ESG Strategy and Digital Transformation

€400 mn net organic NPE reduction in FY2021 Net organic outflows (€ mn) -59 -112 -131 -98 Inflows (€ mn) 17 16 14 New inflows 11 8 13 6 Redefaults 7 4 Unlikely to pay 4 1Q2021 2Q2021 3Q2021 4Q2021 Outflows (mn) Curing of restructuring -11 -21 -34 -36 -17 -2 DFAS & DFES Write-offs -62 -71 Othen- -75 -80 -90 -22 -112 -10 -13 Helix 3 -568 Sales of NPES Helix 2 -1,305 -710 1) Other includes interest, cash collections and changes in balances -1,434 • €112 mn organic NPE outflows in 4Q2021, leading to €98 mn net organic NPE reduction 24 24

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