Investor Presentaiton

Further progress towards meeting MREL Requirements 27.18% €500mn Senior Preferred Bond issued in June 2023: 6NC5, 6.875% coupon Further progress towards final MREL targets in a sustainable fashion 19.94% 3.58% 16.36% €0.9 bn vs. 3.58% 24.34% 2026 MREL Target 4.4% surplus to non- No subordinated MREL requirement 5.90% binding Interim MREL Requirement ◉ Expect Alpha Bank to continue to be a regular issuer in the debt capital markets 0.77% MREL ratio as of 30.06.2023 stands at 24.34%, well above both the interim non- binding targets of 2023 (19.94%) and 2024 (22.39%). 23.60% Outstanding Debt Instruments Issuance date 17.68% AT1 01/02/2023 Tier II Tenor Size (Єmn) Maturity Coupon PerpNC5.5 400 Perpetual 11.875% 13/02/2020 10NC5 500 13/02/2030 4.25% 11/03/2021 10.25NC5.25 500 11/06/2031 5.50% 2023 MREL Non- Binding Interim Target (incl. CBR) 2026 MREL Final Binding Target (incl. CBR) MREL ratio Q2 2023 OpCo Group 4 Senior preferred 23/09/2021 6.5NC5.5 500 23/03/2028 2.50% 01/11/2022 3NC2 400 01/11/2025 7.00% MREL Target 2026 Senior Preferred 16/12/2022 4.5NC3.5 450 16/06/2027 7.50% 2 CBR applicable as of the Other MREL eligible liabilities reference date 3 Binding Interim MREL 2022 Total Capital ratio OpCo Group (TR) 13/02/2023 27/06/2023 6NC5 64 13/02/2029 6.75% 6NC5 500 27/06/2029 6.875% 1| The Combined Buffer Requirement (CBR) applies on top of MREL target. 2| Subject to SRB approval. 3| Including profit for the period. 4| MREL requirements applicable only to the OpCo on a consolidated basis. 55 ALPHA SERVICES AND HOLDINGS

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