ESG Strategy and Digital Transformation

Pro forma for HFS, RWA intensity reduced to 41% RWAs reduced by €1,292 mn since Dec 2020 RWAs Dec 15 Dec 16 Dec 17 Dec 18 Dec 19 Dec 20 Sep 21 Dec 21 Dec 21 Pro forma for HFS € bn 19,666 18,865 17,260 15,373 12,890 11,636 10,991 10,694 10,344 RWA intensity decreased to 41% pro forma for HFS 85% 85% 73% 70% 61% -13 p.p. 54% 45% 43% 41% Dec 15 Dec 16 Dec 17 Dec 18 Dec 19 Dec 20 Sep 21 Dec 21 Dec 21 pro forma for HFS • Pro forma for HFS, RWA intensity decreased to 41%, 13 p.p. in FY2021, driven mainly by the completion of Helix 2 and the reduction in operational risk 72

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