Investor Presentaiton

RETAIL Uplift in profitability as deposit beta remains subdued Key figures (in Єmm) H123 H122 Adifference, % Net loans 9,014 9,260 (3%) Deposits 33,347 30,984 8% REVENUES / PROFITABILITY Total revenues 371 251 48% Recurring Operating (200) (211) (5%) expenses Normalised Profit 98 11 Allocated CET1 @ 13% 810 855 (5%) Cost Income ratio 56% 85% (34%) ROCET1 ratio 1 24% 3% 85% 33% Contribution to Group Revenues, H123 28% Contribution to Group recurring profits², H1'23 VOLUMES + €120mn Revenues (H1/H1) + €87mn Profits³ (H1/H1) + €0.7bn Deposits (YTD) + €0.8bn Disbursements (YTD) COST/INCOME 56% 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 ROCET11 3% +21p.p 24% H1 22 H1 23 19 ALPHA SERVICES AND HOLDINGS

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