# EDGAR Filing Document

**Accession Number:** 0000033745
**File Stem:** 0000950157-25-000646
**Filing Date:** 2025-8
**Character Count:** 96402
**Document Hash:** 921a80b73b00aa59429a51d1323613cf
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000950157-25-000646.hdr.sgml**: 20250808

**ACCESSION NUMBER**: 0000950157-25-000646

**CONFORMED SUBMISSION TYPE**: 18-K/A

**PUBLIC DOCUMENT COUNT**: 37

**CONFORMED PERIOD OF REPORT**: 20241231

**FILED AS OF DATE**: 20250808

**DATE AS OF CHANGE**: 20250808

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EUROPEAN INVESTMENT BANK
- **CENTRAL INDEX KEY:** 0000033745
- **STANDARD INDUSTRIAL CLASSIFICATION:** FOREIGN GOVERNMENTS [8888]
- **ORGANIZATION NAME:** International Corp Fin
- **EIN:** 000000000
- **STATE OF INCORPORATION:** N4
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 18-K/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-05001
- **FILM NUMBER:** 251196739

**BUSINESS ADDRESS:**
- **ADDRESS IS A NON US LOCATION:** YES
- **STREET 1:** 98-100, BOULEVARD KONRAD ADENAUER
- **CITY:** LUXEMBOURG
- **PROVINCE COUNTRY:** N4
- **ZIP:** L2950
- **BUSINESS PHONE:** 00352 4379 1

**MAIL ADDRESS:**
- **ADDRESS IS A NON US LOCATION:** YES
- **STREET 1:** 98-100, BOULEVARD KONRAD ADENAUER
- **STREET 2:** L 2950 LUXEMBOURG
- **CITY:** LUXEMBOURG
- **NON US STATE TERRITORY:** LUXEMBOURG
- **PROVINCE COUNTRY:** N4
- **ZIP:** L2950

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#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

### FORM 18-K/A

#### For Foreign Governments and Political Subdivisions Thereof

#### Amendment No. 4<br>

#### to

### ANNUAL REPORT

#### of

### EUROPEAN INVESTMENT BANK

#### (Name of registrant)

#### Date of end of last fiscal year: December 31, 2024

Name and address of person authorized to receive notices and

communications from the Securities and Exchange Commission:

#### Philip J. Boeckman, Esq.

#### Lawrence J. Verhelst, Esq.<br>

#### Cravath, Swaine & Moore LLP
**100 Cheapside<br> London EC2V 6DT**

#### United Kingdom

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The undersigned registrant hereby amends its Annual Report on Form 18-K for the fiscal year ended December 31, 2024 (the "Annual Report") as follows:

The following additional exhibit is added to the Annual Report:

Exhibit XII: Unaudited Condensed Semi-Annual Financial Statements as at and for the six-month period ended June 30, 2025.

This amendment to the Annual Report on Form 18-K/A (and the exhibit herein) are intended to be incorporated by reference into the registrant's registration statement under Schedule B (File No. 333-274695), including the related prospectus dated December 21, 2023, as such registration statement and prospectus may be amended from time to time, and to be a part thereof from the date on which this amendment is filed, to the extent not superseded by documents or reports subsequently filed or furnished.

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this amendment to the annual report to be signed on its behalf by the undersigned, thereunto duly authorized at Luxembourg, Grand Duchy of Luxembourg, on the 8<sup>th</sup> day of August, 2025.

---

| | |
|:---|:---|
| EUROPEAN INVESTMENT BANK<br> (Name of registrant) | EUROPEAN INVESTMENT BANK<br> (Name of registrant) |
| by  |  |
|  | /s/ Cyril Rousseau |
|  | Cyril Rousseau |
|  | Director General |
|  | Finance Directorate |
| by |  |
|  | /s/ Marco Zimmermann  |
|  | Marco Zimmermann<br>|
|  | Director  |
|  | Global Head of Treasury and Capital Markets<br>|

---

------

---

| | |
|:---|:---|
|  | EXHIBIT INDEX |
| <u>Exhibit</u> | <u>Document</u> |
| [XII](ex99-xii.htm) | [Unaudited Condensed Semi-Annual Financial Statements as at and for the six-month period ended June 30, 2025.](ex99-xii.htm) |

---

## Ex-99.Xii

**Exhibit XII**<br>

![](ex-xii_01.jpg)

European Investment Bank SEC report as at and for the six-month period ended June 30, 2025 Financial Statements filed with the U.S. Securities and Exchange Commission SEC report as at June 30, 2025 \| 1

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![](ex-xii_02.jpg)

Unaudited Condensed Semi-Annual Financial Statements as at and for the six-month period ended June 30, 2025 SEC Filing 2 \| SEC report as at June 30, 2025

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![](ex-xii_03.jpg)

EIB GROUP CONSOLIDATED BALANCE SHEET AS AT JUNE 30, 2025 UNDER IFRS (in EUR '000) ASSETS 30.06.2025 (Unaudited) 31.12.2024 1. Cash in hand, balances with central banks and post office banks 213 948 104 678 2. Treasury bills and other bills eligible for refinancing with central banks 52 800 987 38 210 037 3. Loans and advances to credit institutions a) repayable on demand 1 680 297 1 659 548 b) other loans and advances 55 824 241 40 203 431 c) loans 84 057 416 89 573 990 d) impairment on loans and advances. net of reversals – 27 330 – 30 013 141 534 624 131 406 956 4. Loans and advances to customers a) other loans and advances 193 070 235 061 b) loans 345 587 245 347 280 539 c) impairment on loans and advances, net of reversals - 659 937 - 537 622 345 120 378 346 977 978 5. Debt securities including fixed-income securities a) issued by public bodies 5 183 067 4 799 445 b) issued by other borrowers 6 457 716 6 789 306 11 640 783 11 588 751 6. Shares and other variable-yield securities 21 710 148 21 732 963 7. Derivative assets 23 617 760 30 456 775 8. Property, furniture and equipment 519 434 493 953 9. Intangible assets 151 473 130 651 10. Other assets 514 123 458 920 11. Subscribed capital and reserves, called but not paid 0 162 774 12. Prepayments 350 380 306 436 13. Assets held for sale 0 115 859 TOTAL ASSETS 598 174 038 582 146 731 LIABILITIES AND EQUITY 30.06.2025 (Unaudited) 31.12.2024 1. Amounts owed to credit institutions a) repayable on demand 254 778 750 387 b) with agreed maturity or periods of notice 2 143 067 107 298 2 397 845 857 685 2. Amounts owed to customers a) repayable on demand 3 043 153 3 090 263 b) with agreed maturity or periods of notice 3 673 144 120 508 6 716 297 3 210 771 3. Debts evidenced by certificates a) debt securities in issue 445 084 705 433 990 524 b) others 7 853 965 8 070 213 452 938 670 442 060 737 4. Derivative liabilities 29 487 975 30 173 347 5. Other liabilities 5 123 345 5 004 934 6. Deferred income 737 173 752 055 7. Provisions a) pension plans and health insurance scheme 6 418 284 6 702 429 b) provisions for guarantees issued and commitments 121 324 74 391 6 539 608 6 776 820 TOTAL LIABILITIES 503 940 913 488 836 349 8. Capital a) subscribed 248 795 607 248 795 607 b) uncalled - 226 604 892 - 226 604 892 22 190 715 22 190 715 9. Reserves reserve fund 24 879 561 24 879 561 additional reserves 27 469 426 24 820 946 c) fair value reserve 1 098 184 1 277 500 d) special activities reserve 14 015 155 12 665 555 e) general loan reserve 2 495 377 2 281 423 69 957 703 65 924 985 10. Profit for the financial period/year 614 431 3 748 803 Total equity attributable to the equity holders of the Bank 92 762 849 91 864 503 11. Non-controlling interests 1 470 276 1 445 879 TOTAL EQUITY 94 233 125 93 310 382 TOTAL LIABILITIES AND EQUITY 598 174 038 582 146 731 SEC report as at June 30, 2025 \| 3

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![](ex-xii_04.jpg)

EIB GROUP CONSOLIDATED INCOME STATEMENT FOR THE SIX-MONTH PERIOD ENDED JUNE 30, 2025 UNDER IFRS (in EUR '000) H1 2025 (Unaudited) H1 2024 (Unaudited) 2024 1. Interest and similar income 15 235 400 16 369 722 26 717 813 2. Interest expense and similar charges - 13 727 046 - 14 830 356 - 23 572 724 Net interest income 1 508 354 1 539 366 3 145 089 3. Fee and commission income 356 635 328 424 759 502 4. Fee and commission expense - 152 606 - 165 696 - 315 508 Net fee and commission income 204 029 162 728 443 994 5. Income from shares and other variable-yield securities 341 762 373 551 998 419 6. Result on financial operations - 402 856 - 203 861 904 291 7. Net other operating income and expense 1 352 - 352 170 8. Change in impairment on loans and advances and provisions for guarantees, net of reversals - 237 717 77 633 - 9 931 9. Change in impairment on transferable securities held as financial fixed assets, shares and other variable-yield securities, net of reversals 242 - 1 480 - 1 898 10. General administrative expenses a) staff costs - 569 842 - 549 135 - 1 135 268 b) other administrative expenses - 166 561 - 155 128 - 389 217 - 736 403 - 704 263 - 1 524 485 11. Depreciation and amortisation: property, furniture and equipment and intangible assets a) property, furniture and equipment - 26 757 - 37 049 - 71 744 b) intangible assets - 18 832 - 13 295 - 51 967 - 45 589 - 50 344 - 123 711 12. Profit for the financial period/year 633 174 1 192 978 3 831 938 Attributable to: Non-controlling interests 18 743 31 501 83 135 Equity holders of the Bank 614 431 1 161 477 3 748 803 EIB GROUP CONSOLIDATED STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE SIX-MONTH PERIOD ENDED JUNE 30, 2025 UNDER IFRS (in EUR '000) H1 2025 (Unaudited) H1 2024 (Unaudited) 2024 Profit for the financial period/year 633 174 1 192 978 3 831 938 Other comprehensive income Items that will never be reclassified to profit or loss: Remeasurements of defined benefit liability 482 600 617 770 186 430 Changes in fair value attributable to change in the own credit risk of financial liabilities designated at fair value through profit or loss – fair value reserve - 199 546 - 8 232 319 196 Net gains / losses on investment in equity instruments designated at fair value through other comprehensive income 48 184 40 375 13 326 Items that are or may be reclassified to profit or loss: Changes in fair value attributable to the currency basis spread of hedging derivatives -fair value reserve - 16 758 - 16 554 - 25 075 Changes in fair value attributable to the cash flow hedging derivatives - fair value reserve 4 093 - 1 571 - 518 Total other comprehensive income 318 573 631 788 493 359 Total comprehensive income 951 747 1 824 766 4 325 297 Equity holders of the Bank Non-controlling interests 36 977 47 478 88 682 Equity holders of the Bank 914 770 1 777 288 4 236 615 4 SEC report as at June 30, 2025

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![](ex-xii_05.jpg)

