Investor Presentaiton

Wholesale Banking lending credit outstandings" Loan portfolio is well diversified across geographies... Wholesale Banking ...and sectors Wholesale Banking Real Estate, Infra & Construction Commodities, Food & Agri TMT & Healthcare Transportation & Logistics Diversified Corporates Financial Institutions Other 1% 13% NL 13% 2% 10% Belux Germany Other Challengers €259 Growth Markets 16% bln 8% UK 1% European network (EEA)²) 14% 8% 8% 6% North America 2% 9% 30% 11% €259 bln 8% Energy 10% European network (non-EEA) 18% 12% Americas (excl. North America) Wholesale Banking Asia 17% 15% 2% 11% 10% €34 bln 24% 21% Asia Africa ■ Japan China³) I Hong Kong ■Singapore ■South Korea ■India Rest of Asia Selected countries/sectors Russia ■ €1.7 bln offshore exposure), of which €0.6 bln with ECA or CPRI cover Equity-at-risk Russian subsidiary €0.3 bln ■ ~€0.9 bln has already been included in CET1 capital to cover for expected and unexpected losses through LLP (~€0.3 bln) and RWA (€0.6 bln equivalent of €4.7 bln CRWA at 12.5%) 1) Lending and money market credit outstandings, including guarantees and letters of credit, excluding undrawn committed exposures (off-balance sheet positions) 2) European Economic Area 3) Excluding our stake in Bank of Beijing (€1.6 bln at 30 June 2023) 4) Lending credit outstandings, money market, investment and pre-settlement, including guarantees and letters of credit, excluding undrawn committed exposures (off balance positions) 23

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