Market Leader with Potential for Further Penetration

Highly Liquid Balance Sheet (€ bn) 25.4 Other assets 3.4 Net loans 10.0 39% >95% of loan book is variable based 25.4 Other liabilities 4.3 Equity 2.1 8% Fixed income portfolio 2.7 11% Fixed income portfolio; expanding carefully Customer deposits 19.0 75% TLTRO III proceeds 2.0 36% Cash, balances 7.3 with Central Banks As at 31 March 2023 Total Assets 36% of total assets held in cash with central banks Total Liabilities & Equity Loan to deposit ratio at 53% One of the lowest loan to deposit ratios in Europe 59% deposits insured Average retail deposit size of €27k 49 49

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