EIB GROUP CONSOLIDATED STATEMENT OF CHANGES IN EQUITY UNDER IFRS (in EUR '000) For the half year ended June 30, 2025 Subscribed capital Uncalled capital Reserve fund Additional reserves Fair value reserve Special activities reserve General loan reserve Result for the period/year before appropriation Total Non- Total controlling consolidated interests equity Balance at December 31, 2024 248 795 607 - 226 604 892 24 879 561 24 820 946 1 277 500 12 665 555 2 281 423 3 748 803 91 864 503 1 445 879 93 310 382 Comprehensive income Profit for the financial period 0 0 0 0 0 0 0 614 431 614 431 18 743 633 174 Other comprehensive income 0 0 0 464 366 - 164 027 0 0 0 300 339 16 234 318 573 Total comprehensive income 0 0 0 464 366 - 164 027 0 0 614 431 914 770 36 977 951 747 Appropriation of prior year's result 0 0 0 2 185 249 0 1 349 600 213 954 - 3 748 803 0 0 Other 0 0 0 - 1 135 - 15 289 0 0 0 0 - 16 424 Transactions with owners of the Group Movement of non-controlling interest subsidiary 0 0 0 0 0 0 0 0 - 12 580 - 12 580 Total transactions with owners of the Group 0 0 0 0 0 0 0 0 - 12 580 - 12 580 Balance at June 30, 2025 (Unaudited) 248 795 607 - 226 604 892 24 879 561 27 469 426 1 098 184 14 015 155 2 495 377 614 431 92 762 849 1 470 276 94 233 125 For the half year ended June 30, 2024 Subscribed capital Uncalled capital Reserve fund Additional reserves Fair value reserve Special activities reserve General loan reserve Result for the period/year before appropriation Total Non- controlling interests Total consolidated equity Balance at December 31, 2023 248 795 607 - 226 604 892 24 879 561 24 257 413 973 274 11 194 601 1 883 372 2 272 050 87 650 986 1 365 468 89 016 454 Comprehensive income Profit for the financial period 0 0 0 0 0 0 0 1 161 477 1 161 477 31 501 1 192 978 Other comprehensive income 0 0 0 601 793 14 018 0 0 0 615 811 15 977 631 788 Total comprehensive income 0 0 0 601 793 14 018 0 0 1 161 477 1 777 288 47 478 1 824 766 Appropriation of prior year's result 0 0 0 403 045 0 1 470 954 398 051 - 2 272 050 0 0 0 Other Transactions with owners of the Group Movement of non-controlling interest subsidiary 0 0 0 0 0 0 - 9 282 0 - 2 672 0 0 0 0 0 0 - 11 II. 0 954 I 0 0 - 11 007 - 11 954 - 11 007 Total transactions with owners of the Group 0 0 0 0 0 0 0 0 0 11 007 - 11 007 Balance at June 30, 2024 (Unaudited) 248 795 607 - 226 604 892 24 879 561 25 252 969 984 620 12 665 555 2 281 423 1 161 477 89 416 320 1 401 939 90 818 259 SEC report as at June 30, 2025 \| 5

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![](ex-xii_06.jpg)

EIB GROUP CONSOLIDATED CASH FLOW STATEMENT FOR PERIOD ENDED JUNE 30, 2025 UNDER IFRS (in EUR '000) A. Cash flows from operating activities: H12025 (Unaudited) H12024 (Unaudited) 2024 Profit for the financial period/year 633 174 1 192 978 3 831 938 Adjustments for: Change in impairment on loans and advances and provisions for guarantees 237 717 - 77 633 9 931 Depreciation and amortisation on property, furniture and equipment and intangible assets, and write-off 45 686 50 344 123 973 Change in impairment on transferable securities held as financial fixed assets, shares and other variable-yield securities - 242 1 480 1 898 Change in fair value adjustment of debt securities - 52 032 11 213 - 66 039 Change in provisions on pension plans and health insurance scheme 118 046 - 7 659 278 441 Unrealised result on loans and associated swaps - 11 101 - 29 559 35 362 Unrealised result on borrowings and associated swaps - 88 382 305 865 83 168 Unrealised result on other derivatives 483 058 - 83 764 - 995 429 Gain from sale of EIF shares 0 - 1 190 0 Net interest income - 1 508 354 - 1 539 366 - 3 145 089 Effect of exchange rate changes - 91 352 15 099 72 772 - 233 782 - 162 192 230 926 Disbursements of loans and advances to credit institutions and customers - 19 954 505 - 21 735 735 - 53 584 105 Repayments of loans and advances to credit institutions and customers 23 219 829 20 789 727 45 339 242 Change in other loans and advances 931 779 -4349912 18 227 061 Change in deposit with Central Bank of Luxembourg to cover minimum reserve requirement - 109 272 - 4 823 105 328 Change in treasury operational portfolios - 12 406 904 - 886 396 3 139 106 Change in amounts owed to credit institutions and customers 5 043 773 - 1 082 321 - 150 020 Payments and annual contributions to pension plans and health insurance scheme during the period/year 39 287 41 085 99 301 Change in interest accrued on cash and cash equivalents 17 837 436 442 454 395 Change in other assets and other liabilities and change in prepayments and accruals - 1 980 442 838 242 - 120 197 Interest received 12 253 569 14 245 879 25 824 029 Interest paid - 10 391 581 - 11 899 349 - 21 835 414 Net cash generated from/(used in) operating activities . 17 729 652 B. Cash flows from investing activities: Securities in Long-Term HQLA Portfolio purchased during the period/year - 2 688 510 - 1 846 135 - 2 521 418 Securities from Long-Term HQLA Portfolio matured or sold during the period/year 90 498 115 000 115 000 Purchase of loan substitutes and ABS portfolio EIF included in the debt securities portfolios - 1 994 230 - 3 147 171 - 5 245 308 Redemption of loan substitutes and ABS portfolio EIF included in the debt securities portfolios 1 692 503 2 507 148 4 451 563 Additions on shares and other variable-yield securities - 1 225 180 - 1 280 882 - 2 856 456 Reflows on shares and other variable-yield securities 724 564 663 037 1 678 515 Purchase of property, furniture and equipment and intangible assets - 98 217 - 68 514 - 187 363 Proceeds from sale of non-current assets held for sale 2 508 0 0 Net cash used in investing activities C. Cash flows from financing activities: Issuance of debts evidenced by certificates 72 630 054 57 529 874 106 720 276 Redemption of debts evidenced by certificates - 48 105 757 - 51 603 323 - 106 488 673 Member States' contribution 159 848 159 850 319 700 Purchase of EIF shares - 3 283 0 0 Sale of EIF shares 0 2 983 2 983 Dividend paid to non-controlling interests - 7 223 - 9 247 - 9 247 Payments of lease liability - 20 865 - 22 151 - 46 759 Net cash generated from financing activities II 6 057 986 Summary statement of cash flows: Cash and cash equivalents at the beginning of financial period/year I. 25 573 322 2M Net cash from/(used in). Operating activities - 3 570 412 - 3 769 353 17 729 652 Investing activities -3496064 -3057517 -4565467 Financing activities 24 652 774 6 057 986 498 280 Effect of exchange rate changes on cash held - 584 223 - 291 764 - 199 694 Cash and cash equivalents at the end of financial period/year Cash and cash equivalents are composed of: Cash in hand, balances with central banks and post office banks, excluding deposits with Central Bank of Luxembourg to cover minimum reserve requirement 9 13 11 Money market securities 439 373 731 322 0 Loans and advances to credit institutions and customers: Repayable on demand 1 680 297 1 241 688 1 659 548 Other loans and advances 53 918 489 22 539 651 37 376 534 6 \| SEC report as at June 30, 2025

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![](ex-xii_07.jpg)

Non-cash changes (in EUR'000) 31.12.2024 Cash flows Exchange adjustments Fair value adjustments Other changes 30.06.2025 (Unaudited) Long-term borrowings (\*) 417 935 761 22 006 660 -14 106 094 2 577 657 0 428 413 984 Lease liability 136 011 - 20 865 - 2 2 929 6 228 111 845 Short-term borrowings (\*) 24 124 976 2 517 636 -2 118 005 79 0 24 524 686 Changes in liabilities arising from financing activities 442 196 748 24 503 431 – 16 224 101 2 580 665 6 228 453 050 515 (\*) Long-term borrowings and short-term borrowings represent the total of "Debts evidenced by certificates" (Note C). Non-cash changes (in EUR'000) 31.12. 2023 Cash flows Exchange adjustments Fair value adjustments Other changes 30.06.2024 (Unaudited) Long-term borrowings (\*) 406 97 4 453 6 690 985 3 681 280 -3 654 590 0 413 692 128 Lease liability 126 3 41 – 22 151 20 893 1 398 7 902 134 383 Short-term borrowings (\*) 24 770 582 - 764 433 319 003 0 0 24 325 152 Changes in liabilities arising from financing activities 431 871 376 5 904 401 4 021 176 - 3 653 192 7 902 438 151 663 (\*) Long-term borrowings and short-term borrowings represent the total of "Debts evidenced by certificates". Non-cash changes (In EUR'000) 31.12.2023 Cash flows Exchange adjustments Fair value adjustments Other changes 31.12.2024 Long-term borrowings (\*) 406 974 453 1 591 893 7 084 377 2 285 038 0 417 935 761 Lease liability 126 341 - 46 759 - 20 880 5 002 72 307 136 011 Short-term borrowings (\*) 24 770 582 -1 360 291 716 211 - 1 526 0 24 124 976 Changes in liabilities arising from financing activities 431 871 376 184 843 7 779 708 2 288 514 72 307 442 196 748 SEC report as at June 30, 2025 \| 7

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![](ex-xii_08.jpg)

NOTES TO THE UNAUDITED CONDENSED CONSOLIDATED INTERIM FINANCIAL STATEMENTS UNDER IFRS NOTE A Basis of presentation The unaudited condensed consolidated financial statements of the European Investment Bank Group (the "Group") as at June 30, 2025 do not include all of the information and footnotes required for complete financial statements, in accordance with IAS 34 Interim Financial Reporting. In the opinion of management, all adjustments, normal recurring accruals and adjustments for the impairment of financial assets considered necessary for a fair presentation have been recorded. The result for the six-month period ended June 30, 2025 is not necessarily indicative of the results that may be expected for the financial year ending December 31, 2025. The audited consolidated financial statements as at and for the financial year ended December 31, 2024 were prepared in accordance with International Financial Reporting Standards as issued by the International Accounting Standards Board ("IASB") and adopted by the European Union (hereafter referred to as "IFRS"). The unaudited condensed consolidated financial statements as at and for the six-month period ended June 30, 2025 have been prepared using the same accounting principles. For further information, refer to the consolidated financial statements and footnotes thereto included in the Group's annual report for the financial year ended December 31, 2024. NOTE B Summary statement of loans (in EUR '000) Analysis of aggregate loans granted (before provisions) as at June 30, 2025 To intermediary credit institutions Directly to final beneficiaries Total - Disbursed portion 84 057 416 345 587 245 429 644 661 - Undisbursed portion 26 591 480 101 695 458 128 286 938 Aggregate loans granted 110 648 896 447 282 703 557 931 599 Analysis of aggregate loans granted (before To intermediary Directly to final provisions) as at December 31, 2024 credit institutions beneficiaries Total - Disbursed portion 89 573 990 347 280 539 436 854 529 - Undisbursed portion 28 991 439 99 028 309 128 019 748 Aggregate loans granted 118 565 429 446 308 848 564 874 277 Despite the general context of uncertainty in the global financial markets, the Group currently continues to maintain a robust liquidity position and flexibility to access the necessary liquidity resources mainly as a result of its prudent approach to liquidity management. Moreover, in general, the quality of the loan portfolio of the European Investment Bank (the "Bank") currently remains high as it relies on a risk management strategy based on adequate levels of security and guarantees, as well as standard protective clauses included in its loan agreements. 8 \| SEC report as at June 30, 2025

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![](ex-xii_09.jpg)

The movements in the Expected Credit Losses ("ECL") have been accounted for as at June 30, 2025 and as at December 31, 2024 as follows: Impairment on disbursed loans (in EUR '000) 30.06.2025 31.12.2024 IFRS 9 Stage To intermediary credit institutions Directly to final beneficiaries Total To intermediary credit institutions Directly to final beneficiaries Total Stage 1 21,238 76,909 98,147 13,889 64,070 77,959 Stage 2 6,068 143,516 149,584 16,119 120,919 137,038 Stage 3 0 439,513 439,513 0 352,633 352,633 Total 27,306 659,938 687,244 30,008 537,622 567,630 Impairment on undisbursed loans (in EUR '000) 30.06.2025 31.12.2024 IFRS 9 Stage To intermediary credit institutions Directly to final beneficiaries Total To intermediary credit institutions Directly to final beneficiaries Total Stage 1 7,229 13,355 20,584 12,126 14,185 26,311 Stage 2 2,920 49,376 52,296 1,947 23,607 25,554 Stage 3 0 36,472 36,472 0 13,045 13,045 Total 10,149 99,203 109,352 14,073 50,837 64,910 SEC report as at June 30, 2025 \| 9

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![](ex-xii_10.jpg)

