Investor Presentaiton

Q2 2023 Group Profit & Loss Profit & Loss (€ mn) Reported Profit After Tax H1 23 H1 22 y/y Q2 23 Q1 23 q/q +63% +72% €191mn Net Interest Income 864 582 49% 440 424 4% Net fee and commission Income 185 204 (9%) 97 88 10% €117mn €111mn €93mn Trading & Other Income 66 144 (54%) 42 24 73% €63mn Operating Income 1,115 930 20% 579 536 8% Recurring Operating Expenses Extraordinary Mostly comprised of VSS costs (474) (486) (3%) (50) 3 (240) (233) 3% Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 (12) (38) (70%) Total Operating Expenses Core Pre Provision Income (524) (484) 8% (252) (272) (7%) 598 335 79% 310 288 8% Normalised Profit After Tax² Pre Provision Income 591 446 33% 327 264 24% +179% Impairment Losses (145) (131) 11% (73) (72) 2% +20% €195mn €162mn Profit/ (Loss) before income tax 436 312 40% 251 185 36% Income Tax (115) (79) 45% (65) (50) 29% €105mn €94mn Impact from NPA transactions¹, (18) 6 5 (23) €70mn discontinued operations & other Reported Profit/ (Loss) after income tax Normalised Profit After Tax² 303 239 27% 191 111 72% 357 201 78% 195 162 20% Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 1| Q2 2023 includes €5mn impact from NPA transactions. 2| Normalised Profit After Tax of €195mn in Q2 2023, is Reported Profit /(Loss) After Tax of €191mn excluding (a) non-recurring Operating Expenses of €12mn, (b) NPA transactions impact of €5mn and €3m tax charge related to the above. Normalised profits of 2022 and 2021 are not comparable due to initiation of a new normalised profits policy since 1.1.2022. 11 ALPHA SERVICES AND HOLDINGS

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