Financial Analysis and Currency Deposits

Well diversified loan portfolio with high quality collateral Gross loans (excluding legacy)¹ by business sector of €9.92 bn € bn Private Individuals Hotels & Catering 1.21 Real Estate 1.06 Trade 0.94 Professional 0.74 & Other services 72 1) 2) Other sectors 0.65 Construction 0.53 Manufacturing 0.40 Housing 3.70 Other Private individuals Private individuals- Business LTV2 0.69 4.39 housing €3.70 bn other €0.69 bn €5.53 bn <80% 88% 36% 69% >80% 12% 64% 31% Private Individuals: €4.39 bn • Housing performing loans: €3.70 bn . Low LTV² housing portfolio 88% of portfolio with LTV²<80% • Other: €0.69 bn • 63% secured portfolio of which: Business: €5.53 bn • 69% of business portfolio with LTV² <80% 57% with property • 43% with other type of collateral Gross loans as at 30 June 2022 of Corporate (incl. IB and W&M and Large and International corporate), SME and Retail Loan to Value (LTV) is calculated as the Gross IFRS Balance to the indexed market value of the property. Under Pillar 3 disclosures LTV is calculated as the Gross IFRS Balance to the indexed market value of collateral. Collateral takes into consideration the mortgage amount registered in the land registry plus legal interest from registration date to the reference date 47

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