NOTE C Debts evidenced by certificates (in EUR '000) PAYABLE IN OUTSTANDING AT 30.06.2025 (UNAUDITED) AVERAGE RATE (' 30.06.2025 (UNAUDITED) DUE DATES (UNAUDITED) OUTSTANDING AT 31.12.2024 AVERAGE RATE (k 31.12.2024 EUR 270 965 447 1.79 2025/2061 253 981 303 1.68 USD 113 473 776 3.30 2025/2058 115 087 825 3.03 GBP 31 870 796 3.92 2025/2054 37 075 272 3.79 PLN 9 161 304 3.45 2025/2043 9 254 971 3.63 AUD 8 687 044 3.12 2025/2040 8 670 109 3.00 SEK 3 946 082 2.21 2026/2040 4 667 510 1.98 NOK 2 720 859 3.85 2025/2037 2 051 717 3.32 CHF 2 595 164 2.01 2025/2037 3 039 264 2.06 CAD 1 988 375 2.91 2028/2045 3 298 087 2.43 ZAR 1 812 558 7.76 2025/2035 1 848 151 7.80 JPY 994 231 2.23 2026/2053 1 036 349 2.24 DKK 646 591 0.13 2026/2031 700 495 0.53 INR 527 046 7.07 2029/2035 179 910 7.15 MXN 466 276 6.86 2027/2033 686 762 7.14 NZD 374 987 3.27 2027/2028 391 215 3.27 CNY 321 543 2.68 2025/2026 412 749 2.77 CZK 196 183 3.84 2026/2034 202 690 3.95 BRL 138 711 11.40 2027/2035 54 472 9.25 HKD 129 346 2.64 2025/2030 85 517 2.47 HUF 37 519 11.50 2025/2025 36 465 11.50 EGP 34 440 15.75 2026/2027 37 958 15.75 RUB 20 515 4.25 2026/2026 16 554 4.25 RON 20 282 2.23 2026/2026 20 706 2.23 TRY 12 825 10.65 2026/2027 15 636 10.67 GEL 9 984 8.70 2028/2028 - - Fair value adjustment on borrowings 1 786 786 - 790 950 TOTAL 452 938 670 442 060 737 Weighted average interest rates at the balance sheet date. The principal and interest of certain structured borrowings are linked to stock exchange indexes (historical value: EUR 500m at June 30, 2025 and EUR 500m in 2024). All such borrowings are hedged in full through structured swap operations. NOTE D Commitment to purchase the remaining European Investment Fund ("EIF") shares at a fixed price As at June 30, 2025, the Bank held 59.78% of the EIF's subscribed capital (59.72% as at December 31, 2024). Under the terms of the replacement share purchase undertaking ('RSPU'), the Bank was offering to buy the remaining subscribed shares from the EIF's minority shareholders, other than the ones subscribed by the European Commission ('EC'), for a price of EUR 656,648.78 per share as at June 30, 2025. The latter corresponds to the part of each share in the called capital of EIF, increased by the share premium account, the statutory reserves, the retained earnings, the fair value reserve and the profit of the year, net of the dividend decided by the EIF's General Meeting. The agreed formula is being applied to the approved and audited annual accounts of the EIF for the financial year in which the option is exercised. 10 \| SEC report as at June 30, 2025

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![](ex-xii_11.jpg)

NOTE E Commitments, contingent liabilities and other memorandum items (in EUR '000) Contingent liabilities and guarantees: 30.06.2025 (Unaudited) 31.12.2024 - In respect of loans granted by third parties 32 476 227 32 210 054 Commitments: - EBRD capital uncalled 712 630 712 630 - Undisbursed loans credit institutions 26 591 480 28 991 439 customers 101 695 458 99 028 309 128 286 938 128 019 748 - Undisbursed private equity and venture capital operations 6 438 926 6 192 669 - Undisbursed investment and infrastructure funds 3 427 145 3 887 979 - Undisbursed other investments 2 447 391 2 314 416 - Borrowings launched but not yet settled 1 406 901 223 950 - Securities receivable 435 188 0 - Securities payable 23 532 0 Assets held on behalf of third parties: - Innovation Fund 12 790 409 11 393 044 - Modernisation fund 9 174 235 6 000 039 - Investment Facility Cotonou 3 601 325 3 979 538 - InnovFin 2 103 606 2 086 964 - RRF-FI 2 084 915 1 900 524 - InvestEU 1 644 668 1 639 158 - NER300 1 094 259 1 073 205 - CEF 835 023 867 827 - Partnership Platform for Funds 794 973 735 178 - Pan-European Guarantee Fund 761 568 708 382 ESIF 693 210 704 920 - Decentralised Financial Instruments 548 772 260 061 - COSME LGF & EFG 395 338 419 431 - Trust accounts with ETCI 377 056 532 824 - SME initiative Italy 361 710 369 229 - EU-Africa Infrastructure Trust Fund 340 057 346 729 - REG 331 016 331 869 - JEREMIE 296 467 294 386 - SME initiative Romania 257 237 260 904 - ACP TF EC Compartment 200 766 201 751 - HDW POLIO IG 185 270 0 - European Fund for Strategic Investments (`EFSI EIF') 142 528 147 883 - EU for Ukraine Fund 125 423 118 068 - Special Section 91 360 99 454 - InnovFin SME Guarantee 78 398 66 619 - GIF 2007 74 927 63 918 - InnovFin Equity 72 825 45 142 - EaSI 71 790 72 693 - NPI 71 553 73 434 - Private Finance for Energy Efficiency Instrument 59 580 59 009 - SME initiative Bulgaria 57 270 57 380 - SMEG 2007 56 564 56 076 - SME initiative Finland 52 621 53 482 - DCFTA 51 806 52 488 - NIF Risk Capital Facility 47 370 49 746 - GF Greece 45 658 45 143 - Cultural Creative Sectors Guarantee Facility 43 362 51 096 ENPI 41 426 45 739 - InvestEU Advisory Hub 40 836 43 177 - WB EDIF 35 554 38 282 SEC report as at June 30, 2025 \| 11

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NOTE E Commitments, contingent liabilities and other memorandum items (in EUR '000) (continued) 30.06.2025 31.12.2024 (Unaudited) -IPA II 34 330 38 015 - GAGF 29 306 29 232 - GCFF Jordan Private Sector Guarantee Facility 28 542 31 894 - SME initiative Malta 27 585 27 265 - Bundesministerium fur Wirtschaft and Technologie 27 564 57 474 - FEMIP Trust Fund 26 242 24 736 - IW4 26 171 26 132 - AECID 23 526 28 386 - EU Support to BoostAfrica 21 387 31 357 - NIF Trust Fund 19 984 26 212 - JESSICA (Holding Funds) 19 753 21 417 - EPTA Trust Fund 17 563 18 051 - TTA Turkiye 17 530 13 513 - MAP guarantee 16 050 15 876 - RSFF (incl. RSI) 14 020 14 783 - SME initiative Spain 13 074 12 688 - MAP Equity 11 993 5 855 - German Future Fund Growth Facility 10 305 28 101 - EFSI-EIAH 9 681 26 951 - Natural Capital Financing Facility 8 103 11 926 - BIF 7 928 13 969 - DESIREE 6 031 6 103 - EPIC 4 498 1 222 - AGRI 4 161 4 908 - FoF mandates (virtual) 3 647 902 - KBC Climate & Infrastructure Private Investors Partnership 3 476 1 511 - GEEREF 3 406 3 373 - MDD 3 387 847 - Student Loan Guarantee Facility 2 750 2 730 - German Corona Matching Facility (CMF) 2 671 1 009 -Alp GIP 2 279 2 408 - PGFF 2 088 6 104 - EFSD GUARANTEE "ACCESS TO FINANCE INITIATIVE" 1 729 869 - fi-compass 1 560 3 054 - GEF-UNEP 1 109 1 434 - European Technology Facility 1 049 1 048 - Central Europe FoF 1 006 2 586 - LFA-EIF Facility 1 004 195 - EU Trade and Competitiveness Program 616 704 - G43 Trust Fund 287 287 - EU4Business Guarantee Facility 238 259 - TTP 203 203 - AIP Zambia 178 218 - AIP Kulima 172 215 - TARGET 81 790 - GGF 7 7 - JASPERS 0 6 789 40 591 001 35 898 400 Other items: - Notional value of interest-rate swaps 692 774 078 655 792 698 - Notional value of currency swap contracts payable 219 966 617 229 644 516 - Notional value of currency swap contracts receivable 214 633 093 232 980 366 - Notional amount of futures contracts 46 683 833 33 351 527 - Notional value of short-term currency swap contracts payable 29 299 185 19 500 940 - Notional value of short-term currency swap contracts receivable 28 865 850 19 687 736 - Special deposits for servicing of borrowings 89 889 535 - Currency swaps launched but not yet settled payable 50 643 144 845 - Currency swaps launched but not yet settled receivable 50 448 145 049 12 \| SEC report as at June 30, 2025

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EIB GROUP - EU ACCOUNTING DIRECTIVES TO IFRS RECONCILIATION CONSOLIDATED BALANCE SHEET AS AT JUNE 30, 2025 (in EUR '000) ASSETS EU Accounting Directives 30.06.2025 (Unaudited) Adjustment Impact Ref. IFRS 30.06.2025 (Unaudited) 1. Cash in hand, balances with central banks and post office banks 213 948 0 213 948 2. Treasury bills and other bills eligible for refinancing with central banks 52 676 021 124 966 A.1,13.1, C 52 800 987 3. Loans and advances to credit institutions a) repayable on demand 1 680 297 0 1 680 297 b) other loans and advances 55 770 737 53 504 A.2, B.4 55 824 241 c) loans 84 018 816 38 600 A.2, B.4 84 057 416 d) impairment on loans and advances, net of reversals 0 - 27 330 C - 27 330 141 469 850 141 534 624 4. Loans and advances to customers a) other loans and advances 192 996 74 A.2, B.4 193 070 b) loans 345 648 459 - 61 214 A.2, B.4 345 587 245 c) impairment on loans and advances, net of reversals - 683 576 23 639 C - 659 937 345 157 879 345 120 378 5. Debt securities including fixed-income securities a) issued by public bodies 5 160 829 22 238 A.l, B.1, C 5 183 067 b) issued by other borrowers 6 448 342 9 374 A.1, B.1 C 6 457 716 11 609 171 11 640 783 6. Shares and other variable-yield securities 12 617 279 9 092 869 B.2, B.3 21 710 148 7. Participating interests 532 750 - 532 750 B.3 0 8. Derivative assets 23 617 760 B.5 23 617 760 9. Property, furniture and equipment 394 889 124 545 G 519 434 10. Intangible assets 151 473 0 151 473 11. Other assets 388 872 125 251 B.5, H 514 123 12. Prepayments 13 704 958 - 13 354 578 A.l, A.2, A.4, B.1, B.4, B.5 350 380 TOTAL ASSETS 578 917 090 598 174 038 EU Accounting Directives 30.06.2025 (Unaudited) Adjustment Impact Ref. IFRS 30.06.2025 (Unaudited) LIABILITIES AND EQUITY Liabilities 1. Amounts owed to credit institutions a) repayable on demand 254 778 0 254 778 b) with agreed maturity or periods of notice 2 141 827 1 240 A.3 2 143 067 2 396 605 2 397 845 2. Amounts owed to customers a) repayable on demand 3 043 153 3 043 153 b) with agreed maturity or periods of notice 3 672 338 806 A.3 3 673 144 6 715 491 6 716 297 3. Debts evidenced by certificates a) debt securities in issue 444 420 548 664 157 A.4 445 084 705 b) others 6 731 336 1 122 629 A.4 7 853 965 451 151 884 452 938 670 4. Derivative liabilities 29 487 975 B.5 29 487 975 5. Other liabilities 4 223 547 899 798 A.2, B.5, E, G, H 5 123 345 6. Deferred income 21 174 519 - 20 437 346 Al, A.2, A.3, A.4, B.1, B.4, B.5, F 737 173 7. Provisions a) pension plans and health insurance scheme 5 666 559 751 725 D 6 418 284 b) provisions for guarantees issued and commitments 83 067 38 257 C 121 324 5 749 626 6 539 608 503 940 913 TOTAL LIABILITIES Equity 8. Capital a) subscribed 248 795 607 0 248 795 607 b) uncalled - 226 604 892 0 - 226 604 892 22 190 715 22 190 715 9. Consolidated reserves a) reserve fund 24 879 561 0 24 879 561 b) additional reserves 20 963 148 6 506 278 A-H 27 469 426 c) fair value reserve 1 098 184 A.4, B.2, B.5 1 098 184 d) special activities reserve 14 015 155 0 14 015 155 e) general loan reserve 2 495 377 0 2 495 377 62 353 241 69 957 703 10. Profit for the financial period 1 230 858 - 616 427 A-I 614 431 11. Non-controlling interests 1 730 604 - 260 328 E 1 470 276 TOTAL EQUITY 94 233 125 TOTAL LIABILITIES AND EQUITY 578 917 090 598 174 038 SEC report as at June 30, 2025 \| 13

