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Investor Presentaiton

Recap: Overview of RBBG Business Segments RBBG is Present Across UBB's Entire Client Footprint Private Client Traditional and digital banking products and services, incl. online and mobile apps and payments, as well as bancassurance Services " Current accounts Savings & deposits (term deposits, child deposits, savings account) Credit & debit cards Consumer loans & mortgages FX and derivative products Precious metal trading Operating Income Split(¹) 44% Corporate Portfolio 4,400 clients, incl. leading clients from all growing and export- oriented sectors; custodian and depositary services Services Current accounts, cash pooling, collection; custody & depositary Term deposits, overdrafts, credit lines & real estate financing Factoring (see callout) European and national funding programs FX and derivative products Operating Income Split(¹) 24% Corporate Micro & SME Lending and non-lending services, including starter packages, payroll, terminals and bank guarantees with the European Investment Fund Services Current accounts Term deposits, overdrafts & credit lines Loans (standard, micro business, agriculture, financing under guarantee agreements, medical specialist) FX and derivative products Operating Income Split(1)(3) 28% o/w Micro Financing for locally registered Micro Enterprises, with an annual turnover of up to €1 million; loans granted to Micro business owners Services Current accounts Term deposits, overdrafts & credit lines Loans with collaterals: purchase of residential property, repair or refinancing of other bank loans Unsecured financing: repairs, furnishing, education, private expenses/plan implementation YoY 11.1% Micro Loan Growth 16% M/S Micro Companies NPS (4): 43 (#1, next: 22) H1'21 Micro Net Promoter Score Non-client & Others Non-client: Group's proprietary financial transactions and market risk exposures management Services FX, securities and derivatives & money market trading Liquidity and interest rate risk management Others: Non-allocated P&L, i.e. cash, capital, assets, and liabilities Operating Income Split(1) 3% Gross Loans Split(2) Gross Loans Split(2) Gross Loans Split(2)(3) 22% 4th 22% 19% 36% Leasing largest leasing company, with leasing in vehicles, industrial machinery, equipment, car fleets, and real estate Delivers leasing services to corporate, small and medium enterprises and private clients; strong access to SME and Micro Clients Smart Leasing pilot project unit within RBI Group 11.7% M/S 9.5% M/S Mortgage Loans Consumer Loans 7.9% M/S Corporate Loans 7.9% M/S Corporate Deposits NPS (4): 53 (#1, next: 38) H1'21 Private Client Net Promoter Score NPS (4): 76 (#1, next: 59) H1'21 Corporate Net Promoter Score 7.5% M/S 9.3% M/S Micro & SME Loans Micro & SME Deposits #1 NPS (4) Across Micro and SME in Bulgaria 10.5% M/S 14,623 Leasing Active Contracts Asset management AuM: €106m €234m Leasing Portfolio Insurance Brokerage (5) GWP: €8m Source: Management Presentation, Company website, Filings. Note: Market shares self-reported. (1) Consolidated, as of 30-06-2020. (2) Standalone, as of 31-12-2020, based on Seller business plan. (3) Split between Micro and SME not available. (4) Source: KANTAR Customer Satisfaction Survey as of April 2021. (5) No insurance underwriting, only sale of insurance policies to predominantly Leasing clients / companies. KBC
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