Investor Presentaiton

B. Preliminary Group Financial Results - Underlying Basis Unaudited Consolidated Income Statement € mn FY2022 FY2021 (restated)1 4Q2022 3Q2022 2Q2022 1Q2022 gog +% yoy +% Net interest income 370 296 136 89 74 71 53% 25% Net fee and commission income 192 172 50 48 50 44 4% 12% Net foreign exchange gains and net gains/(losses) on financial 36 25 12 13 5 60 -8% 45% instruments Insurance income net of claims and 71 61 23 23 15 17 16 53% 17% commissions Net gains/(losses) from revaluation and disposal of investment 13 properties and on disposal of stock 13 13 2 4 2 5 -36% 4% of properties Other income 17 14 5 3 LO 5 4 57% 17% Total income 699 581 228 172 153 146 33% 20% Staff costs (190) (202) (44) (46) (50) (50) -6% -6% Other operating expenses (153) (145) (45) (35) (37) (36) 25% 5% Special levy on deposits and other (38) (36) (11) (10) (7) (10) 17% 6% levies/contributions Total expenses (381) (383) (100) (91) (94) (96) 9% -1% Operating profit 318 198 128 81 59 50 60% 62% Loan credit losses (47) (66) (11) (13) (11) (12) -10% -30% Impairments of other financial and (33) (36) (13) (7) (8) (5) 72% -9% non-financial assets Provisions for pending litigations, regulatory and other matters (net of (11) 2 (8) ล (1) (0) 202% reversals) Total loan credit losses, (91) (100) (32) (22) (20) (17) 42% -8% impairments and provisions Profit before tax and non- 227 98 96 59 39 33 67% 133% recurring items Tax (36) (5) (16) (8) (6) (6) 94% Profit attributable to non-controlling (3) (2) (1) (1) (1) 0 -16% 32% interests the owners of the Company) costs organic Profit after tax and before non- recurring items (attributable to Advisory and other restructuring Profit after tax - organic (attributable to the owners of the 177 Company) Provisions/net profit/(loss) relating 188 91 79 50 50 32 32 24 27 64% 107% (11) (22) (1) (5) (4) (1) -70% -48% 69 69 78 45 45 28 26 78% 155% 1 to NPE sales² (7) 2 (1) 1 (1) -109% Restructuring and other costs relating to NPE sales² (3) (16) 0 (2) 0 (1) -79% -82% Restructuring costs - Voluntary Staff Exit Plan (VEP) (104) (16) . (101) Profit/(loss) after tax (attributable 71 30 80 to the owners of the Company) 60 (59) 29 29 21 27 (3) -100% 139% 6

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