Investor Presentaiton

Focus on Balance sheet resilience Capital buffers expanding, NPE plan de-risk, liquidity strengthened KEY ACHIEVEMENTS Step change in regulatory capital • CET above 13% management target • 116bp organic CET1 capital generation in H1 €0.6bn buffer to 2024 MREL requirement Stress test result better vs 2021 and EU peers NPE plan de-risked as €3bn of NPE transactions previously Held For Sale were completed Liquidity levels strengthened • Cash & cash equivalent at 30% of deposits +€1bn of regulatory capital equivalent in H1 MREL well above interim non-binding targets. 24% 18.0% 14.9% 4.4% +3.1% €0.6bn 22% 3.0% 11.9% 13.6% CAD 20% CET1 FY 22 Q2 23 2023 2024 requirement requirement H1 23 Improvement in Stress Test Capital Depletion vs 2021 vs EU peers 152bp Majority of securities book growth in HQLAS¹ Stronger liquidity profile 330bp Liquidity Coverage Ratio 176% +15pp ytd N et S table Funding Ratio 127% +3pp ytd 1 High-Quality Liquid Assets 8 ALPHA SERVICES AND HOLDINGS

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