Investor Presentaiton

ECONOMICS KPIS GROSS OPERATING MARGIN (€/M) 274 6.00% TOTAL OPERATING EXPENSES (€/M) 314 98 5.90% 2.15% 91 1.71% 2021 Gross Operating Margin 2022 2021 2022 Gross Operating Margin as a % of Average Earning Assets EoP Total Operating Expenses Total Operating Expenses as a % of Average Earning Assets EoP COST OF RISK (CREDIT LOSSES) (€/M) OPERATING PROFIT (€/M) 18 204 15 0.32% 2021 Credit Losses (€-M) 0.34% 2022 Credit Losses as a % of Average Earning Assets EoP 161 3.53% 2021 Operating Profit 3.84% 2022 Operating Profit as a % of Average Earning Assets EoP 13 LEASYS

View entire presentation