit accounts 46,639 39,191 34,517 19 35 Insurance 4,125 11,310 6,344 (64) (35) Financial fees 102 503 315 (80) (68) Credit- related fees 1,062 2,277 1,875 (53) (43) Foreign trade 15,152 13,968 11,605 8 31 Collections 21,378 22,072 19,965 (3) 7 Utility-Bills collection services 20,116 18,356 15,312 10 31 Mutual Funds 8,439 8,541 7,184 (1) 17 Fees from bundles of products 34,079 34,048 23,398 — 46 Other 32,344 25,207 28,238 28 15 Total fee income 296,799 282,491 230,144 5 29 Total expenditures (48,156) (54,204) (42,515) (11) 13 Net fee income 248,643 228,287 187,629 9 33 The net fee income reached Ps.248,643 million, registering an increase of Ps.20,356 million (9%) compared to the second quarter of 2025. This increase was due to higher fee from deposit accounts for Ps.7,448 million (19%) and higher fees from credit cards for Ps.6,345 million (6%). Meanwhile, fee expenses registered an increase for Ps.6,048 million (11%). In relation to the third quarter of 2024, net fee income registered an increase for Ps.61,014 million (33%). This increase was primarily due to higher credit card fees of Ps.31,972 million (39%), higher deposit fees for Ps.12,122 million (35%) and an increase in fees from bundle of products for Ps.10,681 million (46%), offset by an increase in fee expenses of Ps.5,641 million (13%). 17 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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Government securities 8,619 72,128 139,278 (88) (94) Private sector securities (10,081) 20,131 5,442 (150) (285) Derivative financial instruments 18,495 7,046 26,906 162 (31) Forward transactions 18,885 7,046 15,248 168 24 Options – – 11,658 — 100 Results of other financial assets/liabilities (3) 3 — (200) N/A Results from derecognition of assets (3,424) 25,936 47,186 (113) (107) Net income from financial instruments 13,606 125,244 218,812 (89) (94) The result from quotation differences of gold and foreign currency for the quarter was a Ps.70,343 million profit, Ps.7,421 million (12%) higher than Ps.62,921 million recorded in the previous quarter and Ps.31,699 million (82%) higher than the third quarter of 2024. This result includes a gain of Ps.97,822 million from purchase and sale of foreign currency, mainly attributable to a higher volume traded following the lifting of exchange restrictions. 18 Gold and foreign currency quotation differences Net income from financial instruments 1. Does not include Galicia Más Net income from financial instruments was Ps.13,606 million, Ps.111,638 million (89%) lower than Ps.125,244 million registered on the previous quarter. This decrease was mainly due to lower result from government securities for Ps.63,509 million (88%) result of a lower average volume in the quarter. Additionally, there was a lower result from derecognition of assets for Ps.29,360 million (113%) and a lower result from private sector securities for Ps.30,212 million (150%). In relation to the same quarter of 2024, there was a decrease of Ps.205,206 million (94%). This decrease was due to a Ps.130,659 million (94%) lower result from government securities, lower results from derecognition of assets for Ps.50,610 million (107%) and lower results from private securities for Ps.15,523 million (285%).

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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Other financial income 81 988 5,437 (92) (99) Rental of safe deposit boxes 13,899 14,514 12,300 (4) 13 Other fee income 2,960 9,490 2,578 (69) 15 Other adjustments and interest on miscellaneous receivables 25,089 24,166 21,260 4 18 Other 54,101 37,348 11,984 45 351 Total other operating income 96,130 86,506 53,559 11 79 In the third quarter, other operating income amounted to Ps.96,130 million, registering an increase of Ps.9,624 million (11%) compared to the previous quarter. This higher result was mainly due to the increase in other results for Ps.16,753 million (45%), offset by a decrease in other fee income of Ps.6,530 million (69%). Compared to the third quarter of 2024, other operating income increased by Ps.42,571 million (79%), mainly due to a rise in other income for Ps.42,117 million (351%). Loan loss provisions for the quarter totaled Ps.443,408 million, Ps.90,304 million (26%) higher than the previous quarter, and higher by Ps.299,355 million (208%) in relation to the same quarter of 2024. This increase was a consequence of a larger portfolio and of a worsening in the delinquency ratios. 19 Loan-loss provisions Other operating income 1. Does not include Galicia Más

