Investor Presentaiton

Andbank Investor 2020 Solvency & Liquidity Position Andbank maintains a solid solvency position, significantly above minimum levels required by regulations with a leading position in the international market. TIER 1 2019 SUBS 22,0% Morgan Stanley 19,2% CREDIT SUISSE 17,1% 15,6% Deutsche Bank Goldman Sachs 15,2% ANDBANK BNY MELLON 14.95% 14,8% JPMORGAN CHASE & CO. 14,1% CAF REOLE 13,7% BBVA 13,6% Iciti Santander NATIXIS RAME OF ENERICA Source: Bloomberg 13,4% 13,1% 13,1% 12,6% LCR 2019 ANDBANK Private Bankers ANDBANK 267% CREDIT SUISSE 198% Julius Bär 179% 160% BARCLAYS HSBC 150% 147% Santander 141% Deutsche Bank UBS 134% BBVA 129% BNP PARIBAS * 125% SOCIETE GENERALE 119% 20 20

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