Investor Presentaiton

Strong CEE franchise offsets temporary losses in Ukraine and Russia; the Group performance may be similar to 2021 performance without the Russian and Ukrainian operations PROFITABILITY 2021/1Q 20221 SIZE & GROWTH CAPITAL STRENGTH ASSET QUALITY FUNDING & LIQUIDITY Profit after tax €1.27bn/-€0.09bn Total assets €74.7bn/€77.9bn CET1 ratio 17.5% / 16.2% Stage 3 ratio Net LTD 5.3% / 5.2% 75% / 74% ROE 17.0% / -4.6% Loan growth +15% / +3% CAR 19.1% / 17.8% Risk cost rate 0.30% / 1.42% LCR 180% / 224% ➤ Stable management ➤ Adjusted profit after tax without Russia and Ukraine demonstrates resilience Stable asset quality with prudent provision coverage levels ➤ Decent capital standing supported by historically strong capital generation ➤ Ample liquidity reserves, light redemption profile Strong commitment to regional leadership position in financing the transition to a low carbon economy 1 Based on IFRS financial statements for 31 December 2021 and 31 March 2022, or derived from those, see Footnotes and glossary in Appendix. Cotpbank 4

View entire presentation