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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Fees and compensations for services 12,657 13,498 14,477 (6) (13) Fees to directors and syndics 209 230 230 (9) (9) Publicity, promotion and research expenses 7,584 7,360 7,023 3 8 Taxes 42,159 39,020 30,277 8 39 Maintenance and repairment of goods and IT 42,284 61,761 30,883 (32) 37 Electricity and communications 10,196 9,522 8,131 7 25 Representation and mobility expenses 1 39 — (97) N/A Stationery and office supplies 836 1,184 901 (29) (7) Hired administrative services 41,889 48,954 30,043 (14) 39 Security 6,411 6,226 4,951 3 29 Insurance 1,625 1,754 1,540 (7) 6 Other 23,834 23,507 22,112 1 8 Total administrative expenses 189,685 213,055 150,568 (11) 26 Administrative expenses for the quarter reached Ps.189,685 million, registering a decrease of Ps.23,370 million (11%), compared to the previous quarter, mainly due to lower expenses from maintenance and repairment of goods and IT for Ps.19,477 million (32%) and lower expenses from hired administrative services for Ps.7,065 million (14%). In relation to the third quarter of 2024, administrative expenses increased for Ps.39,117 million (26%). This increase was a consequence of higher taxes for Ps.11,882 million (39%), hired administrative services for Ps.11,846 million (39%) and maintenance and repairment of goods and IT for Ps.11,401 million (37%). Personnel expenses reached Ps.327,336 million, registering a increase of Ps.148,422 million (83%) compared to the second quarter of 2025. During the quarter, severance expenses related to the restructuring plan has been recorded for Ps.167.823 million. In relation to the third quarter of 2024, personnel expenses increased by Ps.193,997 million (145%). 20 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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Contribution to the Deposit Insurance Fund 8,448 8,564 4,622 (1) 83 Other financial results 12,230 2,652 — 361 — Turnover tax 145,171 135,469 75,048 7 93 On financial income 121,592 113,972 65,644 7 85 On fees 22,917 20,257 8,134 13 182 On other items 662 1,240 1,270 (47) (48) Other fee-related expenses 73,845 87,536 79,885 (16) (8) Charges for other provisions 11,098 7,107 6,202 56 79 Claims 10,781 8,791 8,139 23 32 Other 17,298 15,488 3,827 12 352 Total other operating expenses 278,871 265,607 177,723 5 57 Other operating expenses for the quarter reached Ps.278,871 million, which represented an increase of Ps.13,264 million (5%) compared to the previous quarter. This increase was due to higher turnover tax for Ps.9,702 million (7%) -mainly from financial operations-, higher other expenses for Ps.9,578 million (361%) and higher charges from other provisions for Ps.3,991 million (56%), offset by lower expenses from other fee-related expenses for Ps.other financial results for Ps.13,691 million (16%). In relation to the third quarter of 2024, operating expenses increased by Ps.101,148 million (57%), mainly due to a higher turnover tax by Ps.70,123 million (93%) -primarily from operational and financial services-, higher other financial results for Ps.12,230 million and higher other expenses for Ps.13,471 million (352%). The result from depreciation and devaluation of assets reached Ps.58,367 million, registering an increase of 1%, compared to the previous quarter. In relation to the same quarter of the previous year, the result registered an increase of Ps.18,468 million (46%). 21 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.114,527 million, compared to a charge of Ps.63,771 million recorded in the second quarter of 2025 and Ps.63,274 million in the third quarter of 2024. 22 In the third quarter of 2025, Galicia recorded a loss of Ps.136,820 million in other comprehensive income (OCI), mainly from the valuation of government securities. In relation to the second quarter of 2025, other comprehensive income decreased by Ps.153,838 million, mainly due to a deterioration 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 (%) 3Q 2Q 3Q 2 vs.2Q25 vs.3Q24 Assets Cash and due from banks 8,290,655 6,116,126 7,843,744 36 6 Debt securities 283,783 984,375 1,142,852 (71) (75) Net loans and other financing 17,413,390 15,272,263 8,232,924 14 112 Other financial assets 6,231,178 7,682,446 6,770,030 (19) (8) Equity investments in subsidiaries, associates and joint businesses 7,886 8,485 8,928 (7) (12) Property, bank premises, equipment 1,079,639 1,104,652 878,266 (2) 23 Intangible assets 306,468 313,959 274,071 (2) 12 Other assets 420,243 466,434 101,768 (10) 313 Assets available for sale 8,867 8,868 25 — n.m Total assets 34,042,109 31,957,608 25,252,608 7 35 Liabilities Deposits 22,886,038 21,132,332 17,382,832 8 32 Financing from financial entities 290,270 139,921 68,429 107 324 Other financial liabilities 2,694,643 2,060,571 2,015,736 31 34 Negotiable obligations 1,210,115 1,077,893 131,678 12 819 Subordinated negotiable obligations 476,920 454,065 323,010 5 48 Other liabilities 972,851 1,320,560 617,599 (26) 58 Total liabilities 28,530,837 26,185,342 20,539,284 9 39 Shareholders' equity(3) 5,511,272 5,772,266 4,713,324 (5) 17 Foreign currency assets and liabilities Assets 13,435,558 10,410,592 9,387,312 29 43 Liabilities 13,325,941 10,620,519 9,024,876 25 48 Net forward purchases/(sales) of foreign currency (1) (42,234) 146,439 (156,496) (129) (73) Net global position in foreign currency 67,383 (63,488) 205,940 (206) (67) (1) Recorded off-balance sheet. (2) Does not include Galicia Más. (3) As of September 30, 2025, it includes a negative reserve for other comprehensive income of Ps.160,747 million. 23 Selected financial information

