Investor Presentaiton

① Profitable insurance business well positioned for further growth eurolife Drivers • Pursue new market segments with profitable potential (business insurance, income protection) • Explore opportunities in Occupational Pensions Launch new products and investment funds (eg: Individual Pension product, ESG fund) Widen target market, leveraging on revamped bancassurance model Strengthen agency force organically and improve productivity through digitisation and campaigns Upgrade customer experience via enhanced self- service capabilities (myeurolife portal) Sustainable healthy profitability... Net insurance income¹ € mn 35 333 +8% 36 FY2019 FY2020 FY2021 ...aiming to further grow, leveraging on Bank's strong market share Bank's loan market share 38.8% Total regular income² € mn +35% > 120 129 138 FY2019 FY2020 FY2021 FY2025 3 Total regular 25.0% 2) 3) 323 1) IFRS 17 (as of 1 Jan 2023) impact remains uncertain but not expected to significantly impact medium term ROTE Total regular income includes yearly renewable gross written premiums and occupational pension contributions Market share as at 31 December 2021 based on draft preliminary market data 2021 3 2025 40 40

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