Investor Presentaiton

Alpha Bank successfully concluded the 2021 EU-wise stress test Stress Test results performed by ECB 31/12/2020 31/12/2020 - 31/12/2023 31/12/2023 31/12/2023 Starting point IFRS 9 impact Baseline Adverse CET1 (in Euro million) 7,730 7,915 RWAs2 (in Euro million) 45,347 45,403 3,753 44,733 CET1 transitional (%) 17.1% 2.4% 17.4% 8.4% CET1 fully loaded (%) Leverage Ratio (fully loaded) 14.6% 10.7% 17.3% 8.3% 13.0% 6.1% Stress Test results pro forma Share Capital Increase conducted in July 20211 31/12/2020 31/12/2020 - 31/12/2023 Starting point CET1 (in Euro million) 7,730 RWAs2 (in Euro million) 45,347 CET1 transitional (%) 17.1% CET1 fully loaded (%) 14.6% Leverage Ratio (fully loaded) 10.7% 31/12/2023 31/12/2023 IFRS 9 impact Baseline Adverse 8,740 4,636 45,590 45,048 2.4% 19.2% 10.3% 19.1% 10.2% 14.4% 7.6% Alpha Bank successfully concluded the 2021 EU- wide Stress Test. Under the baseline scenario, the capital generation for the 3-year period was 2.8% absorbing 2.4% IFRS 9 phase-in, resulting in 2023 CET1 transitional ratio of 17.4%. Under the adverse, the capital depletion for the 3-year period in the adverse scenario was 8.7%, of which 2.4% is due to IFRS 9 impact The Stress Test methodology does not take into account capital strengthening (i.e. Tier II, Share Capital Increase) and balance sheet de-risking (i.e. Galaxy), events post year end 1|The pro-forma calculations were conducted by the Bank and have not been quality assured by the ECB as part of the Stress Test exercise 48 ALPHA SERVICES AND HOLDINGS

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