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 (%) 3Q 2Q 3Q 3 vs.2Q25 vs.3Q24 In pesos 13,414,705 12,737,951 7,569,109 5 77 Loans 10,512,948 10,133,998 6,286,640 4 67 UVA-adjusted loans 1,475,494 1,302,595 515,609 13 186 Financial leases 49,651 46,885 21,085 6 135 Other financing(2) 1,376,612 1,254,473 745,775 10 85 In foreign currency 6,997,353 5,194,818 2,167,931 35 223 Loans 6,109,983 4,274,158 1,499,187 43 308 Financial leases 2,375 2,281 1,563 4 52 Other financing(2) 884,995 918,379 667,181 (4) 33 Total financing to the private sector 20,412,058 17,932,769 9,737,040 14 110 1. Includes IFRS adjustments. 2. Includes certain off-balance sheet accounts related to guarantees granted. 3. Does not include Galicia Más 24 As of September 30, 2025, financing to the private sector reached Ps.20,412,058 million, registering an increase of Ps.2,479,289 million compared to the second quarter of 2025, mainly due to an increase in loans in foreign currency for Ps.1,835,825 million and in loans in pesos for Ps.378,950 million. On the other hand, there was a 110% increase compared to the same period of the previous year. This increase was mainly due to higher loans in foreign currency for Ps.4,610,796 million (308%) and higher loans in pesos for Ps.4,226,308 million (67%). The market share of total loans to the private sector as of September 30, 2025, reached 14.8%, which represented an increase of 30 bps compared to the second quarter of 2025, and an increase of 290 bps compared to the third quarter of 2024. 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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Financial entities 392,117 244,242 102,647 61 282 Loans 392,117 244,242 102,647 61 282 Non-financial private sector and residents abroad 18,117,001 15,865,359 8,410,823 14 115 Loans 17,706,308 15,466,509 8,198,789 14 116 Overdrafts 1,037,961 1,130,580 595,683 (8) 74 Promissory notes 6,499,493 5,559,025 3,051,402 17 113 Mortgage loans 1,038,636 882,820 154,672 18 572 Pledge loans 610,512 533,550 203,251 14 200 Personal loans 1,897,821 1,887,619 966,446 1 96 Credit-card loans 3,770,148 3,854,738 2,495,140 (2) 51 Pre-financing and financing of exports 1,083,165 810,540 185,646 34 483 Other Loans 1,140,744 205,503 152,917 455 646 Accrued interest, adjustments and foreign currency quotation differences receivable 698,990 639,291 420,251 9 66 Documented interest (71,162) (37,157) (26,619) 92 167 Financial leases 52,026 49,166 22,648 6 130 Other financing 358,667 349,684 189,386 3 89 Non-financial public sector 9,105 10,888 3,196 (16) 185 Total loans and other financing 18,518,223 16,120,489 8,516,666 15 117 Allowances (1,104,833) (848,226) (283,742) 30 289 Loans (1,086,819) (833,281) (278,206) 30 291 Financial leases (3,313) (2,617) (468) 27 608 Other financing (14,701) (12,328) (5,068) 19 190 Net loans and other financing 17,413,390 15,272,263 8,232,924 14 112 As of September 30, 2025, the loan portfolio and other financing net of provisions reached Ps.17,413,390 million, registering an increase of Ps.2,141,127 million (14%) compared to the previous quarter. Notable increases were observed in promissory notes by Ps.940,468 million (17%), other loans by Ps.935,241 million (455%), and pre-financing and financing of exports by Ps.272,625 million (34%). In relation to the third quarter of 2024, there was an increase of 112% increase. The main increases were in promissory notes for Ps.3,448,091 million (113%), credit cards for Ps.1,275,008 million (51%) and personal loans for Ps.931,375 million (96%). 251. 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 (%) 3Q 2Q 3Q 2 vs.2Q25 vs.3Q24 Government securities' net Position 5,769,584 5,934,837 6,148,390 (3) (6) Measured at fair value 771,146 979,243 1,166,064 (21) (34) In pesos 654,766 776,488 973,915 (16) (33) Adjusted by CER 42,906 132,650 119,681 (68) (64) In foreign currency 73,474 9,084 54,263 709 35 Dual Bond — 61,021 18,205 (100) (100) Measured at amortized cost 3,139,098 2,244,711 3,329,595 40 (6) In pesos 1,030,982 165,141 386,820 524 167 Adjusted by CER 1,686,428 1,689,782 2,538,428 — (34) In foreign currency 421,688 389,788 360,899 8 17 Lediv — — 43,448 N/A (100) Measured at fair value through OCI 1,859,340 2,710,883 1,652,731 (31) 13 In pesos 1,369,136 2,201,708 1,652,731 (38) (17) Adjusted by CER 490,204 509,175 — (4) N/A Other receivables resulting from financial brokerage 9,105 10,889 3,196 (16) 185 Repurchase agreement transactions -Argentine Central Bank — — — — — Loans and other financing 9,105 10,889 3,196 (16) 185 Total exposure to the public sector 5,778,689 5,945,726 6,151,586 (3) (6) 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 26 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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 In pesos 12,138,405 12,571,301 9,032,615 (3) 34 Current accounts 2,096,166 2,284,896 1,503,347 (8) 39 Saving accounts 1,575,855 1,996,260 1,246,538 (21) 26 Time deposits 6,253,949 4,980,765 3,661,978 26 71 UVA-adjusted time deposits 41,123 170,676 123,049 (76) (67) Other 1,968,758 2,969,106 2,249,149 (34) (12) Interests and adjustments 202,554 169,598 248,554 19 (19) In foreign currency 10,747,633 8,561,031 8,350,217 26 29 Saving accounts 6,471,787 5,977,832 6,331,180 8 2 Time deposits 1,873,917 1,091,963 595,008 72 215 Other 2,398,144 1,488,405 1,422,343 61 69 Interests and adjustments 3,785 2,831 1,686 34 124 Total deposits 22,886,038 21,132,332 17,382,832 8 32 Deposits amounted to Ps.22,886,038 million as of September 30, 2025, registering an 8% increase when compared to the previous quarter. There was an increase in other deposits in foreign currency for Ps.909,739 million and in time deposits in foreign currency for Ps.781,954 million. In relation to the third quarter of 2024, there