Investor Presentaiton

Solid capital position confirmed by 2021 stress test results Resilient Capital Levels Starting 31.12.20 Baseline 31.12.23 Adverse 31.12.23 CET1 FL (%) 14.6% 17.3% 8.3% CET1 FL (%) pf SCI 19.1% 10.2% Best in class Leverage ratio (fully loaded) 2023, Adverse scenario 6.1% (reported) 7.6% (pf SCI) Improved capital depletion Adverse scenario, ex-IFRS9 7.5pps 8.6pps 6.3pps 2015 STS 2018 2021 STS STS Stress tests 2021 Strong capital generation CET1 Transitional (%) 17.1% 2.7% 17.4% (2.4%) Starting 31.12.20 Capital generation IFRS 9 Ending 31.12.23 Baseline 19 ALPHA SERVICES AND HOLDINGS

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