Investor Presentaiton

BREAKDOWN OF ATHORA NL'S SOLVENCY II OWN FUNDS AND SCR FOR HY22 Eligible Own Funds (bn EUR) 0,4 0,8 HY22 HY22 YE21 YE21 Ineligible due to Tiering 0,0 0,3 0,2 0,8 0,3 22 2,2 2,5 0,6 0,5 0,5 3,5 0,1 0,2 4,1 1,6 1,6 SCR (bn EUR) 00 1,0 0,2 -0,3 1,3 -0,6 -0,7 . 0,2 -0,5 1,7 Unresticted Tier 1 Restricted Tier Tier Eligible Own Tier 1 2 3 Funds Market risk Default risk Life Diversi- fication Opera- tional LACDT/ LACTP Total SCR 2,3 Eligible Own Funds decreased compared to 2021 due to the increase and flattening of interest rates, higher investment management expenses, the decrease of the UFR level with 15 bps and the increase of tiering restrictions ■ Total SCR lower in HY22 Market risk SCR is higher due to the continued repositioning of the asset portfolio, partly offset by the increase and flattening of interest rates Lower life-SCR due to the significant increase in interest rates and the organic development of required capital Lower SCR due to the increase of the LACDT, mainly due to the increase of interest rates and higher spreads 6 Athora Netherlands

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