was an increase of 32%. This increase was the result of a higher volume of time deposits in pesos for Ps.2,591,971 million (71%), time deposits in foreign currency for Ps.1,278,909 million (215%) and of other deposits in foreign currency for Ps.975,801 million (69%). As of September 30, 2025, net exposure to the public sector reached Ps.5,778,689 million, registering a decrease of 3% compared to the second quarter of 2025. There was a decrease in government securities in pesos measured at fair value through OCI for Ps.832,572 million, offset by an increase in government securities in pesos at fair value for Ps.865,841 million. In relation to the same quarter of the previous year, there was a decrease of 6%, as a result of a decrease in government securities adjusted by CER at amortized cost for Ps.852,000 million (34%), offset by an increase in government securities in pesos at amortized cost for Ps.644,162 million. The net exposure to the public sector represents a 17% of the total assets, while in the third quarter of 2024 said exposure represented a 24% of total assets. 27 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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Financial entities 290,270 139,921 68,430 107 324 Financing from credit-card purchases 507,123 841,979 619,312 (40) (18) Negotiable obligations 1,210,115 1,077,893 131,679 12 819 Subordinated negotiable obligations 476,920 454,064 323,010 5 48 Creditors from purchases of foreign currency 21,323 86,917 7,703 (75) 177 Collections on account of third parties 831,441 669,377 283,231 24 194 Other financial liabilities 1,334,754 462,298 1,105,488 189 21 Total financial liabilities 4,671,946 3,732,449 2,538,853 25 84 Financial liabilities amounted to Ps.4,671,946 million, registering an increase of Ps.939,497 million (25%) compared to the second quarter of 2025. This increase was a result of higher other financial liabilities for Ps.872,456 million (189%). In relation to the third quarter of the previous year, there was an increase of Ps.2,133,093 million (84%). The variation was mainly due to an increase of negotiable obligations for Ps.1,078,436 million and of collections on account of third parties for Ps.548,210 million. On August 14, Banco Galicia issued Class XXIX of Negotiable Obligations. The Class was issued for a nominal value of US$110 million at a nominal annual interest rate of 6.25% and maturing 12 months from the date of issuance. 28 Financial Liabilities Total deposit accounts as of September 30, 2025, reached 11.8 million, a 5% growth relative to the second quarter of 2025 and with an increase of 52% compared to the same date of the previous year. The market share of private sector deposits reached 16.4% as of September 30, 2025, registering an increase of 40 bp compared to the second quarter of 2025 and an increase of 640 bp compared to the third 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 (%) 3Q 2Q 3Q 2 vs.2Q25 vs.3Q24 Cash and due from banks 8,290,655 6,116,126 7,843,744 36 6 Government securities(1) 4,883,602 5,851,423 4,892,724 (17) — Call-money 66,001 93,985 56,342 (30) 17 Overnight placements in correspondent banks 823,223 158,759 109,705 419 650 Repurchase agreement transactions (452,079) 100,304 (30,424) (551) n.m. Other financial assets — 1,458,941 864,979 (100) (100) Total liquid assets 13,611,402 13,779,538 13,737,070 (1) (1) Liquidity ratios (%) Variation (bp) Liquid assets as a percentage of transactional deposits 94.5 94.3 108.8 20 (1,430) Liquid assets as a percentage of total deposits 59.5 65.2 79.0 (570) (1,950) As of September 30, 2025, the Bank’s liquid assets represented 94.5% of the Bank’s transactional deposits and 59.5% of its total deposits. This ratios were 94.3% and 65.2% in the second quarter in 2025 and 108.8% and 79.0%, respectively in the third quarter of 2024. 29 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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Non-accrual Financings 1,176,073 793,294 179,339 48 556 With preferred guarantees 41,693 26,585 6,618 57 530 With other guarantees 20,699 14,893 6,284 39 229 Without guarantees 1,113,681 751,816 166,437 48 569 Allowance for loan losses 1,194,090 935,388 330,698 28 261 Relevant ratios (%) Variation (bp) NPL Ratio 5.8 4.4 1.8 140 400 Allowance for loan losses to loans to the private sector 5.9 5.2 3.4 70 250 Coverage 101.5 117.9 184.4 (1,640) (8,290) Non-accrual loans with guarantees to non-accrual financing 5.3 5.2 7.2 10 (190) Cost of risk 9.3 8.2 6.4 110 290 The non-accrual financing portfolio (that includes certain items of other financial assets and guarantees granted) amounted to Ps.1,176,073 million as of September 30, 2025, representing 5.8% of total financing, recording a 140 bps increase as compared to the second quarter of 2025 and 400 bps increase as compared to the 1.8% recorded in the same quarter of 2024. 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 101.5%, compared to 117.9% as of June 30, 2025 and to 184.4% as of September 30, 2024. 