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Investor Presentaiton

Group Results by Business Unit Investment Commercial & Retail SE Europe Corporate (€ mn) Banking & Treasury Asset Management Other Group Jan-Jun Jan-Jun Jan-Jun Jan-Jun Jan-Jun Jan-Jun Jan-Jun 2021 2020 2021 2020 2021 2020 2021 2020 2021 2020 2021 2020 2021 2020 Operating Income 370.4 385.9 282.1 311.5 115.3 126.8 245.3 311.9 46.8 34.0 (2,114.5) (1.4) (1,054.6) 1,168.7 Net Interest Income 286.5 327.8 257.0 260.9 91.2 101.3 129.2 74.3 5.9 7.3 0.9 0.4 770.6 771.9 Net fee and Commission Income 71.2 51.3 51.5 51.2 19.0 16.7 14.3 22.4 33.8 25.1 Trading & Other 12.7 6.8 (26.3) (0.6) 5.1 8.8 101.7 215.2 7.1 1.6 (0.0) (0.1) (2,115.3) (1.7) 189.7 166.7 (2,014.9) 230.2 Operating Expenses (289.2) (273.2) (81.3) (79.4) (104.4) (111.2) (16.1) (14.3) (18.7) (17.4) (182.7) (24.0) (692.4) (519.6) Staff Costs (117.0) (111.2) (32.0) (36.0) (43.5) (47.4) (6.0) (6.0) (10.0) (9.2) (9.0) (3.9) (217.5) (213.8) General Administrative Expenses (129.1) (121.7) (34.3) (29.2) (47.5) (51.0) (8.0) (6.6) (6.3) (6.0) (71.5) (15.5) (296.6) (230.0) Depreciation & Amortisation (43.1) (40.3) (15.0) (14.3) (13.4) (12.8) (2.1) (1.7) (2.4) (2.1) (4.5) (4.6) 1 Expenses for VSS (97.7) (80.6) (75.9) (97.7) Pre Provision Income (PPI) 81.2 112.7 200.9 232.1 10.9 15.6 229.1 297.5 28.1 16.6 (2,297.1) (25.4) (1,747.0) 649.1 Impairment Losses on Loans (210.2) (280.1) 16.7 (223.4) (320.5) (64.4) (0.5) (0.2) (0.0) (0.0) (0.6) 0.0 (515.1) (568.2) Other Impairment Losses 0.0 0.0 0.0 0.0 (0.5) (0.4) (13.5) (11.9) (1.2) (0.4) 0.0 0.0 (15.2) (12.7) Profit (Loss) before tax (129.0) (167.4) 217.5 8.7 (310.2) (49.3) 215.1 285.4 26.9 16.2 (2,297.7) (25.4) (2,277.3) 68.2 1| Provision of €97.2mn for VSS and €0.5mn for senior executives' compensation plan 56 ALPHA SERVICES AND HOLDINGS
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