Financial and ESG Performance Review

Ratings Moodys and DBRS ratings MOODY'S Long Term June 2022 Short Term DBRS April 2022 Long Term Short Term Baseline credit assessment (BCA) Adjusted baseline credit assessment (BCA) b2 50 Intrinsic assessment B (high) b2 50 Counterparty risk rating Ba2 Counterparty risk Ba2 (cr) NP (cr) assessment Debt Ba3 Deposits NP Positive Outlook B3 Issuer rating NP B (high) Trend Stable R-4 Trend Stable Deposits BB (low) Trend Stable R-4 Trend Stable B (high) Trend Stable R-4 Trend Stable Critical obligations rating BB (high) Trend Stable Senior unsecured debt Positive Outlook Subordinated Debt Subordinated debt B3 B (low) R-3 Trend Stable Trend Stable novobanco 55

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