30 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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Allowance for loan losses At the beginning of the quarter 935,388 702,094 255,282 33 266 Changes in the allowance for loan losses Provisions charged to income 416,556 336,074 143,339 24 191 Charge offs (112,941) (60,318) (36,473) 87 210 Inflation effect (44,913) (42,462) (31,450) 6 43 Allowance for loan losses at the end of the quarter 1,194,090 935,388 330,698 28 261 Charge to the income statement Provisions charged to income (416,556) (336,074) (143,341) 24 191 Direct charge offs (26,852) (17,030) (713) 58 n.m. Bad debts recovered 34,361 9,607 3,710 258 826 Net charge to the income statement (409,047) (343,497) (140,344) 19 191 During the quarter, Ps.112,941 million were charged off against the allowance for loan losses and direct charges to the income statement for Ps.26,852 million were made. 31 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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Minimum capital requirement (A) 1,919,793 1,746,859 1,001,482 10 92 Allocated to credit risk 1,628,129 1,484,717 666,169 10 144 Allocated to market risk 45,031 26,277 21,051 71 114 Allocated to operational risk 246,633 235,865 314,262 5 (22) Computable capital (B) 5,164,781 5,054,707 3,240,768 2 59 Tier I 5,110,117 4,947,239 3,192,222 3 60 Tier II 54,664 107,468 48,546 (49) 13 Excess over required capital (B) (A) 3,244,988 3,307,848 2,239,286 (2) 45 Risk weighted assets 23,404,636 21,295,183 12,275,986 10 91 Ratios (%) Variation (bp) Total capital ratio 22.1 23.7 26.4 (160) (430) Tier I capital ratio 21.8 23.2 26.0 (140) (420) 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 September 30, 2025, the computable capital was Ps.5,164,781 million and the minimum capital requirement was Ps.1,919,793 million, which represented an excess of Ps.3,244,988 million (169%). This excess was Ps.2,239,286 million (224%) as of the same date in 2024. The capital requirement increased Ps.918,311 million and the computable capital increased Ps.1,924,013 million, compared to the third quarter of 2024. The total tier 1 capital ratio was 21.8%, a decrease of 420 bps compared to the third quarter of 2024 and a decrease of 160 bps compared to the second quarter of 2025. The most significant variations compared to the last decrease stemmed primarily from the increase in credit APRs, mainly due to the growth in exposures to investment-grade companies and retail clients, and finally, from the increase in market APRs, driven by exchange rate fluctuations. This was offset by the growth in Tier 1 capital, resulting from the increased earnings in the last audited quarter and the greater recognition of IFRS provisions compared to regulatory provisions. Regarding the change in the ratio between September 2025 and September 2024, the main variations include an increase in the loan portfolio, reflecting greater credit exposure and contributing to the increase in the ratio; an increase in off-balance-sheet items, mainly due to unused credit card balances and current account agreements resulting from regulatory changes; and finally, a reduction in the capital requirement for operational risk, as a result of the implementation of a new calculation methodology, also stemming from a regulatory change. 32 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.100,147 million Net income 9M25 period attributable to Naranja X -60% vs. 9M 2024 ROE 13.4% -2,810 bp vs. 9M 2024 Efficiency ratio 31.8% -810 bp vs. 9M 2024 2,682 Employees 9,466 Credit cards In thousands 109 Branches and other points of sale 34 Ps.(6,318) million Results for the quarter attributable to Naranja X -107% vs. 3Q 2024 ROE (2.5%) -4,320 bp vs. 3Q 2024 Efficiency ratio 32.5% -520 bp vs. 3Q 2024 Highlights1 8,368 Deposit accounts In thousands Ps.1,926 Average balance of deposits 2Q25 In billions 10.9% Market share: Saving accounts 4.8% Market share: Personal Loans 81% 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. 22.1% Credit and Risk 3Q25 18.8% Credit and Risk YTD

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 (%) 3Q 2Q 3Q vs.2Q25 vs.3Q24 Net interest income 368,497 291,911 269,676 26 37 Net fee income 165,491 165,036 156,579 — 6 Net results from financial instruments 11,754 62,740 31,945 (81) (63) Gold and foreign currency quotation differences (34,636) (12,504) 1,734 177 n.m. Other operating income 50,732 47,368 30,687 7 65 Loan loss provisions (293,058) (244,602) (76,711) 20 282 Net operating income 268,780 309,949 413,910 (13) (35) Personnel expenses (53,528) (61,019) (49,648) (12) 8 Administrative expenses (63,965) (50,047) (62,482) 28 2 Depreciations and devaluations of assets (8,795) (8,297) (7,800) 6 13 Other operating expenses (105,436) (101,691) (77,277) 4 36 Operating income 37,056 88,895 216,703 (58) (83) Results from the net monetary position (41,655) (38,849) (81,061) 7 (49) Income tax (1,749) (15,969) (45,072) (89) (96) Net income / (loss) (6,348) 34,077 90,570 (119) (107) Net Income / (loss) Attributable to Non-controlling Interests (30) 30 — (200) N/A Net Income / (loss) Attributable to Naranja X (6,318) 34,047 90,570 (119) (107) Other comprehensive income 2,806 995 248 182 n.m. Total comprehensive income / (loss) (3,542) 35,072 90,818 (110) (104) Total comprehensive income to Non-controlling Interests 111 79 — 41 N/A Total comprehensive income / (loss) to Naranja X (3,653) 34,993 90,818 (110) (104) 35 Results for the quarter1 In the third quarter, Naranja X recorded anet loss of Ps.6,318 million, Ps.40,365 million lower compared to the previous year. This variation is mainly explained by a lower