Investor Presentaiton

INTERNATIONAL Loan growth at 6%; top line benefiting from excess liquidity Key figures (in Єmm) H123 H1322 Adifference, % Net loans 4,238 3,992 6% Deposits 5,956 5,394 10% REVENUES / PROFITABILITY VOLUMES + 53€mn Revenues (H1/H1) +0.2€bn Deposits (YTD) + 39€mn Total revenues 160 108 49% Recurring Operating Profits³ (H1/H1) (94) (89) 5% expenses Normalised Profit 61 21 COST/INCOME Allocated CET1 @ 13% 419 490 (15%) Cost Income ratio 61% 87% (30%) ROCET1 ratio 1 30% 8% 87% 61% 14% Contribution to Group Revenues, H1’23 17% Contribution to Group recurring profits², H1'23 H1 22 H1 23 11 Return on FL CET1 employed capital at 13% management target. 21 Includes profit after tax from Performing Assets; Based on Normalised profit after tax. 31 Based on Normalised profit after tax +0.1€bn Net Loans (YTD) ROCET11 8% +22p.p 30% H1 22 H1 23 22 ALPHA SERVICES AND HOLDINGS

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