Investor Presentaiton

Glossary (2/4) Reference Terms number "Income from financial 18 operations" or "Trading Income" 19 Income tax 20 Leverage Ratio Loan to Deposit ratio 22 21 22 Net Interest Margin Net Loans 23 23 Definitions Sum of Gains less losses on derecognition of financial assets measured at amortised cost and Gains less losses on financial transactions, as derived from the Consolidated Income Statement of the reported period, less management adjustments on trading income for the corresponding period.Management adjustments on trading income include events that do not occur with a certain frequency, and events that are directly affected by the current market conditions and/or present significant variation between the reporting periods. The figure equals Income tax as disclosed in the Consolidated Financial Statements of the reported period, less management adjustments on income tax for the corresponding period. Management adjustments on income tax include events that do not occur with a certain frequency, and events that are directly affected by the current market conditions and/or present significant variation between the reporting periods. This metric is calculated as Tier 1 divided by Total Assets (52). Net Loans (23) divided by Deposits (8) at the end of the reported period. Net interest income for the period (annualised) divided by the average Total Assets (52) of the relevant period. Average balance is defined as the arithmetic average of balance at the end of the period and at the end of the previous relevant period. Loans and advances to customers as derived from the Consolidated Balance Sheet of the reported period. Accumulated Provisions and FV adjustments (1) plus CET 1 deductions used to cover calendar provisioning shortfall divided by NPES (27) at the end of the reference period NPES (27) divided by Gross Loans (12) at the end of the reference period. 24 Non Performing Exposure Coverage 25 Non Performing Exposure ratio 26 Non Performing Exposure Total Coverage Accumulated Provisions and FV adjustments (1) plus the value of the NPE collateral, plus CET 1 deductions used to cover calendar provisioning shortfall divided by NPES (27) at the end of the reported period. 27 Non Performing Exposures 28 Non Performing Exposures Collateral Coverage 24 29 29 30 Non Performing Loan Collateral Coverage Non Performing Loan Coverage 30 31 Non Performing Loan ratio 32 33 33 Non Performing Loan Total Coverage Non Performing Loans Non-performing exposures (27) are defined according to EBA ITS on forbearance and Non Performing Exposures as exposures that satisfy either or both of the following criteria: a) material exposures which are more than 90 days past-due b)The debtor is assessed as unlikely to pay its credit obligations in full without realisation of collateral, regardless of the existence of any past-due amount or of the number of days past due. Value of the NPE collateral divided by NPES (27) at the end of the reference period. Value of collateral received for Non Performing Loans (27) divided by NPLs (33) at the end of the reference period. Accumulated Provisions and FV adjustments (1) plus CET 1 deductions used to cover calendar provisioning shortfall divided by NPLs (33) at the end of the reference period. NPLs (33) divided by Gross Loans (12) at the end of the reference period. Accumulated Provisions and FV adjustments (1) plus the value of the NPL collateral, plus CET 1 deductions used to cover calendar provisioning shortfall divided by NPLs (Non Performing Loans) at the end of the reference period. Non Performing Loans (33) are Gross loans (12) that are more than 90 days past-due. Relevance of the metric Abbreviation Standard banking terminology Standard banking terminology Standard banking terminology Liquidity metric Profitability metric Standard banking terminology Asset quality metric Asset quality metric Asset quality metric Asset quality metric Asset quality metric Asset quality metric Asset quality metric Asset quality metric Asset quality metric Asset quality metric LDR or L/D ratio NIM NPE (cash) coverage NPE ratio NPE Total coverage NPES NPE collateral Coverage NPL collateral Coverage NPL (cash) Coverage NPL ratio NPL Total Coverage NPLs 73 ALPHA SERVICES AND HOLDINGS

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