Investor Presentaiton

Glossary (3/3) APM Definitions Relevance of the metric Reference number Abbreviation Operating Income Other impairment losses Other Income The figure is calculated as "Total Income" plus "Share of profit/(loss) of associates and joint ventures" as derived from the Consolidated Income Statement of the reported period, taking into account the impact from any potential restatement as described in Note 32 of the Consolidated Financial Statements. The figure equals "Impairment losses on other financial instruments" as derived for the Consolidated Financial Statements of the reported period. This item corresponds to the sum of "Dividend income", "Other income" and "Share of profit/(loss) of associates and joint ventures", as defined in the Consolidated Balance Sheet of the reported period. Operating Income for the period less Total Operating Expenses for the period Recurring Operating Expenses for the period divided by Core Operating Income for the period. Standard banking terminology Standard banking terminology Standard banking terminology Profitability metric 4 Pre-Provision Income Recurring Cost to Income ratio Recurring Operating Expenses Securities Shareholders' Equity Tangible Book Value (or Tangible Equity) Tangible Book Value (or Tangible Equity) per share Total Assets Total Operating Expenses Total Operating Expenses less management adjustments on operating expenses. Management adjustments on operating expenses include events that do not occur with a certain frequency, and events that are directly affected by the current market conditions and/or present significant variation between the reporting periods, and are quoted in the appendix of the Financial Report. This item corresponds to the sum of "Investment securities" and "Trading securities", as defined in the Consolidated Balance Sheet of the reported period. This item corresponds to "Equity attributable to equity owners of Alpha Services and Holdings S.A.", as defined in the Consolidated Balance Sheet of the reported period. TBV (or TE) is the sum of "Total Equity" less "Goodwill and other intangible assets", less "Non-controlling interests" and less "hybrid securities", as defined in the Consolidated Balance sheet at the reported period. Tangible Book Value (or Tangible Equity) divided by the outstanding number of shares. The figure equals "Total Assets" as derived from the Consolidated Balance Sheet of the reported period taking into account the impact from any potential restatement, as described in Note 32 of the Consolidated Financial Statements. The figure equals "Total expenses before impairment losses and provisions to cover credit risk" as derived from the Consolidated Income Statement of the reported period taking into account the impact from any potential restatement, as described in Note 32 of the Consolidated Financial Statements. 4-6 PPI Efficiency metric 7/5 C/I ratio Efficiency metric 7 Recurring OPEX Standard banking terminology Standard banking terminology Standard banking terminology Valuation metric Standard banking terminology Standard banking terminology TBV or TE TBV/share 11 TA 6 Total OPEX 65 ALPHA SERVICES AND HOLDINGS

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