operating result. Net operating income decreased by Ps.41,169 million (13%) compared to the previous quarter. This result was lower mainly due to a decrease in net results from financial instruments for Ps.50,986 million (81%) and an increase in loan loss provisions for Ps.48,456 million (20%). This lower result was partially offset by an increase in net interest income, which amounted to Ps.76,586 million (26%). Compared to the same quarter of 2024, there was a decrease of Ps.145,130 million (35%), mainly due by higher loan loss provision for Ps.216,347 million (282%), which was offset by an increase in net interest income of Ps.98,821 million (37%). The result for the quarter represented, on an annualized basis, a negative ROA of 0.4% and a negative ROE of 2.5%, while in the third quarter of 2024 they represented 8.4% and 40.71%, respectively. (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 36 Profitability and efficiency1 Financial margin Efficiency ratio ROA ROE (0.4)% 2.1% 8.4% 3Q 2025 2Q 2025 3Q 2024 (2.5)% 13.8% 40.7% 3Q 2025 2Q 2025 3Q 2024 18.9% 19.6% 29.3% 3Q 2025 2Q 2025 3Q 2024 32.5% 30.8% 37.7% 3Q 2025 2Q 2025 3Q 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 (%) 3Q 2Q 3Q vs.2Q25 vs.3Q24 Assets Cash and due from banks 323,095 297,794 68,588 8 371 Debt securities — — 121,441 — (100) Net loans and other financing 4,729,169 4,799,327 3,556,853 (1) 33 Other financial assets 1,406,123 1,473,753 718,349 (5) 96 Property, bank premises, equipment 79,028 81,300 85,462 (3) (8) Intangible assets 23,907 22,909 20,836 4 15 Other non-financial assets 215,826 179,517 74,900 20 188 Total assets 6,777,148 6,854,600 4,646,429 (1) 46 Liabilities Deposits 2,105,872 2,034,787 864,365 3 144 Financing from financial entities 517,294 684,712 468,469 (24) 10 Other financial liabilities 2,375,315 2,376,290 2,070,876 — 15 Negotiable obligations 476,825 421,658 128,989 13 270 Other non-financial liabilities 311,450 343,220 185,188 (9) 68 Total liabilities 5,786,756 5,860,667 3,717,887 (1) 56 Shareholders' equity 990,392 993,933 928,542 — 7 Shareholders' equity attributable to Non-controlling 1,395 1,285 — 9 N/A Shareholders' equity attributable to Naranja X 988,997 992,648 928,542 — 7 37 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 (%) 3Q 2Q 3Q vs.2Q25 vs.3Q24 Non-accrual loans 568,312 453,840 171,593 25 231 Allowances for loan losses and provisions 637,127 534,708 222,715 19 186 Ratios (%) Variation (bp) NPL Ratio 10.8 9.2 6.1 160 470 Allowance for loan losses to loans to the private sector 12.2 10.8 6.0 140 — Coverage 112.1 124.9 171.0 (1,280) (5,890) Cost of risk 22.1 20.1 11.7 200 1,040 Taking into consideration the provisions for unused credit-card balances, the coverage ratio as of September 30, 2025, amounted to 112.1%, compared to 171.0% on the same date of the previous year. 38 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 (%) 3Q 2Q 3Q vs.2Q25 vs.3Q24 Allowances for loan losses At the beginning of the quarter 534,708 399,906 182,074 34 194 Changes in the allowance for loan losses Provisions charged to income 288,958 240,809 73,619 20 293 Reversals of allowances for loan losses (207) (79) (324) 162 (36) Charge off (164,813) (79,179) (11,050) 108 n.m. Effect of inflation (21,519) (26,749) (21,604) (20) — Allowance for loan losses at the end of the quarter 637,127 534,708 222,715 19 186 Charge to the income statement Provisions charged to income (288,958) (240,809) (73,620) 20 292 Direct charge offs (4,100) (3,793) (3,091) 8 33 Bad debt recovered 3,445 3,238 1,859 6 85 Net charge to the income statement (289,613) (241,364) (74,852) 20 287 39

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.11,692 million Net income 9M25 period attributable to Seguros +152% vs. 9M 2024 ROE 9.9% +7,580 bp vs. 9M 2024 Combined Ratio 102.2% -1,480 bp vs. 9M 2024 859 2,799 Employees Polices In thousands 41 Clients In thousands Ps.(12,963) million Net income for the quarter attributable to Seguros -629% vs. 3Q 2024 ROE (28.5%) -1,350 bp vs. 3Q 2024 Combined Ratio 96.5% +220 bp vs. 3Q 2024 2,077 Highlights Agencies 12 To facilitate comparability, the information corresponding to the second quarter of 2025 has been adjusted. The information corresponding to the third 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 2025 2025 2024 Variation (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Income from insurance services 149,924 127,179 115,928 18 29 Insurance service expenses (137,984) (108,091) (81,781) 28 69 Net reinsurance expenses (19,353) (8,668) (9,460) 123 105 Insurance financial results 12,653 (31,222) (18,131) (141) (170) Insurance business results 5,240 (20,802) 6,556 (125) (20) Interest income 15,057 17,532 10,683 (14) 41 Net results from financial instruments (38,494) 27,415 (3,139) (240) 1,126 Gold and foreign currency quotation differences 1,605 2,426 2,182 (34) (26) Other operating income 8,697 4,787 4,577 82 90 Net operating income (7,895) 31,358 20,859 (125) (138) Personnel expenses (6,250) 2,276 (10,181) (375) (39) Administrative expenses (1,811) (5,677) (9,482) (68) (81) Depreciations and devaluations of assets 874 (3,586) (1,292) (124) (168) Other operating expenses (290) (395) (17) (27) n.m. Operating income (15,372) 23,976 (113) (164) n.m. Results from the net monetary position (3,828) (3,024) (8,049) 27 (52) Income tax 6,233 (7,620) 6,346 n.m. (2) Net income / (loss) (12,967) 13,332 (1,816) (197) 614 Net Income / (loss) Attributable to Parent Company’s Owners (4) 35 (39) (111) (90) Net Income / (loss) Attributable to Non-controlling Interests (12,963) 13,297 (1,777) (197) (629) Other comprehensive income (7,926) 283 7 (2,901) n.m. Total comprehensive income / (loss) (20,893) 13,615 (1,809) (253) n.m. Total comprehensive income / (loss) Attributable to Non-controlling Interests (4) 35 (40) (111) (90) Total comprehensive income / (loss) Attributable to Parent Company’s Owners (20,889) 13,580 (1,769) (254) n.m. 42 Results for the quarter 1. Does not included Galicia Más

