Investor Presentaiton

Glossary (4/4) Reference number Terms Definitions Relevance of the metric Abbreviation 43 Profit/ (Loss) attributable to shareholders 44 Recurring Cost to Income ratio 445 Recurring Operating Expenses 46 Return on Equity 47 "Return on Tangible Book Value" or "Return on Tangible Equity" 48 RWA Density 49 Securities 50 50 62 Profit/ (Loss) after income tax from continuing operations (41) for the period, less Impact from NPA transactions (13), plus Profit/ (Loss) after income tax from discontinued operations (42), plus Non-controlling interests as disclosed in Consolidated Income Statement of the reported period. Recurring Operating Expenses (45) for the period divided by Core Operating Income (4) for the period. Total Operating Expenses (53) less management adjustments on operating expenses. Management adjustments on operating expenses include events that do not occur with a certain frequency, and events that are directly affected by the current market conditions and/or present significant variation between the reporting periods. Net profit/(loss) attributable to: Equity holders of the Bank (annualised), as disclosed in Consolidated Income Statement divided by the Average balance of Equity attributable to holders of the Company, as disclosed in the Consolidated Balance sheet at the reported date, taking into account the impact from any potential restatement. Average balance is defined as the arithmetic average of the balance at the end of the period and at the end of the previous relevant period. Net profit/(loss) attributable to: Equity holders of the Bank (annualised), as disclosed in Consolidated Income Statement divided by the Average balance of Tangible Book Value (50). Average balance is defined as the arithmetic average of the balance at the end of the period and at the end of the previous relevant period. Risk Weighted Assets divided by Total Assets (52) of the relevant period. Sum of Investment securities and Trading securities, as defined in the consolidated Balance Sheet of the reported period. Tangible Book Value or Tangible Total Equity excluding the sum of Goodwill and other intangible assets, Non-controlling interests and Additional Tier 1 capital & Hybrid securities. Equity All terms disclosed in the Consolidated Balance sheet at the reported date, taking into account the impact from any potential restatement. Tangible Book Value (50) divided by the outstanding number of shares. 51 Tangible Book Value per share 52 Total Assets 53 Total Operating Expenses 53 Total Assets (52) as derived from the Consolidated Balance Sheet of the reported period, taking into account the impact from any potential restatement. Sum of Staff costs, Voluntary exit scheme program expenses, General administrative expenses, Depreciation and amortization, Other expenses as derived from the Consolidated Income Statement of the reported period taking into account the impact from any potential restatement. Profitability metric Efficiency metric C/I ratio Efficiency metric Recurring OPEX Profitability metric RoE Profitability metric Standard banking terminology Standard banking terminology Standard banking terminology Valuation metric Standard banking terminology Standard banking terminology 75 ROTBV or ROTE ALPHA TBV or TE TBV/share TA Total OPEX SERVICES AND HOLDINGS

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