Investor Presentaiton

Well diversified loan portfolio with high quality collateral Gross loans (excluding legacy)¹ by business sector of €9.54 bn € bn Private Individuals Hotels & Catering Real Estate Trade Professional 0.63 & Other services 1) 2) Other sectors 0.63 Construction 0.46 Manufacturing 0.32 0.94 1.15 1.13 Housing 3.59 Other LTV2 Housing €3.59 bn Other €0.69 bn Business €5.26 bn 0.69 4.28 <80% 88% 35% 71% >80% 12% 65% 29% Private Individuals: €4.28 bn Housing performing loans: €3.59 bn Low LTV² housing portfolio • Other: €0.69 bn • 62% secured portfolio of which: • 88% of portfolio with LTV2<80% • 57% with property • 43% with other type of collateral Business: €5.26 bn • 71% of business portfolio with LTV² <80% Gross loans as at 31 December 2021 of Corporate (incl. IB and W&M and Global Corporate), SME, Retail, and H/O 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 57

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