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EIB GROUP - EU ACCOUNTING DIRECTIVES TO IFRS RECONCILIATION Consolidated income statement for the six-month period ended June 30, 2025 (in EUR '000) EU Accounting Directives Adjustment IFRS H1 2025 H1 2025 (Unaudited) Impact Ref. (Unaudited) 1. Interest and similar income 15 768 649 - 533 249 A.1, A.2, B.1. B.4, B.5 15 235 400 2. Interest expense and similar charges -14 000 966 273 920 A.4, B.5, D, E, G, I -13727046 Net interest income 1 508 354 3. Fee and commission Income 354 208 2 427 F 356 635 4. Fee and commission expense - 152 606 0 - 152 606 Net fee and commission Income 204 029 5. Income from shares and other variable-yield securities 341 762 0 341 762 6. Result on financial operations - 49 209 - 353 647 A.1, A.2, A.4, B.1, B.2, 13.3, B.4, 8.5, G, H - 402 856 7. Net other operating Income and expense 1 352 0 1 352 8. Change in impairment on loans and advances and provisions for guarantees, net of reversals - 207 680 - 30 037 C, H - 237 717 9. Change In Impairment on transferable securities held as financial fixed assets, shares and other variable-yield securities, net of reversals - 15 442 15 684 C, B.3 242 10. General administrative expenses a) staff costs - 549 454 - 20 388 - 569 842 b) other administrative expenses - 187 425 20 864 - 166 561 - 736 879 - 736 403 11. Depreciation and amortisation: property, furniture and equipment and intangible assets property, furniture and equipment - 13 421 - 13 336 - 26 757 intangible assets - 18 832 0 - 18 832 - 32 253 - 45 589 12. Profit for the financial period 1 270 936 633 174 Attributable to: Non-controlling interests 40 078 - 21 335 E 18 743 Equity holders of the Bank 1 230 858 614 431 14 \| SEC report as at June 30, 2025

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Valuation and income recognition differences between IFRS and EU Accounting Directives A Financial assets and liabilities designated at fair value through profit or loss or carried at amortised cost (including hedge accounting) 1 Debt securities portfolio Under EU Accounting Directives, debt securities portfolios are recorded at purchase price and measured at amortised cost (with the exception of the Securities Liquidity Portfolio). Accrued interest is recorded under consolidated balance sheet item "Prepayments and accrued income". Accrued retrocessions and up-front fees are recorded under consolidated balance sheet item "Accruals and deferred income". Under IFRS, the Group applies fair value hedge accounting for eligible hedged debt securities. The carrying amount of these securities is adjusted for the fair value attributable to the risk being hedged. Economically hedged debt securities that cannot be included in hedge accounting are designated irrevocably on initial recognition to the fair value option and are measured at fair value through profit or loss. Accrued interest less accrued retrocessions and unamortized up-front fees are reported on the consolidated balance sheet within the balance of the instrument to which it relates. In case of debt securities classified at amortised cost, the difference between the entry price and the redemption value is amortised in accordance with the effective interest rate method over the remaining life of the securities under "Interest receivable and similar income". Changes in fair value and hedge fair values of hedged debt securities are recognised in the consolidated income statement under "Result on financial operations". 2 Loans and advances Under EU Accounting Directives, all loans and advances are carried at amortised cost. Accrued interest is recorded under consolidated balance sheet items "Prepayments and accrued income" or "Accruals and deferred income". The up-front fees on loans are amortised and recognised in the consolidated profit and loss account under "Interest receivable and similar income". Under IFRS, the Group applies fair value hedge accounting (FVH) and cash flow hedge accounting (CFH) to eligible hedged loans. The carrying amount of the loans that are in FVH relationship is adjusted for the fair value attributable to the risk being hedged. Economically hedged loans that cannot be included in hedge accounting are designated irrevocably on initial recognition to the fair value option and are measured at fair value through profit or loss (FVTPL). Changes in fair value of FVTPL loans and in hedge fair value for those in FVH relationship are recognised in the consolidated income statement under "Result on financial operations". Accrued interest is reported on the consolidated balance sheet within the balance of the asset to which it relates. Accrued interest on loans and advances, which are credit impaired, are reversed under "Interest receivable and similar income". Under IFRS the up-front fees on loans: are recognised immediately under "Result on financial operations" in the consolidated income statement for the loans that are designated to the fair value option; are amortised over the maturity of the loan and recognised in consolidated balance sheet under "Loans and advances to credit institutions and customers" for the loans that are designated to fair value hedge accounting and/or amortised cost. Under IFRS, a substantial contractual modification on the cash flows of a financial asset measured at amortised cost leads to the recording of the new financial asset at its fair value, and the recording of the net modification gain or loss impact in the consolidated income statement under "Result on financial operations". Transitory accounts on loans are reclassified from "Other liabilities" to the loan balance to which they relate. 3 Amounts owed to credit institutions and to customers Under EU Accounting Directives, "Amounts owed to credit institutions and to customers" is presented in the consolidated balance sheet at redemption amounts. Interest on amounts owed to credit institutions and to customers is recorded in the consolidated profit and loss account on an accrual basis as "Interest payable and similar charges" or "Interest receivable and similar income" if interest is negative. Accrued interest is included in "Accruals and deferred income". Under IFRS, "Amounts owed to credit institutions and to customers" are presented in the consolidated balance sheet at amortised cost. Interest on amounts owed to credit institutions and to customers is recorded in the consolidated income statement as "Interest expense and similar charges" or "Interest and similar income" using the effective interest method. Accrued interest is reported on the consolidated balance sheet within the balance of the instrument to which it relates. 4 Debts evidenced by certificates Under EU Accounting Directives, debts evidenced by certificates are recorded at amortised cost. Accrued interest is recorded under consolidated balance sheet item "Accruals and deferred income". Issuance fees and redemption premiums or discounts, which are recorded under "Prepayments and accrued income" or "Accruals and SEC report as at June 30, 2025 \| 15

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deferred income", are amortised on a straight-line basis and subsequently recognised in the consolidated profit and loss account under "Interest payable and similar charges". Under IFRS, the Group applies fair value hedge accounting to a significant portion of its hedged issued debt whenever these are eligible. The carrying amount of these debts evidenced by certificates is adjusted for the fair value attributable to the risk being hedged. Economically hedged debts evidenced by certificates that cannot be included in hedge accounting are designated irrevocably on initial recognition to the fair value option and measured at fair value through profit or loss (FVTPL). Changes in fair value of FVTPL debt evidenced by certificates and in hedge fair values of those under fair value hedge accounting, are recognised in the consolidated income statement under "Result on financial operations". Accrued interest is reported on the consolidated balance sheet within the balance of the debt instrument to which it relates. Issuance fees and redemption premiums or discounts are reported on the consolidated balance sheet within the caption of the instrument to which they relate and are amortised over the period to maturity of the related debts evidenced by certificates using the effective interest method, unless those debts evidenced by certificates are measured at fair value through profit or loss, in which case the issuance fees, premiums/discounts and redemption premiums are recognised immediately in the consolidated income statement under "Result on financial operations". For debts evidenced by certificates designated to the fair value option, own credit adjustment ("OCA"), reflecting own credit risk as per IFRS 13, is calculated and the respective changes are recorded in "Other comprehensive income" ("OCI") in the "Fair value reserve". Under IFRS, the Group has one transaction that meets the offsetting of financial assets and financial liabilities criteria. B Financial assets and liabilities classified mandatorily at fair value through profit or loss or designated at fair value through other comprehensive income 1 Debt securities portfolio Under EU Accounting Directives, debt securities portfolios, with the exception of the Securities Liquidity Portfolio, are recorded at purchase price and measured at amortised cost. Securities Liquidity Portfolio debt securities are carried at fair value. Changes in fair value are reflected directly in consolidated income statement under "Result on financial operations". Accrued interest is recorded under consolidated balance sheet items "Prepayments and accrued income" and "Accruals and deferred income". Under IFRS, some debt securities are not eligible for amortised cost and consequently must be carried at fair value with changes in fair value reflected directly in profit or loss. Changes in fair value of these debt securities are recognised in the consolidated income statement under "Result on financial operations". Accrued interest is reported on the consolidated balance sheet within the balance of the instrument to which they relate, while any related fees are recognised immediately under "Result on financial operations" in the consolidated income statement. 2 Shares and other variable-yield securities Under EU Accounting Directives, shares and other variable-yield securities are initially recorded at acquisition cost reduced by any reflow resulting from repayments. Their carrying value is subsequently adjusted to the lower of cost or market value at each balance sheet date. Respective value adjustments are recorded under "Result on financial operations". Under IFRS, shares and other variable-yield securities are carried at fair value with changes in fair value reflected directly in the consolidated income statement under "Result on financial operations", except of the investment in European Bank for Reconstruction and Development ("EBRD") whose fair value changes are reflected in OCI under "Fair value reserve". 3 Participating interests Under EU Accounting Directive, "Participating interests" are accounted for using the equity method as defined under EU-AD based on methods consistent with the Group's accounting policies. Respective value adjustments are recorded under "Value (re-)adjustments in respect of transferable securities held as financial fixed assets and participating interests". Under IFRS, participating interests are included within "Shares and other variable-yield securities" and respective fair value adjustments are recorded in "Result on financial operations". 4 Loans and advances Under EU Accounting Directives, all loans and advances are carried at amortised cost. Accrued interest is recorded under consolidated balance sheet items "Prepayments and accrued income" or "Accruals and deferred income". The up-front fees on loans are amortised and recognised in the consolidated profit and loss account under "Interest receivable and similar income". 16 \| SEC report as at June 30, 2025

