Expansion of Austrian Logistics Infrastructure

RETAIL & BANK DIVISION: KEY INCOME STATEMENT INDICATORS EUR m Q1-3 20211 Q1-3 2022 % A Q3 20211 Q3 2022 Revenue 52.5 85.2 62.2% 32.7 16.2 31.0 Growth due to acquisition of the ING retail business • Branch Services 29.9 28.7 -3.9% -1.2 8.4 10.0 • Income from Financial Services 22.6 56.4 > 100% 33.8 7.8 21.0 Revenue intra-Group 135.3 140.4 3.8% 5.1 45.0 46.7 Total revenue 187.8 225.6 20.1% 37.8 61.2 77.8 Earnings in 2022 include EBIT -33.9 -24.8 26.8% 9.1 -6.9 -4.4 higher integration and IT expenses 1 Adjusted presentation INVESTOR PRESENTATION Investor Relations Vienna, 11 November 2022 22 27

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