Ahead to the Future: Austrian Postal Market and Bank99 Overview

3 BANK99: NEW STARTING POINT WITH MORE CRITICAL MASS Next phase following acquisition of the ING retail business in Austria Complementary strengths in the product structure bank99 Retail and digital bank Customers bank 99 Technical integration Current accounts 99 200,000 Employees 344 Balance sheet total Investments EUR 2.7bn ING Payment transactions 99 Credit volume ING Financing EUR 1.4bn EUR 600m Branch offices 1,757 Investment products INVESTOR PRESENTATION Investor Relations Vienna, 11 March 2022 Number of self-service devices 477 Organisational integration Product integration Investments Financing/ new consumer credit 321 → - SB ZONE War in the Ukraine with potentially negative impact in context of bank deposit guarantee in Austria 22 22

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