Investor Presentaiton

Uplift in business units' profitability and reallocation of capital driving improvement in Group returns Business Unit ROCET11 Retail Wholesale ³ 3 Wealth & Treasury4 International NPAs 5 & Other 10% FY 22 H1 23 24% 21% 18% 20% 31% 11% 30% (19%) (22%) Group 16.5% 12.2% (4.3%) 9.5% ROCET1 ROCET1 % of Group RWA FY 22 H1 23 18% 19% 43% 43% 11% 13% 9% 10% 19% 14% Deferred Tax Assets (DTAs) 1| Return on FL CET1 employed capital at 13% management target as presented in the Investor Day, 3| 2022 calculated over normalized Cost of Risk, i.e excluding reversals, 4| 2022 Normalized for one-off trading gains, 5| Non- Performing Assets, 6| Based on normalized profit after tax over average Tangible Equity; Calculated after deduction of AT1 coupon payments; Adjusted excluding capital above management target ROTE H1 23 6 9 ALPHA SERVICES AND HOLDINGS

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