Investor Presentaiton

Andbank Investor 2020 ANDBANK Private Bankers Asset side - Cash & Central Banks vs Banks & Credit Institutions 2012 2013 2014 2015 2016 2017 2018 2019 Since 2012, Andbank has increased Cash, Central Banks 42 37 77 Banks & Credit Institutions 538 580 liquidity in cash and central banks Total Assets 580 617 1.311 41 1.270 1.030 1.107 1.737 1.661 1.433 941 959 843 740 796 702 590 319 1.059 But moving to consolidate efficiency under an overall high degree of liquidity. Cash & central banks (MM €) Banks & credit institutions (MM €) 1.270 42 37 41 77 T 941 959 843 740 2012 2013 2014 2015 2016 2017 2018 2019 538 580 1.030 796 702 illi II 590 319 2012 2013 2014 2015 2016 2017 2018 2019 Andbank gained direct access to the ECB through its Banks in Spain, Luxembourg and Monaco. Figures in MM€ Systemic Risks have been dramatically reduced. 23 23

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