Grupo Galicia Galicia SegurosGalicia Naranja X GlosaryRelevant information ESG Regulatory changesFondos Fima 43 Profitability and efficiency Combined ratio Efficiency ratio ROA ROE (4.6)% 5.0% (1.7)% 3Q 2025 2Q 2025 3Q 2024 (28.5)% 30.1% (15.0)% 3Q 2025 2Q 2025 3Q 2024 96.5% 116.4% 94.3% 3Q 2025 2Q 2025 3Q 2024 116.4% 87.1% 110.4% 3Q 2025 2Q 2025 3Q 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 (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Assets Cash and due from banks 15,844 8,764 3,326 81 376 Debt securities 474,740 530,335 89,548 (10) 430 Other financial assets 344,001 324,369 64,437 6 434 Property, bank premises, equipment 8,538 8,570 7,501 — 14 Intangible assets 21,404 21,869 23,470 (2) (9) Assets for insurance and reinsurance contracts 109,819 99,595 89,701 10 22 Other non-financial assets 111,342 116,959 78,157 (5) 42 Total assets 1,085,688 1,110,461 356,140 (2) 205 Liabilities Liabilities for insurance and reinsurance contracts 822,310 813,074 237,647 1 246 Other non-financial liabilities 100,189 113,305 71,485 (12) 40 Total liabilities 922,499 926,379 309,132 — 198 Shareholders' equity 163,189 184,082 47,008 (11) 247 44 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.10,800 +28% vs. 3Q 2024 Assets under management In billions 15.4% Market share +260 bp vs. 3Q 2024 30 Employees 46 Assets under management 30 Ps.83,697 million Net income 9M25 period +40% vs. 9M 2024 Highlights Ps.24,708 million Results for the quarter +11% vs. 3Q 2024 To facilitate comparability, the information corresponding to the second quarter of 2025 has been adjusted. The information corresponding to the third 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 2025 2025 2024 Variation (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Net results from financial instruments 4,780 6,754 5,920 (29) (19) Gold and foreign currency quotation differences 454 193 17 135 n.m. Other operating income 53,357 49,665 41,608 7 28 Net operating income 58,591 56,612 47,545 3 23 Personnel and administrative expenses (5,288) (3,259) (2,727) 62 94 Other operating expenses (3,270) (4,721) (2,616) (31) 25 Operating income 50,033 48,632 42,202 3 19 Results from the net monetary position (6,477) (4,725) (6,332) 37 2 Income tax (18,848) (15,263) (13,658) 23 38 Net income 24,708 28,644 22,212 (14) 11 47 Results for the quarter 1. Does not included Galicia Más

Grupo Galicia Galicia Naranja X Galicia Seguros GlosaryRelevant information ESG Regulatory changesFondos Fima 48 Assets under management Assets under management In millions of pesos, except otherwise noted 2025 2025 2024 Variation (%) 3Q 2Q 3Q 1 vs.2Q25 vs.3Q24 Fima Acciones 57,655 80,475 92,353 (28) (38) Fima P.B. Acciones 40,967 52,269 55,867 (22) (27) Fima Renta en Pesos 65,964 126,939 126,981 (48) (48) Fima Ahorro Pesos 382,268 419,765 405,875 (9) (6) Fima Renta Plus 51,296 93,558 89,345 (45) (43) Fima Premium 7,591,435 7,707,252 6,992,443 (2) 9 Fima Ahorro Plus 238,721 396,747 404,347 (40) (41) Fima Capital Plus 106,566 114,076 166,322 (7) (36) Fima Abierto Pymes 29,427 24,378 15,014 21 96 Fima Mix I 26,922 27,879 31,653 (3) (15) Fima Premium Dolares 1,549,706 942,734 — 64 — Fima Mix II 11,638 10,174 8,172 14 42 Fima Renta Fija Internacional 3,985 4,180 7,033 (5) (43) Fima Sustentable ASG 7,194 5,454 5,071 32 42 Fima Acciones Latinoamericanas Dólares 627 579 639 8 (2) Fima Renta Fija Dólares 132,482 102,024 4,280 30 n.m. Fima Mix Dólares 109,675 137,964 38,072 (21) 188 HF Renta Fija Estratégica 18,899 32,240 — (41) N/A HF Renta Dolares 6,535 8,646 — (24) N/A HF Infraestructura PPEReI 80,813 74,175 — 9 N/A HF Acciones Líderes 19,542 26,884 — (27) N/A HF Acciones Argentinas 10,253 14,413 — (29) N/A HF Pesos 111,075 374,837 — (70) N/A HF Pesos Renta Fija 5,843 18,379 — (68) N/A HF Pesos Plus 57,745 108,986 — (47) N/A HF Renta Fija Argentina 9,851 16,469 — (40) N/A HF Desarrollo Abierto PYMES 35,915 35,044 — 2 N/A HF Infraestructura II 9,277 9,454 — (2) N/A HF Retorno Total 21,105 29,985 — (30) N/A HF Balanceado 6,172 19,683 — (69) N/A Assets under management 10,799,553 11,015,642 8,443,467 (2) 28 1. Does not included Galicia Más

Galicia Naranja X Galicia SegurosGrupo Galicia GlosaryRelevant information ESG Regulatory changesFondos Fima Relevant information Dividends On October 13, 2025, and November 12, 2025, Grupo Galicia paid cash dividends of Ps.35,845 million and Ps.36,589 million, respectively, as approved by the Shareholders' Meeting held on April 29, 2025. Negotiable obligations On November 14, 2025, Banco Galicia issued Class XXX Negotiable Obligations for a nominal amount of US$144 million at an annual nominal interest rate of 6%, with a 12 months maturity.

