Key Financial Indicators and Balance Sheet Analysis Q1 2023

- Key financial indicators quarter Return on equity (%) Cost-to-Core income ratio (%) 53.6 47.4 13.7 12.7 12.5 1 Q1-21 Q1-22 Q1-23 Q1-21 Q1-22 Loans-to-deposits ratio (%) (without loans financed by covered bonds) Core operating income / REA (%) Net interest margin (%) 3.1 47.0 2.7 Q1-23 Q1-21 Q1-22 Capital ratio (%) 3.1 Q1-23 26.9 2.8 141 144 144 6.9 22.9 2.3 23.7 3.6 6.0 6.2 115 110 114 24.1 20.6 20.1 31.03.2021 31.03.2022 31.03.2023 Q1-21 Q1-22 Q1-23 31.03.2021 31.03.2022 31.03.2023 ■Tier 1 ratio ■ Tier 2 ratio 34

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