Investor Presentaiton

RETAIL & BANK DIVISION: Q1 2022 REVENUE DEVELOPMENT Revenue development EUR m +49.3% 26.4 17.7 17.4 Income from +143% Financial Services 7.1 Branch Services 10.5 -14.3% 9.0 1 Adjusted presentation Q1 20211 INVESTOR PRESENTATION Investor Relations Vienna, 13 May 2022 Q1 2022 Retail & Bank Division: +49.3% Acquisition of the private customer business of ING in Austria at the end of 2021 led to the Q1 2022 revenue increase Income from Financial Services: EUR +10.2m Positive customer ramp-up and acquisition of ING's Austrian retail business Branch Services: EUR -1.5m - Slight drop in revenue for retail goods and branch products 31

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