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Investor Presentaiton

B. Preliminary Group Financial Results - Underlying Basis (continued) B.3. Income Statement Analysis (continued) B.3.4 Profit after tax (attributable to the owners of the Company) € mn FY2022 FY2021 (restated¹) 4Q2022 3Q2022 2Q2022 1Q2022 gog +% Profit before tax and non- 227 98 96 59 39 33 67% yoy +% 133% recurring items Tax (36) (5) (16) (8) (6) (6) 94% Profit attributable to non- controlling interests (3) (2) (1) (1) (1) 0 -16% 32% Profit after tax and before non-recurring items 188 91 79 (attributable to the owners of 50 50 32 27 64% 107% the Company) Advisory and other restructuring (11) (22) (1) (5) (4) (1) -70% -48% costs - organic Profit after tax - organic (attributable to the owners of 177 69 78 45 49 28 26 78% 155% the Company) Provisions/net profit/(loss) 1 relating to NPE sales² (7) 2 (1) 1 (1) -109% Restructuring and other costs relating to NPE sales² (3) (16) 0 (2) 0 (1) -79% -82% Restructuring costs – Voluntary (104) (16) (101) (3) -100% Staff Exit Plan (VEP) Profit/(loss) after tax (attributable to the owners of 71 30 80 (59) 29 21 139% the Company) 1. Comparative information was restated following a reclassification of approximately €1 million loss relating to disposal/dissolution of subsidiaries and associates from 'Net foreign exchange gains and net gains/(losses) on financial instruments' to 'Other income' 2. Including the NPE portfolios classified as "Non-current assets and disposal groups held for sale", where relevant. The tax charge for 4Q2022 is €16 mn, up 94% qoq and totalled to €36 mn for FY2022, compared to €5 mn for FY2021. Profit after tax and before non-recurring items (attributable to the owners of the Company) for FY2022 is €188 mn, compared to €91 mn for FY2021. Return on Tangible Equity (ROTE) before non-recurring items calculated using 'profit after tax and before non-recurring items (attributable to the owners of the Company)' amounts to 11.3% for FY2022, compared to 5.5% for FY2021. Profit after tax and before non-recurring items (attributable to the owners of the Company) for 4Q2022 amounted to €79 mn, reflecting a ROTE before non-recurring items of 19.1%, compared to €50 mn for 3Q2022 (and a ROTE before non-recurring items of 11.7%). - Advisory and other restructuring costs – organic for FY2022 amounted to €11 mn, compared to €22 mn for FY2021, down by 48% yoy mainly due to ad-hoc cost related to the tender offer for Existing Tier 2 Capital Notes amounting to €12 mn in FY2021. Advisory and other restructuring costs - organic for 4Q2022 amounted to €1 mn, compared to €5 mn for 3Q2022 and relate to the transformation programme and other strategic projects of the Group. Profit after tax arising from the organic operations (attributable to the owners of the Company) for FY2022 amounted to €177 mn, compared to €69 mn for FY2021. Profit after tax arising from the organic operations (attributable to the owners of the Company) for 4Q2022 is €78 mn, compared to €45 mn for 3Q2022, up 78% qoq. Provisions/net profit/(loss) relating to NPE sales for FY2022 amounted to a profit of €1 mn, compared to a loss of €7 mn for FY2021 (relating to Helix 2 and Helix 3). Provisions/net profit/(loss) relating to NPE sales for 4Q2022 was a net profit of €2 mn, compared to a net loss of €1 mn in 3Q2022. Restructuring and other costs relating to NPE sales for FY2022 was €3 mn, compared to €16 mn for FY2021 (relating to the agreements for the sale of portfolios of NPEs). Restructuring and other costs relating to NPE sales for 4Q2022 is nil compared to €2 mn for 3Q2022. Restructuring costs relating to the Voluntary Staff Exit Plan (VEP) amounted to €104 mn for FY2022, compared to €16 mn for FY2021. For further details please refer to Section B.3.2 'Total expenses'. Profit/(loss) after tax attributable to the owners of the Company for FY2022 was a profit of €71 mn, compared to a profit of €30 mn for FY2021. Profit/(loss) after tax attributable to the owners of the Company for 4Q2022 amounted to a profit €80 mn, compared to a loss of €59 mn for 3Q2022. 23 33
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