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Under IFRS, loans that are not eligible for amortised cost, are classified as measured at fair value through profit or loss. The up-front fees on these loans are recognised at inception under "Result on financial operations" in the consolidated income statement. Changes in fair value of loans are recognised in the consolidated income statement under "Result on financial operations". 5 Derivative assets and liabilities a Treasury derivatives Under EU Accounting Directives, derivative instruments in the Securities Liquidity Portfolio are marked to market and recorded under "Other assets" or "Other liabilities". Interest accrued under derivative instruments is presented under "Prepayments and accrued income" or "Accruals and deferred income". Under IFRS, all derivative assets and derivative liabilities are recognised on the consolidated balance sheet and measured at fair value through profit or loss. Accrued interest is reported on the consolidated balance sheet within the balance of the instrument to which it relates. Credit valuation adjustment ("CVA"), Debit valuation adjustment ("DVA") and Collateral Value adjustment ("CollVA") are included in the fair valuation of derivatives. Changes in fair value of derivatives are recognised in the consolidated income statement under "Result on financial operations". b Derivatives and hedging activities Under EU Accounting Directives, hedging derivative instruments are not recognised on balance sheet. They are reported off balance sheet at nominal amount. Interest accrued under derivative instruments is presented under "Prepayments and accrued income" or "Accruals and deferred income". Up-front fees, redemption premiums or premiums/discounts are amortised over the period to maturity of the related derivatives under "Interest payable and similar charges". In case of currency swaps, the revaluation of the spot leg of a currency swap is neutralised in "Accruals and deferred income" or "Prepayments and accrued income". Under IFRS, all derivative assets and derivative liabilities are recognised on balance sheet and measured at fair value through profit or loss. Accrued interest is reported on the consolidated balance sheet within the balance of the instrument to which it relates. CVA, DVA and CollVA are included in the fair valuation of derivatives. Changes in fair value of derivatives are recognised in the consolidated income statement under "Result on financial operations". The amortisation of premiums and discounts of FX swaps and FX forwards are recorded under "Result on financial operations". For derivatives used in fair value hedge accounting (FVH), the gain or loss of the designated part of the hedging instrument is recognised in the consolidated income statement. In addition, the Group separates the fair value of the foreign currency basis spread ("CBS") from the hedging instruments and applies a dedicated accounting treatment. The initial CBS amount, measured at the date of designation, is recorded under OCI and is amortised linearly over the residual lifetime of the hedge in the consolidated income statement. Subsequent changes in the fair value of the CBS are recognised directly in OCI. For derivatives used in cash flow hedge accounting (CFH), the gain or loss on the effective portion of the hedging instrument is recognised under OCI. When cash flows relating to the hedged items (e.g. interest income) are reported in the income statement, amounts in OCI are reclassified to the consolidated income statement. For derivatives used in fair value hedge accounting, up-front fees or redemption premiums are amortised over the period to maturity of the related derivative using the effective interest method under "Interest payable and similar charges", unless these derivatives are not designated to hedge accounting, in which case they are recognised immediately under "Result on financial operations". Under IFRS, the Group has two transactions that meet the offsetting of financial assets and financial liabilities criteria. C Impairment of financial assets measured at amortised cost and loan commitments Under EU Accounting Directives, value adjustments on loans and advances are recorded where: (i) there is a risk of non-recovery of all or part of their amounts, or (ii) to capture loans in the portfolio which are impaired but have not yet been identified as such or for losses which have been incurred but not yet reported. These value adjustments are accounted for in the consolidated profit and loss account as "Value (re-)adjustments in respect of loans and advances and provisions for contingent liabilities" and are deducted from the appropriate asset items on the consolidated balance sheet. Value adjustments for debt securities are recorded, if these are other than temporary, or to capture debt securities which are impaired but have not yet been identified as such or for losses which have been incurred but not yet reported. These value adjustments are accounted for in the consolidated profit and loss account under "Value (re-)adjustments in respect of transferable securities held as financial fixed assets and participating interests" and are deducted from the appropriate asset items on the consolidated balance sheet. Under IFRS, the Group is required to recognise a loss allowance for all loans and advances, and debt securities measured at amortised cost as well as for off-balance sheet loan commitments. This allowance is based on either lifetime Expected Credit Loss ("ECL"), if there has been a significant increase in credit risk since initial recognition or the instrument is considered as being credit-impaired or otherwise on 12-months ECL. SEC report as at June 30, 2025 \| 17

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Depending on the nature of the financial instrument, the ECL allowances are deducted from the appropriate asset items on the consolidated balance sheet. For off-balance sheet items, a provision for credit loss is reported under "Provisions b) provisions for guarantees issued and commitments". Changes in the ECL allowances are recorded in the consolidated income statement either under: "Change in impairment on loans and advances and provisions for guarantees, net of reversals" for loans and loan commitments or; "Change in impairment on transferable securities held as financial fixed assets, shares and other variable - yield securities, net of reversals" for debt securities. D Pension funds Under EU Accounting Directives, the 10% corridor approach is adopted, whereby cumulative current year actuarial gains or losses in excess of 10% of the commitments for retirement benefits are recognised over a period of 7 years on a straight-line basis in "General administrative expenses a) staff costs". Under IFRS, the Group applies IAS 19 revised for determining the income or expense related to its post-employment defined benefit plans. Cumulative actuarial surpluses and deficits are recognised in full in OCI under "Additional reserves". Adjustments to staff costs are recognised under "General administrative expenses a) staff costs" and adjustments to interest cost under "Interest expense and similar charges". E Non-controlling interests adjustment The Bank and the European Investment Fund (the "EIF") together are defined as the Group. The Bank granted a put option to the minority shareholders, other than EC, on their entire holding of its subsidiary, the EIF. Under EU Accounting Directives, the non-controlling interests are recorded separately in the consolidated balance sheet under "Equity attributable to minority interest" while the put option is recorded in the consolidated off-balance sheet of the Group. Under IFRS, the non-controlling interests are reclassified and a corresponding financial liability in the amount of the fair value of the option's exercise price is recognised under "Other liabilities" and attributed to equity holders of the Bank. Subsequently, this financial liability is measured in accordance with IFRS 9, i.e. any changes in the fair value of the financial liability subsequent to the acquisition date are recognised in the consolidated income statement under "Interest expense and similar charges". Any excess or deficit of non-controlling interests over the agreed price is reversed to "consolidated reserves". F Fee and commission income The Group recognises under EU Accounting Directives and IFRS fee and commission income from revenues that are satisfied over time on an accrual basis over the service period. Fee and commission income earned from providing or fulfilling point-in-time services (e.g. performance-linked) is recognised when the service has been completed. For certain mandates, the Group has established a deferred income policy in order to address the misalignment between the receipt of income and the services/cost incurred by the Group during the lifetime of the respective mandate. Corresponding adjustments are recorded in the consolidated balance sheet under "Deferred income" and released against "Fee and commission income". Under EU Accounting Directives, this deferral mechanism is only applied prospectively over time, i.e. recognising deferred revenue of the financial year, while under IFRS, the Group used the modified retrospective approach, i.e. recognising the cumulative impact at transition to IFRS 15 in equity. This resulted in a different stock of deferred income and corresponding amounts of revenue to be recorded over the individual years. G Leases Under EU Accounting Directives, the rental charges are recorded under "General administrative expenses b) other administrative expenses". In accordance with IFRS 16, the Group assesses whether a contract is a lease or not. In the case of lease, the Group recognises a right-of-use asset and a lease liability, except for those that are covered by the recognition exemptions (short-term leased assets and low value leased assets based on their original value, when new). The above-mentioned right-of-use assets are recognised under "Property, furniture and equipment" and corresponding lease liability is recognised under "Other liabilities". 18 \| SEC report as at June 30, 2025

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Subsequently, the Group carries the right-of-use asset applying a cost model, depreciating the right-of-use asset from the commencement date to the end of the lease agreements and assessing for any impairment, on an annual basis. The depreciation for the right-of-use assets is recorded under "Depreciation and amortisation: property, furniture and equipment and intangible assets a) property, furniture and equipment". The lease liability carrying amount is adjusted to reflect the lease payments made and interest from unwind of lease liability, with further re-measurements to reflect any reassessment or lease modifications. The interest from unwind of lease liability is recorded in the consolidated income statement under "Interest expense and similar charges". The revaluation result is recorded in the consolidated income statement under "Result on financial operations". H Financial Guarantee Contracts Under EU Accounting Directives, net liabilities from financial guarantees are presented in the consolidated balance sheet under "Provisions b) provision in respect of guarantee operations". Unrealised gains representing the excess of the net present value of expected future premium inflows over the amount of the excepted payment obligations remain unrecognised. Any increase or decrease in the net liability is recognised in the consolidated profit and loss account under "Value (re-)adjustments in respect of loans and advances and provisions for contingent liabilities". Under IFRS, net unrealised gains from financial guarantees are recorded in the consolidated balance sheet under "Other assets" in case the measurement of a financial guarantee contract results in a net asset position. In case the measurement of a financial guarantee contract results in a net liability position, contracts for which the amortised initial NPV is higher than the 12-months ECL or lifetime ECL, are presented under "Other liabilities". Guarantee contracts that are credit-impaired and for which a loss allowance based on lifetime ECL is recognised, are presented under "Provisions for guarantees issued and commitments". Any increase or decrease in the "Other assets" or "Other liabilities" relating to financial guarantees is recognised in the consolidated income statement under "Result on financial operations". Any increase or decrease in the "Provisions for guarantees issued and commitments" relating to financial guarantees other than the settlement of guarantee calls is recognised in the consolidated income statement under "Change in impairment on loans and advances and provisions for guarantees, net of reversals". I Subscribed capital and reserves, called but not paid Under EU Accounting Directives, the caption "Subscribed capital and reserves, called but not paid" contained the future payments from Poland and Romania following their capital increase on March 1, 2020 with the last instalments due June 30, 2025. Under IFRS, these future payments were discounted using a discounted cash flow method. The discounting impact was initially reported under "Interest and similar income" and its amortisation is under "Interest expense and similar charges". SEC report as at June 30, 2025 \| 19

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EIB GROUP CONSOLIDATED BALANCE SHEET AS AT JUNE 30, 2025 UNDER EU ACCOUNTING DIRECTIVES (in EUR '000) ASSETS 1. Cash in hand, balances with central banks and post office banks 30.06.2025 (Unaudited) 213 948 31.12.2024 104 678 LIABILITIES 1. Amounts owed to credit Institutions 30.06.2025 (Unaudited) 31.12.2024 a) repayable on demand 254 778 750 387 2. Treasury bills and other bills eligible for refinancing with central b) with agreed maturity or periods of notice 2 141 827 107 186 banks 52 676 021 38 114 661 2 396 605 857 573 2. Amounts owed to customers 3. Loans and advances to credit institutions a) repayable on demand 3 043 153 3 090 263 a) repayable on demand 1 680 297 1 659 548 b) with agreed maturity or periods of notice 3 672 338 120 487 b) other loans and advances 55 770 737 40 118 741 6 715 491 3 210 750 c) loans 84 018 816 89 491 989 d) value adjustments 0 - 848 3. Debts evidenced by certificates 141 469 850 131 269 430 debt securities in issue 444 420 548 435 965 421 others 6 731 336 6 886 266 4. Loans and advances to customers 451 151 884 442 851 687 a) other loans and advances 192 996 234 816 b) loans 345 648 459 346 773 549 4. Other liabilities 4 223 547 4 259 526 c) value adjustments - 683 576 - 617 456 345 157 879 346 390 909 5. Accruals and deferred income 21 174 519 16 689 029 5. Debt securities Including fixed-Income securities 6. Provisions a) issued by public bodies 5 160 829 4 810 187 a) pension plans and health insurance scheme 5 666 559 5 509 226 b) issued by other borrowers 6 448 342 6 764 523 b) provision in respect of guarantee operations 83 067 86 764 11 609 171 11 574 710 5 749 626 5 595 990 6. Shares and other variable-yield securities 12 617 279 12 161 034 7. Subscribed capital subscribed 248 795 607 248 795 607 uncalled - 226 604 892 - 226 604 892 7. Participating interests 532 750 540 637 22 190 715 22 190 715 8. Reserves a) reserve fund 24 879 561 24 879 561 8. Intangible assets 151 473 130 651 b) additional reserves 20 963 148 19 478 165 c) special activities reserve 14 015 155 12 665 555 d) general loan reserve 2 495 377 2 281 423 9. Tangible assets 394 889 349 844 62 353 241 59 304 704 9. Profit for the financial period/year 1 230 858 3 045 751 10. Other assets 388 872 353 259 10. Equity attributable to minority interest 1 730 604 1 703 976 11. Subscribed capital and reserves, called but not paid 0 159 848 12. Prepayments and accrued Income 13 704 958 18 560 040 TOTAL ASSETS 578 917 090 559 709 701 TOTAL LIABILITIES 578 917 090 559 709 701 20 \| SEC report as at June 30, 2025

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EIB GROUP CONSOLIDATED PROFIT AND LOSS ACCOUNT FOR THE SIX-MONTH PERIOD ENDED JUNE 30, 2025 UNDER EU ACCOUNTING DIRECTIVES (in EUR '000) H1 2025 (Unaudited) H1 2024 (Unaudited) 2024 1. Interest receivable and similar Income 15 768 649 16 792 547 27 447 170 2. Interest payable and similar charges - 14 000 966 - 15 042 160 - 23 874 576 3. Income from securities 341 762 373 551 998 419 4. Commissions receivable 354 208 325 462 753 682 5. Commissions payable - 152 606 - 165 696 - 315 508 6. Net result on financial operations - 49 209 34 996 - 12 998 7. Net other operating income and expense 1 352 - 352 170 8. General administrative expenses staff costs - 549 454 - 526 968 - 1 135 127 other administrative expenses - 187 425 - 177 278 - 435 976 - 736 879 - 704 246 - 1 571 103 9. Value adjustments In respect of tangible and Intangible assets tangible assets - 13 421 - 13 035 - 32 480 intangible assets - 18 832 - 13 295 - 51 967 - 32 253 - 26 330 - 84 447 10. Value (re-)adjustments in respect of loans and advances and - 207 680 26 189 - 190 903 provisions for contingent liabilities 11. Value (re-)adjustments In respect of transferable securities held as financial fixed assets and participating interests - 15 442 1 150 - 6 125 12. Profit for the financial period/year 1 270 936 1 615 111 3 143 781 13. Profit attributable to minority interest 40 078 51 447 98 030 14. Profit attributable to equity holders of the Bank 1 230 858 1 563 664 3 045 751 SEC report as at June 30, 2025 \| 21

