Investor Presentaiton

723 1) 2) 3) 2022 Targets exceeded Net interest income Cost to income ratio¹ Recurring ROTE² NPE ratio 2022 guidance (November 2022) >€350 mn FY2022 €370 mn Low-50s 49% c.10% 11.3% <5% 4.0% Cost of risk Mid-40 bps 44 bps CET1 ratio³ Supported by a CET1 ratio of 13.5%-14.5% 15.4% Excluding special levy on deposits and other levies/contributions Recurring ROTE: calculated as Profit after Tax and before non-recurring items divided by (average Shareholders' equity minus Intangible assets) Allowing for IFRS 9 and temporary treatment for certain FVOCI instruments' transitional arrangements 7

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