Investor Presentaiton

CET1 ratio improved to 14.9% CET1 capital ratio development (in %) 14.8% -0.5% 14.4% +0.3% +0.2% 14.9% ~12.5% -0.0% 10.7% 1Q2023 CET1 ratio Announced share Pro forma 1Q2023 buyback CET1 ratio Profit added to CET1 Other capital movements RWA Capital ratio CET1 developments 2Q2023 CET1 ratio Basel IV CET1 ratio target Fully-loaded SREP requirement Management buffer (incl. P2G) ■ CET1 ratio improved to 14.9%, driven by strong capital generation and capital discipline leading to lower RWA in Wholesale Banking ■ The addition of €1.1 bln of quarterly net profit to CET1 capital was offset by an additional €1.5 bln distribution ■In line with our distribution policy, 50% of the 2Q2023 resilient net profit has been reserved outside of CET1 capital for future distribution. In total, €1,917 mln remains reserved for distribution ■RWA decreased by €4.5 bln, including €+0.2 bln of FX impacts ■ Credit RWA excluding FX impacts decreased by €5.6 bln, driven by model updates, a better overall profile of the loan book and disciplined capital management in Wholesale Banking Operational RWA were flat. Market RWA were slightly higher, mainly due to increased Stressed Value-at-Risk for the trading portfolio ■ We will pay a 1H2023 interim dividend of €0.35 per share in cash on 14 August 2023 12

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