Investor Presentaiton

Q2 2023 Group Balance Sheet Balance Sheet (€ bn) Jun-23 Mar-23 Jun-22 9/9 Tangible Book Value Group, € mn +7% Assets Securities 72.9 73.7 75.8 (0.8) 5.9 15.5 14.7 12.4 0.9 5.8 5.7 5.7 Cash & Cash Balances 6.6 8.3 11.6 (1.7) Net Loans ECB balances Deposits 38.7 38.2 38.1 0.5 5.0 9.0 13.0 (4.0) 51.8 50.2 48.5 1.6 +4% 6.1 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 CET1 (Fully loaded) Group, € bn +10% Tangible Equity 6.1 5.9 5.7 0.2 +4% 4.3 CET1 ratio (Fully loaded)1 13.6% 12.8% 11.7% Total Capital ratio (Fully loaded)1 18.0% 17.1% 14.7% 4.2 4.0 4.0 3.9 NPE ratio 7.6% 7.6% 8.2% Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 NPE Cash Coverage 40% 40% 40% 1| Pro-forma for remaining RWA relief of transactions 12 ALPHA SERVICES AND HOLDINGS

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