Investor Presentaiton

What we have achieved: from restructuring... Delivered NPE ratio of 4.0%; 97% NPE reduction since peak NPE ratio 63% 72 1) 2) NPES 15.0 (4.7) 4.0% (9.9) 0.4 Dec 14 NPE trades Net organic Dec 22 reduction Strengthened capital whilst absorbing restructuring costs Strong liquidity position restored -97% CET1 ratio1 15.4% 15.1% 14.8% 14.0% Dec 14 Dec 20 Dec 21 Dec 22 Allowing for IFRS 9 and temporary treatment for certain FVOCI instruments transitional arrangements Cash and balances with Central banks, placements with Banks and debt securities, treasury bills and equity investments Liquid assets² as % of total assets 20% 37% 49% 47% Dec 14 Dec 20 Dec 21 Dec 22 ST 5

View entire presentation