International Presence and Activities

FINANCIAL FIGURES PROFITABILITY EUR mln Revenues -2.8% Operating Costs Net Interest +0.5% -14.5% 432 420 221 222 325 278 310 166 211 204 110 141 100 54 71 4Q19 1Q20 2Q20 3Q20 4Q20 4Q19 1Q20 2Q20 3Q20 4Q20 4Q19 1Q20 2Q20 3Q20 4Q20 Profit After Tax and Dividend Payout EUR mln 200 80% 150 80% 100 156 50 125 50 0 2018 114 91 85 2019 Dividend payout Profit after tax The Revenues of the bank have decreased year over year. The decrease is driven primarily by lowering the interest rates The bank showed slight rise of operating costs (0.5%) NII was primarily impacted by the low interest rates also coming from increasing competition on the Mortgage and Consumer loans market, partially compensated by the increasing volumes ROE (on yearly basis) -3.1% 2020 Cost / Income Ratio ROA (on yearly basis) (excl. Bank Levy) +1.9% -0.3% 9.9% 0.8% 6.8% 0.6% 4.6% 5.6% 0.4% 0.5% 3.7% 0.3% 4Q19 1Q20 2Q20 3Q20 4Q20 4Q19 1Q20 2Q20 3Q20 4Q20 51.0% 54.6% 54.3% 53.5% 53.0% 4Q19 1Q20 2Q20 3Q20 4Q20 -> ROE down 3.1% due to significant decrease of the profit (lower revenue and higher provisions) ROA shows negative development YoY with lower net income and increase of total assets C/I ratio increased by 1.9% due to lower income mainly Source: Individual financial statements as of 31 December 2020 30

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