1Q22 Results and Strategic Update

Focus on four interconnected pillars: £☆ Customer centricity Custo mer We will incorporate the customer-advocacy mindset into everything we do Client experience throughout the entire consumer cycle Designing strong and more integrated sales channels Improving our customer's ability to self-serve IIIIII Developing dynamic and personalized pricing models based on more intelligent CRM data and segmentation Shifting our orientation, from the typical banking classic 'product push' to 'consumer pull', customer experience Culture People ture A truly horizontal culture Key pillars: Empowerment Meritocracy Diversity All areas 'think and act' as business units • 1st financial services platform to launch NPS on a full scale All employees are salespersons to understand and serve our customers 5

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