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EIB GROUP CONSOLIDATED CASH FLOW STATEMENT FOR THE PERIOD ENDED JUNE 30, 2025 UNDER EU ACCOUNTING DIRECTIVES (in EUR '000) A. Cash flows from operating activities: H1 2025 (Unaudited) H1 2024 (Unaudited) 2024 Profit for the financial period/year 1 270 936 1 615 111 3 143 781 Adjustments for: Value (re-)adjustments in respect of loans and advances and provisions for contingent liabilities 207 680 - 26 189 190 903 Value (re-)adjustments in respect of transferable securities held as financial fixed assets and participating interests 15 442 - 1 150 6 125 Value adjustments in respect of tangible and intangible assets, and write-off 32 350 26 330 84 709 Value (re-)adjustments in respect of shares and other variable-yield securities 49 301 5 254 85 799 Gain from sale of EIF shares 0 - 1 190 0 Change in provisions on pension plans and health insurance scheme 118 046 113 521 278 441 Net interest income - 1 767 683 - 1 750 387 - 3 572 594 Effect of exchange rate changes - 91 352 15 099 72 772 Profitl(Loss) on operating activities - 165 280 - 3 601 289 936 Disbursements of loans and advances to credit institutions and customers - 19 954 505 21 735 735 - 53 584 105 Repayments of loans and advances to credit institutions and customers 23 219 829 20 789 727 45 339 242 Change in other loans and advances 931 779 - 4 349 912 18 227 061 Change in deposit with Central Bank of Luxembourg to cover minimum reserve requirement - 109 272 - 4 823 105 328 Change in treasury operational portfolios - 12 458 936 - 875 183 3 073 067 Change in amounts owed to credit institutions and customers 5 043 773 - 1 082 321 - 150 020 Payments and annual contributions to pension plans and health insurance scheme during the period/year 39 287 41 085 99 301 Change in other assets and other liabilities - 124 185 - 179 264 - 306 065 Change in prepayments and accrued income and in accruals and deferred income - 1 875 755 1 261 993 600 533 Interest received 12 253 569 14 245 879 25 824 029 Interest paid - 10 391 581 - 11 899 349 - 21 835 414 Net cash generated from/(used in) operating activities - 3 591 277 -3 791 504 IMI 17 682 893 B. Cash flows from investing activities: Securities in Long-Term HQLA Portfolio purchased during the period/year - 2 688 510 - 1 846 135 - 2 521 418 Securities from Long-Term HQLA Portfolio matured or sold during the period/year 90 498 115 000 115 000 Purchase of loan substitutes and ABS portfolio EIF included in the debt securities portfolios - 1 994 230 - 3 147 171 - 5 245 308 Redemption of loan substitutes and ABS portfolio EIF included in the debt securities portfolios 1 692 503 2 507 148 4 451 563 Additions on shares and other variable-yield securities - 1 205 385 - 1 225 819 - 2 769 673 Reflows on shares and other variable-yield securities 695 596 648 689 1 649 072 Additions on participating interests - 19 795 - 55 063 - 86 783 Reflows on participating interests 28 968 14 348 29 443 Purchase of tangible and intangible assets - 98 217 - 68 514 - 187 363 Proceeds from sale of non-current assets held for sale 2 508 0 0 Net cash used in investing activities - 3 496 064 -3 057 517 -4 565 467 C. Cash flows from financing activities: Issuance of debts evidenced by certificates 72 630 054 57 529 874 106 720 276 Redemption of debts evidenced by certificates - 48 105 757 - 51 603 323 - 106 488 673 Member States' contribution 159 848 159 850 319 700 Purchase of EIF shares - 3 283 0 0 Sale of EIF shares 0 2 983 2 983 Dividend paid to EIF minority shareholders - 7 223 - 9 247 - 9 247 Net cash generated from financing activities 24 673 639 6 080 137 545 039 Summary statement of cash flows: Cash and cash equivalents at the beginning of financial period/year 39 036 093 25 573 322 25 573 322 Net cash from/(used in): Operating activities - 3 591 277 - 3 791 504 17 682 893 Investing activities - 3 496 064 - 3 057 517 - 4 565 467 Financing activities 24 673 639 6 080 137 545 039 Effect of exchange rate changes on cash held - 584 223 - 291 764 - 199 694 Cash and cash equivalents at the end of financial period/year 56 038 168 24 512 674 39 036 093 Cash and cash equivalents are composed of: Cash in hand, balances with central banks and post office banks, excluding deposits with Central Bank of 9 13 11 Luxembourg to cover minimum reserve requirement Money market securities 439 373 731 322 0 Loans and advances to credit institutions and customers: Repayable on demand 1 680 297 1 241 688 1 659 548 Other loans and advances 53 918 489 22 539 651 37 376 534 56 038 168 24 512 674 39 036 093 22 \| SEC report as at June 30, 2025

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NOTES TO THE UNAUDITED CONDENSED CONSOLIDATED INTERIM FINANCIAL STATEMENTS UNDER EU ACCOUNTING DIRECTIVES NOTE A Basis of presentation The unaudited condensed consolidated financial statements of the European Investment Bank Group (the "Group") as at June 30, 2025 do not include all of the information and footnotes required for complete financial statements. In the opinion of management, all adjustments, normal recurring accruals and value adjustments of financial assets considered necessary for a fair presentation have been recorded. The profit for the six-month period ended June 30, 2025 is not necessarily indicative of the results that may be expected for the financial year ending December 31, 2025. The audited consolidated financial statements as at and for the financial year ended December 31, 2024 were prepared in accordance with the general principles of the Directive 86/635/EEC of the Council of the European Communities of December 8, 1986 on the annual accounts and consolidated accounts of banks and other financial institutions, as amended by Directive 2001/65/EC of September 27, 2001, by Directive 2003/51/EC of June 18, 2003 and by Directive 2006/46/EC of June 14, 2006. The unaudited condensed consolidated financial statements as at and for the period ended June 30, 2025 are based on the same principles. For further information, refer to the consolidated financial statements and footnotes thereto included in the Group's annual report for the financial year ended December 31, 2024. NOTE B Summary statement of loans (in EUR '000) Analysis of aggregate loans granted (before provisions) as at June 30, 2025 - Disbursed portion - Undisbursed portion To intermediary credit institutions Directly to final beneficiaries Total 84 018 816 26 591 480 345 648 459 101 695 458 429 667 275 128 286 938 Aggregate loans granted 110 610 296 447 343 917 557 954 213 Analysis of aggregate loans granted (before To intermediary Directly to final provisions) as at December 31, 2024 credit institutions beneficiaries Total - Disbursed portion 89 491 989 346 773 549 436 265 538 - Undisbursed portion 28 991 439 99 028 309 128 019 748 Aggregate loans granted 118 483 428 445 801 858 564 285 286 Despite the general context of uncertainty in the global financial markets, the Group currently continues to maintain a robust liquidity position and flexibility to access the necessary liquidity resources mainly as a result of its prudent approach to liquidity management. Moreover, in general, the quality of the loan portfolio of the European Investment Bank (the "Bank") currently remains high as it relies on a risk management strategy based on adequate levels of security and guarantees, as well as standard protective clauses included in its loan agreements. SEC report as at June 30, 2025 \| 23

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Value adjustments for potential losses in respect of the Bank's loan portfolio have been accounted for as at June 30, 2025 and as at December 31, 2024 as follows: Value adjustments on loans and advances (in EUR '000) Balance sheet caption Type of value adjustment 30.06.2025 31.12.2024 Loans and advances to credit institutions d) value adjustments Collective 0 0 Specific 0 848 Loans and advances to customers c) value adjustments Collective 0 0 Specific 683,576 617,456 Total value adjustments 683,576 618,304 24 \| SEC report as at June 30, 2025

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NOTE C Debts evidenced by certificates (in EUR '000) PAYABLE IN OUTSTANDING AT 30.06.2025 (UNAUDITED) AVERAGE RATE ':k 30.06.2025 (UNAUDITED) UE DATES (UNAUDITED) OUTSTANDING AT 31.12.2024 AVERAGE RATE (1 31122024 EUR 270 965 447 1.79 2025/2061 253 981 303 1.68 USD 113 473 776 3.30 2025/2058 115 087 825 3.03 GBP 31 870 796 3.92 2025/2054 37 075 272 3.79 PLN 9 161 304 3.45 2025/2043 9 254 971 3.63 AUD 8 687 044 3.12 2025/2040 8 670 109 3.00 SEK 3 946 082 2.21 2026/2040 4 667 510 1.98 NOK 2 720 859 3.85 2025/2037 2 051 717 3.32 CHF 2 595 164 2.01 2025/2037 3 039 264 2.06 CAD 1 988 375 2.91 2028/2045 3 298 087 2.43 ZAR 1 812 558 7.76 2025/2035 1 848 151 7.80 JPY 994 231 2.23 2026/2053 1 036 349 2.24 DKK 646 591 0.13 2026/2031 700 495 0.53 INR 527 046 7.07 2029/2035 179 910 7.15 MXN 466 276 6.86 2027/2033 686 762 7.14 NZD 374 987 3.27 2027/2028 391 215 3.27 CNY 321 543 2.68 2025/2026 412 749 2.77 CZK 196 183 3.84 2026/2034 202 690 3.95 BRL 138 711 11.40 2027/2035 54 472 9.25 HKD 129 346 2.64 2025/2030 85 517 2.47 HUF 37 519 11.50 2025/2025 36 465 11.50 EGP 34 440 15.75 2026/2027 37 958 15.75 RUB 20 515 4.25 2026/2026 16 554 4.25 RON 20 282 2.23 2026/2026 20 706 2.23 TRY 12 825 10.65 2026/2027 15 636 10.67 GEL 9 984 8.70 2028/2028 - TOTAL 451 151 884 442 851 687 Weighted average interest rates at the balance sheet date. The principal and interest of certain structured borrowings are linked to stock exchange indexes (historical value: EUR 500m at June 30, 2025 and EUR 500m in 2024). All such borrowings are hedged in full through structured swap operations. NOTE D Commitment to purchase the remaining European Investment Fund ("EIF") shares at a fixed price As at June 30, 2025, the Bank held 59.78% of the EIF's subscribed capital (59.72% as at December 31, 2024). Under the terms of the replacement share purchase undertaking ('RSPU'), the Bank was offering to buy the remaining subscribed shares from the EIF's minority shareholders, other than the ones subscribed by the European Commission ('EC'), for a price of EUR 656,648.78 per share as at June 30, 2025. The latter corresponds to the part of each share in the called capital of EIF, increased by the share premium account, the statutory reserves, the retained earnings, the fair value reserve and the profit of the year, net of the dividend decided by the EIF's General Meeting. The agreed formula is being applied to the approved and audited annual accounts of the EIF for the financial year in which the option is exercised. SEC report as at June 30, 2025 \| 25

