RBI Quarterly Reports

Consolidated profit excluding Russia and Belarus remains strong

• Consolidated profit of EUR 333 million, excluding Russia and Belarus and including EUR 109 millionprovisions for CHF mortgages in Poland
• Core revenues excluding Russia and Belarus down 4% quarter-over-quarter to EUR 1,519 million,mainly driven by lower interest rates and seasonal effects
• Lower provisioning for impairment losses: EUR 3 million for the Group excluding Russia andBelarus
• CET1 ratio excluding Russia unchanged at 14.6% (Group CET1 ratio at 17.3%)
•  Customer loans in Russia down 58% since peak in Q2/2022 to EUR 5.8 billion as part of de-risking approach to Russia
• The 2024 guidance for the Group including Russia and Belarus has as been suspended in light of the ECB’s requirement to accelerate business reduction in Russia