Investor Presentaiton

Andbank Investor 2020 Solid Balance Sheet Sustainable growth AuMs (MM€) 23.842 21,774 Liquidity ROE LCR LtD 360% 5,4% 5,4% 267% ANDBANK Private Bankers 56,80% 55,14% Var. +2.1 bn Var. -93% Var. +1,66% Dec 19 Dec'18 Dec 19 Dec'18 Dec'19 Dec 19 Dec 19 Dec'18 Capital TIER 1 CET1 15,76% 14.95% Dec'19 Dec 18 Var. -0.81% Solvency calculated with CRR criteria 13.09% 12.44% Dec'19 Dec 18 Var. -0,65% Asset Quality NPL ratio 3.65% 2.93% Dec 19 Dec 18 Var. -0,72% Coverage ratio 100,5% 104% Var. -3,5% Dec'19 Dec'18 19

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