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NOTE E Commitments, contingent liabilities and other memorandum items (in EUR '000) Contingent liabilities and guarantees: 30.06.2025 (Unaudited) 31.12.2024 - In respect of loans granted by third parties 32 476 227 32 210 054 Commitments: - Undisbursed loans - credit institutions 26 591 480 28 991 439 - customers 101 695 458 99 028 309 128 286 938 128 019 748 - Undisbursed shares and other variable-yield securities and participating interests - Undisbursed private equity and venture capital operations 6 438 926 6 192 669 - Undisbursed investment and infrastructure funds 3 427 145 3 887 979 - EBRD capital uncalled 712 630 712 630 - Undisbursed other investments 2 447 391 2 314 416 13 026 092 13 107 694 - Borrowings launched but not yet settled 1 406 901 223 950 - Securities receivable 435 188 0 - Securities payable 23 532 0 Assets held on behalf of third parties: - Innovation Fund 12 790 409 11 393 044 - Modernisation fund 9 174 235 6 000 039 - Investment Facility Cotonou 3 601 325 3 979 538 - InnovFin 2 103 606 2 086 964 - RRF-FI 2 084 915 1 900 524 - InvestEU 1 644 668 1 639 158 - NER300 1 094 259 1 073 205 - CEF 835 023 867 827 - Partnership Platform for Funds 794 973 735 178 - Pan-European Guarantee Fund 761 568 708 382 - ESIF 693 210 704 920 - Decentralised Financial Instruments 548 772 260 061 - COSME LGF & EFG 395 338 419 431 - Trust accounts with ETCI 377 056 532 824 - SME initiative Italy 361 710 369 229 - EU-Africa Infrastructure Trust Fund 340 057 346 729 - REG 331 016 331 869 - JEREMIE 296 467 294 386 - SME initiative Romania 257 237 260 904 - ACP TF EC Compartment 200 766 201 751 - HDW POLIO IG 185 270 0 - European Fund for Strategic Investments (`EFSI EIF') 142 528 147 883 - EU for Ukraine Fund 125 423 118 068 - Special Section 91 360 99 454 - InnovFin SME Guarantee 78 398 66 619 - GIF 2007 74 927 63 918 - InnovFin Equity 72 825 45 142 - EaSI 71 790 72 693 - NPI 71 553 73 434 - Private Finance for Energy Efficiency Instrument 59 580 59 009 - SME initiative Bulgaria 57 270 57 380 - SMEG 2007 56 564 56 076 - SME initiative Finland 52 621 53 482 - DCFTA 51 806 52 488 - NIF Risk Capital Facility 47 370 49 746 - GF Greece 45 658 45 143 - Cultural Creative Sectors Guarantee Facility 43 362 51 096 - ENPI 41 426 45 739 - InvestEU Advisory Hub 40 836 43 177 - WB EDIF 35 554 38 282 26 \| SEC report as at June 30, 2025

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NOTE E Commitments, contingent liabilities and other memorandum items (in EUR '000) (continued) 30.06.2025 31.12.2024 (Unaudited) -IPA II 34 330 38 015 - GAGF 29 306 29 232 - GCFF Jordan Private Sector Guarantee Facility 28 542 31 894 - SME initiative Malta 27 585 27 265 - Bundesministerium fur Wirtschaft and Technologie 27 564 57 474 - FEMIP Trust Fund 26 242 24 736 - IW4 26 171 26 132 - AECID 23 526 28 386 - EU Support to BoostAfrica 21 387 31 357 - NIF Trust Fund 19 984 26 212 - JESSICA (Holding Funds) 19 753 21 417 - EPTA Trust Fund 17 563 18 051 - TTA Turkiye 17 530 13 513 - MAP guarantee 16 050 15 876 - RSFF (incl. RSI) 14 020 14 783 - SME initiative Spain 13 074 12 688 - MAP Equity 11 993 5 855 - German Future Fund Growth Facility 10 305 28 101 - EFSI-EIAH 9 681 26 951 - Natural Capital Financing Facility 8 103 11 926 - BIF 7 928 13 969 - DESIREE 6 031 6 103 - EPIC 4 498 1 222 - AGRI 4 161 4 908 - FoF mandates (virtual) 3 647 902 - KBC Climate & Infrastructure Private Investors Partnership 3 476 1 511 - GEEREF 3 406 3 373 - MDD 3 387 847 - Student Loan Guarantee Facility 2 750 2 730 - German Corona Matching Facility (CMF) 2 671 1 009 -Alp GIP 2 279 2 408 - PGFF 2 088 6 104 - EFSD GUARANTEE "ACCESS TO FINANCE INITIATIVE" 1 729 869 - fi-compass 1 560 3 054 - GEF-UNEP 1 109 1 434 - European Technology Facility 1 049 1 048 - Central Europe FoF 1 006 2 586 - LFA-EIF Facility 1 004 195 - EU Trade and Competitiveness Program 616 704 - G43 Trust Fund 287 287 - EU4Business Guarantee Facility 238 259 - TTP 203 203 - AIP Zambia 178 218 - AIP Kulima 172 215 - TARGET 81 790 - GGF 7 7 - JASPERS 0 6 789 40 591 001 35 898 400 Other items: - Notional value of interest-rate swaps 692 774 078 655 792 698 - Notional value of currency swap contracts payable 219 966 617 229 644 516 - Notional value of currency swap contracts receivable 214 633 093 232 980 366 - Notional amount of futures contracts 46 683 833 33 351 527 - Notional value of short-term currency swap contracts payable 29 299 185 19 500 940 - Notional value of short-term currency swap contracts receivable 28 865 850 19 687 736 - Put option granted to EIF minority shareholders 508 246 483 283 - Special deposits for servicing of borrowings 89 889 535 - Currency swaps launched but not yet settled payable 50 643 144 845 - Currency swaps launched but not yet settled receivable 50 448 145 049 SEC report as at June 30, 2025 \| 27

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EIB BALANCE SHEET AS AT JUNE 30, 2025 ASSETS 30.06.2025 31.12.2024 (Unaudited) 1. Cash in hand, balances with central banks and post office UNDER EU ACCOUNTING DIRECTIVES (in EUR '000) LIABILITIES 1. Amounts owed to credit institutions 30.06.2025 (Unaudited) 31.12.2024 banks 213 948 104 678 repayable on demand 254 778 750 387 with agreed maturity or periods of notice 2 141 827 107 186 2. Treasury bills and other bills eligible for refinancing 2 396 605 857 573 with central banks 51 014486 36 499 912 2. Amounts owed to customers a) repayable on demand 3 049 825 3 096 585 3. Loans and advances to credit institutions b) with agreed maturity or periods of notice 3 672 338 120 487 a) repayable on demand 970 672 1 012 332 6 722 163 3 217 072 b) other loans and advances 55 118 081 39 456 167 3. Debts evidenced by certificates c) loans 85 939 743 91 091 122 a) debt securities in issue 444 420 548 435 965 421 d) value adjustments 0 - 848 b) others 6 731 336 6 886 266 142 028 496 131 558 773 451 151 884 442 851 687 4. Loans and advances to customers a) other loans and advances 192 996 234 816 4. Other liabilities 4 425 816 4 423 900 loans 345 648 459 346 773 549 value adjustments - 683 576 - 617 456 5. Accruals and deferred income 20 849 870 16 365 083 345 157 879 346 390 909 5. Debt securities including fixed-income securities 6. Provisions a) issued by public bodies 5 106 598 4 760 707 a) pension plans and health insurance scheme 5 184 233 5 049 315 b) issued by other borrowers 5 513 393 5 682 731 b) provision in respect of guarantee operations 68 479 76 303 10 619 991 10 443 438 5 252 712 5 125 618 6. Shares and other variable-yield securities 10 082 905 9 968 276 7. Subscribed capital a) subscribed 248 795 607 248 795 607 7. Participating interests 466 182 476 779 b) uncalled -226604892 - 226 604 892 22 190 715 22 190 715 8. Shares in affiliated undertakings 1 581 452 1 578 169 8. Reserves a) reserve fund 24 879 561 24 879 561 9. Intangible assets 150 631 129 807 additional reserves 20 020 604 18 692 683 special activities reserve 14 015 155 12 665 555 10. Tangible assets 394 889 349 740 d) general loan reserve 2 495 377 2 281 423 61 410 697 58 519 222 11. Other assets 484 572 467 156 9. Profit for the financial period/year 1 181 426 2 891 475 12. Subscribed capital and reserves, called but not paid 159 848 13. Prepayments and accrued income 13 386 457 18 314 860 TOTAL ASSETS 575 581 888 556 442 345 TOTAL LIABILITIES 575 581 888 556 442 345 28 \| SEC report as at June 30, 2025

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EIB OFF BALANCE SHEET AS AT JUNE 30, 2025 UNDER EU ACCOUNTING DIRECTIVES (in EUR '000) Contingent liabilities and guarantees: - In respect of loans granted by third parties Commitments: - EIF capital uncalled - Undisbursed loans 30.06.2025 (Unaudited) 23 062 914 3 524 800 31.12.2024 23 518 831 3 520 800 - credit institutions 28 970 957 31 082 413 - customers 101 695 458 99 028 309 130 666 415 130 110 722 - Undisbursed shares and other variable-yield securities - Undisbursed private equity and venture capital operations 5 138 959 4 902 793 - Undisbursed investment and infrastructure funds 3 427 145 3 887 979 - EBRD capital uncalled 712 630 712 630 9 278 734 9 503 402 - Borrowings launched but not yet settled 1 406 901 223 950 - Securities receivable 435 188 0 - Securities payable 23 532 0 Assets held on behalf of third parties: - Innovation Fund 12 790 409 11 393 044 - Modernisation fund 9 174 235 6 000 039 - Investment Facility Cotonou 3 601 325 3 979 538 - EIF treasury 2 267 992 2 256 441 - InnovFin 2 103 606 2 086 964 - InvestEU 1 644 668 1 639 158 - RRF-FI 1 535 362 1 521 135 - NER300 1 094 259 1 073 205 - CEF 835 023 867 827 - Partnership Platform for Funds 794 973 735 178 - Pan-European Guarantee Fund 761 568 708 382 - Decentralised Financial Instruments 548 772 260 061 - EU-Africa Infrastructure Trust Fund 340 057 346 729 - ACP TF EC Compartment 200 766 201 751 - HDW POLIO IG 185 270 0 - EU for Ukraine Fund 125 423 118 068 - Special Section 91 360 99 454 - Private Finance for Energy Efficiency Instrument 59 580 59 009 - DCFTA 51 806 52 488 - NIF Risk Capital Facility 47 370 49 746 - GF Greece 45 658 45 143 - ENPI 41 426 45 739 - InvestEU Advisory Hub 40 836 43 177 -IPA II 34 330 38 015 - GCFF Jordan Private Sector Guarantee Facility 28 542 31 894 - FEMIP Trust Fund 26 242 24 736 - IW4 26 171 26 132 - AECID 23 526 28 386 - EU Support to BoostAfrica 21 387 31 357 - NIF Trust Fund 19 984 26 212 - JESSICA (Holding Funds) 19 753 21 417 - EPTA Trust Fund 17 563 18 051 - RSFF (incl. RSI) 14 020 14 783 - EFSI-EIAH 9 681 26 951 - Natural Capital Financing Facility 8 103 11 926 - DESIREE 6 031 6 103 - EPIC 4 498 1 222 - EFSD Guarantee "Access to Finance Initiative" 1 729 869 - fi-compass 1 560 3 054 SEC report as at June 30, 2025 \| 29

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EIB OFF BALANCE SHEET AS AT JUNE 30, 2025 UNDER EU ACCOUNTING DIRECTIVES (in EUR '000) (continued) - GEF-UNEP 1 109 - EU Trade and Competitiveness Program 616 - EU4Business Guarantee Facility 238 - AIP Zambia 178 - AIP Kulima 172 - TARGET 81 - JASPERS 0 30.06.2025 (Unaudited) 1 434 704 259 218 215 790 6 789 31.12.2024 38 647 258 33 903 793 Other items - Notional value of interest-rate swaps 692 774 078 655 792 698 - Notional value of currency swap contracts payable 219 966 617 229 644 516 - Notional value of currency swap contracts receivable 214 633 093 232 980 366 - Notional amount of futures contracts 46 683 833 33 351 527 - Notional value of short-term currency swap contracts payable 29 299 185 19 500 940 - Notional value of short-term currency swap contracts receivable 28 865 850 19 687 736 - Put option granted to EIF minority shareholders 508 246 483 283 - Special deposits for servicing borrowings 89 889 535 - Currency swaps launched but not yet settled payable 50 643 144 845 - Currency swaps launched but not yet settled receivable 50 448 145 049 30 \| SEC report as at June 30, 2025

