Investor Presentaiton slide image

Investor Presentaiton

Top line benefitting from rates, Cost of Risk at 76bps Net Interest Income Group, € mn Net fee and commission income 440 424 396 42 42 337 37 301 32 33 Group, € mn 98 97 97 92 88 1 0 13: 0 - 359 382 398 86 304 268 Q2 22 Q3 22 Q4 22 NPE Net Interest Income Recurring operating expenses Group, € mn 257 ·0 Q1 23 Q2 23 Other Net Interest Income Q2 22 92 92 96 96 97 88 Q3 22 Q4 22 Q1 23 Q2 23 Net fee and commission income Merchant Acquiring Cost of Risk¹ Єmn & bps over net loans 94bps 93bps 242 240 75bps 76bps 257 0 61bps 89 90 9 233 231 0 240 72 73 233 58 233: 231 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Merchant Acquiring 1❘ Includes underlying impairments and servicing fees Recurring Operating Expenses Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 13 ALPHA SERVICES AND HOLDINGS
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