Galicia Naranja X Galicia SegurosGrupo Galicia GlosaryRelevant information ESG Regulatory changesFondos Fima Sustainable agriculture: Galicia + Bayer + Nera alliance In July, Banco Galicia relaunched the Bayer Green Credit, a financial initiative that acknowledges and rewards producers committed to regenerative agricultural practices under the PRO Carbono Program. This innovative proposal transforms sustainability into a profitable business model, fostering a more conscious and economically viable approach to farming. FOVE Mendoza: Green Solutions for Sustainable Cities On August 6, Banco Galicia, in collaboration with the Municipality of Mendoza, took part in the third edition of the Green Fund for Environmental Sustainability (FOVE). Due to its commitment, Galicia continues to support projects that leverage nature-based solutions to build greener, more innovative, and resilient cities. This initiative showcases how cross-sector collaboration can drive lasting impact. ESG 51 Multiplica Day: Inspiration That Turns into Action On September 11, Banco Galicia hosted the second edition of Multiplica Day, a space designed to reconnect with what makes us move. Over 300 members of the Galicia Team and partner social organizations took part in immersive experiences, inspiring talks, and activities that encourage environmental care, knowledge sharing, talent development, and the embodiment of our core values.

Galicia Naranja X Galicia SegurosGrupo Galicia GlosaryRelevant information ESG Regulatory changesFondos Fima 52 Regulatory changes • Partial integration with government securities As of August 19, all entities may integrate up to 3 percentage points of the applicable rates on transactional deposits in pesos (checking accounts, savings accounts, and unused overdraft balances) with peso-denominated government securities issued by the National Treasury, acquired through primary subscription as of August 18 • Net position in repos and securities lending Through Communication “A” 8305, as of September 2025, reverse repo transactions and securities lending (borrower positions) will be computed based on their net negative position, provided they have the same maturity and are carried out in markets authorized by the CNV, for purposes of minimum reserve requirement calculations. • Additional increases in integration and requirements According to Communication “A” 8306: • As of August 25, 2025, the proportion of the requirement applicable to transactional deposits in pesos (checking accounts, savings accounts, and other accounts) that can be integrated with government securities acquired under the established conditions will be increased by 2 percentage points. • As of September 1, 2025, the requirement for all peso-denominated obligations subject to fractional reserve requirements will be increased by 3.5 percentage points, also integrable with government securities under the detailed conditions. • New computation scheme and daily minimums Through Communication “A” 8350, as of November 1, 2025, compliance with the minimum reserve requirement in pesos will be calculated based on the monthly average of daily balances of the admitted concepts. In addition, entities must meet a daily minimum integration that cannot be less than 95% of the total peso requirement for the period. Minimum Cash Requirement. Adjustments The BCRA implemented the following measures: • Reserve requirements on U.S. dollar accounts Through Communication “A” 8301, a 25% reserve requirement was established for deposits in U.S. dollar checking accounts. • Daily measurement of reserve requirements As of August 18, Communication “A” 8302 stipulates that compliance with the minimum reserve requirements is calculated on a daily basis, eliminating the possibility of carrying forward shortfalls. • Temporary increase in reserve requirements Between August 19 and November 28, 2025, minimum cash requirements will be increased by 5 percentage points for: • Transactional deposits subject to minimum reserve requirements. • Peso deposits linked to mutual funds (money market), reverse repos, and passive securities lending transactions. This applies to Group A entities and branches/subsidiaries of G-SIBs not included in that group. Permitted integration: peso-denominated government securities issued by the National Treasury, acquired through special auctions as of August 18.

Galicia Naranja X Galicia SegurosGrupo Galicia GlosaryRelevant information ESG Regulatory changesFondos Fima 53 Net Global Foreign Currency Position Through Communication “A” 8311, the BCRA established: • As of August 2025, the daily spot position in foreign currency may not be increased on the last business day of the month compared to the previous day’s balance. • Starting December 1, 2025, the global net negative position in foreign currency must be met on a daily basis. Furthermore, when the daily spot position in foreign currency is negative, it may not exceed 30% of the computable regulatory capital corresponding to the previous month.

Galicia Naranja X Galicia SegurosGrupo Galicia GlosaryRelevant information ESG Regulatory changesFondos Fima Combined ratio: (insurance service expenses + net reinsurance expenses + insurance financial results) / (insurance service income). 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%. 54 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 2024 2024 3Q 2Q 1Q 4Q 3Q Consumer price index (IPC) (1) 9,384.0922 8,855.5681 8353.3158 7694.0075 7122.2421 Consumer price index (IPC) (%) 5.97 6.01 8.57 8.03 12.13 Wholesale price index (IPIM) (%) (2) 9.96 4.25 4.70 3.46 7.30 Acquisition value unit (UVA) (3) 1,599.50 1,517.83 1,396.00 1,300.85 1,180.35 Exchange rate (Ps./US$) (4) 1,366.58 1,194.08 1,073.88 1,032.50 970.92 Badlar (5) (quartely averages) 42.83 32.69 29.89 36.72 38.36 (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. 55

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