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EIB PROFIT AND LOSS ACCOUNT FOR THE SIX-MONTH PERIOD ENDED JUNE 30, 2025 UNDER EU ACCOUNTING DIRECTIVES (in EUR '000) H12025 H12024 2024 (Unaudited) (Unaudited) 1. Interest receivable and similar income 15 729 801 16 755 270 27 361 107 2. Interest payable and similar charges - 13 990 655 - 15 034 735 - 23 847 740 3. Income from securities a) income from shares and other variable-yield securities b) income from shares in affiliated undertakings 311 586 327 742 911 537 15 714 13 690 13 690 327 300 341 432 925 227 4. Commissions receivable 243 946 216 087 532 568 5. Commissions payable - 188 849 - 198 080 - 391 729 6. Net result on financial operations - 36 791 35 491 - 9 935 7. Net other operating income and expense 7 839 6 643 14 915 8. General administrative expenses a) staff costs - 479 652 - 463 447 - 1 001 444 b) other administrative expenses - 179 827 - 162 191 - 409 639 - 659 479 - 625 638 - 1 411 083 9. Value adjustments in respect of tangible and intangible assets a) tangible assets b) intangible assets - 13 414 - 18 830 - 13 012 - 32 434 - 13 282 - 51 940 - 32 244 - 26 294 - 84 374 10. Value (re-)adjustments in respect of loans and advances and provisions for contingent liabilities - 203 638 25 637 - 192 766 11. Value (re-)adjustments in respect of transferable securities held as financial fixed assets, participating interests and shares in affiliated undertakings - 15 804 1 513 - 4 715 12. Profit for the financial period/year 1 181 426 1 497 326 2 891 475 SEC report as at June 30, 2025 31

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EIB CASH FLOW STATEMENT FOR THE PERIOD ENDED JUNE 30, 2025 UNDER EU ACCOUNTING DIRECTIVES (in EUR '000) H.1 2025 H1 2024 2024 (Unaudited) (Unaudited) A. Cash flows from operating activities: Profit for the financial period/year 1 181 426 1 497 326 2 891 475Adjustments for: Value (re-)adjustments in respect of loans and advances and provisions for contingent liabilities 203 638 - 25 637 192 766 Value adjustments in respect of tangible and intangible assets, and write-off 32 244 26 294 84 368 Value (re-)adjustments in respect of transferable securities held as financial fixed assets, shares, other variable-yield 47 316 1 158 89 999 securities and participating interests Gain from sale of EIF shares 0 - 1 190 - 1 190 Change in provisions on pension plans and health insurance scheme 109 494 105 011 272 965 Net interest income - 1 739 146 - 1 720 535 - 3 513 367 Effect of exchange rate changes - 87 065 27 578 72 614 Profit/(Loss) on operating activities - 252 093 Mir - 89 995 89 630 Disbursements of loans and advances to credit institutions and customers - 20 275 752 - 22 029 652 - 54 338 238 Repayments of loans and advances to credit institutions and customers 23 219 269 20 791 483 45 337 630 Change in other loans and advances 874 564 - 4 445 580 18 347 113 Change in deposit with Central Bank of Luxembourg to cover minimum reserve requirement - 109 272 - 4 823 105 328 Change in treasury operational portfolios - 12 469 503 - 829 507 3 077 651 Change in amounts owed to credit institutions and customers 5 044 123 - 1 080 173 - 149 021 Payments and annual contributions to pension plans and health insurance scheme during the period/year 25 424 32 101 67 894 Change in other assets and other liabilities 9 563 - 93 815 - 362 181 Change in prepayments and accrued income and in accruals and deferred income - 1 875 755 1 261 993 600 533 Interest received 12 226 470 14 223 730 25 766 296 Interest paid - 10 387 233 -11 895 884 - 21 818 202 Net cash generated from/(used in) operating activities - 3 970 195 - 4 160 122 16 724 433 B. Cash flows from investing activities: Purchase of EIF shares - 3 283 0 0 Sale of EIF shares 0 2 983 2 983 Securities in Long-Term HQLA Portfolio purchased during the period/year - 2 688 510 - 1 846 135 - 2 521 418 Securities from Long-Term HQLA Portfolio matured or sold during the period/year 90 498 115 000 115 000 Purchase of loan substitutes included in the debt securities portfolios - 1 994 230 - 3 085 171 - 5 094 322 Redemption of loan substitutes included in the debt securities portfolios 1 607 764 2 415 170 4 282 758 Additions on shares and other variable-yield securities - 732 449 - 885 470 - 1 804 639 Reflows on shares and other variable-yield securities 569 548 568 537 1 380 508 Additions on participating interests - 14 882 - 44 405 - 73 055 Reflows on participating interests 26 403 13 558 27 218 Purchase of tangible and intangible assets - 98 217 - 68 514 - 187 363 Net cash used in investing activities - 3 237 358 - 2 814 447 - 3 872 330 C. Cash flows from financing activities: Issuance of debts evidenced by certificates 72 630 054 57 529 874 106 720 276 Redemption of debts evidenced by certificates - 48 105 757 - 51 603 323 - 106 488 673 Member States' contribution 159 848 159 850 319 700 Net cash generated from financing activities 11111484 145 RIO 086 401 551 303 Summary statement of cash flows: Cash and cash equivalents at the beginning of financial period/year 11137 973 53 4 770 124 24 770 124 Net cash from/(used in): Operating activities - 3 970 195 - 4 160 122 16 724 433 Investing activities - 3 237 358 - 2 814 447 - 3 872 330 Financing activities 24 684 145 6 086 401 551 303 Effect of exchange rate changes on cash held - 584 223 - 291 764 - 199 694 Cash and cash equivalents at the end of financial period/year MI 54 866 205 23 590 192 37 973 836 Cash and cash equivalents are composed of: Cash in hand, balances with central banks and post office banks, excluding deposits with Central Bank of Luxembourg 9 13 11 to cover minimum reserve requirement Money market securities 439 373 731 322 0 Loans and advances to credit institutions and customers: Repayable on demand 970 672 765 757 1 012 332 Other loans and advances 53 456 151 22 093 100 36 961 493 54 866 205 23 590 192 37 973 836 32 \| SEC report as at June 30, 2025

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NOTES TO THE UNAUDITED CONDENSED INTERIM FINANCIAL STATEMENTS UNDER EU ACCOUNTING DIRECTIVES NOTE A Basis of presentation The unaudited condensed financial statements of the European Investment Bank (the "Bank") as at June 30, 2025 do not include all of the information and footnotes required for complete financial statements. In the opinion of management, all adjustments, normal recurring accruals and value adjustments of financial assets considered necessary for a fair presentation have been recorded. The profit for the six-month period ended June 30, 2025 is not necessarily indicative of the results that may be expected for the financial year ending December 31, 2025. The audited financial statements as at and for the financial year ended December 31, 2024 were prepared in accordance with the general principles of the Directive 86/635/EEC of the Council of the European Communities of December 8, 1986 on the annual accounts and consolidated accounts of banks and other financial institutions, as amended by Directive 2001/65/EC of September 27, 2001, by Directive 2003/51/EC of June 18, 2003 and by Directive 2006/46/EC of June 14, 2006. The unaudited condensed financial statements as at and for the period ended June 30, 2025 are based on the same principles. For further information, refer to the unconsolidated financial statements and footnotes thereto included in the Bank's annual report for the financial year ended December 31, 2024. NOTE B Summary statement of loans (in EUR '000) Analysis of aggregate loans granted (before provisions) as at June 30, 2025 To intermediary credit institutions Directly to final beneficiaries Total - Disbursed portion 85 939 743 345 648 459 431 588 202 - Undisbursed portion 28 970 957 101 695 458 130 666 415 Aggregate loans granted 114 910 700 447 343 917 562 254 617 Analysis of aggregate loans granted (before provisions) as at December 31, 2024 To intermediary Directly to final credit institutions beneficiaries Total - Disbursed portion 91 091 122 346 773 549 437 864 671 - Undisbursed portion 31 082 413 99 028 309 130 110 722 Aggregate loans granted 122 173 535 445 801 858 567 975 393 Despite the general context of uncertainty in the global financial markets, the Bank currently continues to maintain a robust liquidity position and flexibility to access the necessary liquidity resources mainly as a result of its prudent approach to liquidity management. Moreover, in general, the quality of the Bank's loan portfolio currently remains high as it relies on a risk management strategy based on adequate levels of security and guarantees, as well as standard protective clauses included in its loan agreements. SEC report as at June 30, 2025 \| 33

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Value adjustments for potential losses in respect of the Bank's loan portfolio have been accounted for as at June 30, 2025 and as at December 31, 2024 as follows: Value adjustments on loans and advances (in EUR '000) Balance sheet caption Type of value adjustment 30.06.2025 31.12.2024 Loans and advances to credit institutions d) value adjustments Collective 0 0 Specific 0 848 Loans and advances to customers c) value adjustments Collective 0 0 Specific 683,576 617,456 Total value adjustments 683,576 618,304 NOTE C Shares in affiliated undertakings The European Investment Fund The capital paid in by the Bank in respect of its subscription of EUR'000 4,406,000 as at June 30, 2025 (EUR'000 4,401,000 as at December 31, 2024) to the capital of the European Investment Fund (the "EIF"), with its registered office in Luxembourg, amounted to EUR'000 1,581,452 as at June 30, 2025 (December 31, 2024: EUR'000 1,578,169). As at June 30, 2025, the Bank held 59.78% of the EIF's subscribed capital (59.72% as at December 31, 2024). Commitment to purchase the remaining EIF shares at a fixed price Under the terms of the replacement share purchase undertaking ('RSPU'), the Bank was offering to buy the remaining subscribed shares from the EIF's minority shareholders, other than the ones subscribed by the European Commission ('EC'), for a price of EUR 656,648.78 per share as at June 30, 2025. The latter corresponds to the part of each share in the called capital of EIF, increased by the share premium account, the statutory reserves, the retained earnings, the fair value reserve and the profit of the year, net of the dividend decided by the EIF's General Meeting. The agreed formula is being applied to the approved and audited annual accounts of the EIF for the financial year in which the option is exercised. 34 \| SEC report as at June 30, 2025

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NOTE D Debts evidenced by certificates (in EUR '000) PAYABLE IN OUTSTANDING AT 30.06.2025 (UNAUDITED) AVERAGE RATE (\*) 30.06.2025 (UNAUDITED) DUE DATES (UNAUDITED) OUTSTANDING AT 31.12.2024 AVERAGE RATE (\*) 31.12.2024 EUR 270 965 447 1.79 2025/2061 253 981 303 1.68 USD 113 473 776 3.30 2025/2058 115 087 825 3.03 GBP 31 870 796 3.92 2025/2054 37 075 272 3.79 PLN 9 161 304 3.45 2025/2043 9 254 971 3.63 AUD 8 687 044 3.12 2025/2040 8 670 109 3.00 SEK 3 946 082 2.21 2026/2040 4 667 510 1.98 NOK 2 720 859 3.85 2025/2037 2 051 717 3.32 CHF 2 595 164 2.01 2025/2037 3 039 264 2.06 CAD 1 988 375 2.91 2028/2045 3 298 087 2.43 ZAR 1 812 558 7.76 2025/2035 1 848 151 7.80 JPY 994 231 2.23 2026/2053 1 036 349 2.24 DKK 646 591 0.13 2026/2031 700 495 0.53 INR 527 046 7.07 2029/2035 179 910 7.15 MXN 466 276 6.86 2027/2033 686 762 7.14 NZD 374 987 3.27 2027/2028 391 215 3.27 CNY 321 543 2.68 2025/2026 412 749 2.77 CZK 196 183 3.84 2026/2034 202 690 3.95 BRL 138 711 11.40 2027/2035 54 472 9.25 HKD 129 346 2.64 2025/2030 85 517 2.47 HUF 37 519 11.50 2025/2025 36 465 11.50 EGP 34 440 15.75 2026/2027 37 958 15.75 RUB 20 515 4.25 2026/2026 16 554 4.25 RON 20 282 2.23 2026/2026 20 706 2.23 TRY 12 825 10.65 2026/2027 15 636 10.67 GEL 9 984 8.70 2028/2028 - - TOTAL 451 151 884 442 851 687 (\*) Weighted average interest rates at the balance sheet date. The principal and interest of certain structured borrowings are linked to stock exchange indexes (historical value: EUR 500m at June 30, 2025 and EUR 500m in 2024). All such borrowings are hedged in full through structured swap operations. SEC report as at June 30, 2025 \| 35