ESG Strategy and Digital Transformation

NPE Coverage and Total coverage by segment Coverage and collateral maintained Tangible Collateral¹ Allowance for expected loan credit losses Corporate €206 m n Global Corporate: €55 mn SME €89 mn Retail-Housing €307mn Retail-Other €114 mn Total €771 mn 184% 174% 175% 167% 58% 64% 64% 136% 138% 140% 131% 132% 133% 133% 135% 131% 127% 86% 123% 124% 124% 127% 128% 129% 109% 102% 105% 103% 52% 37% 34% 32% 68% 72% 73% 74% 85% 58% 87% 87% 91% 59% 62% 69% 68% 69% 68% 72% 126% 110% 111% 81% 71% 71% 57% 65% 69% 63% 60% 63% 64% 64% 62% 62% 59% 59% 61% 55% 52% 46% 46% 44% Dec 20 Sep 21 Dec 21 Dec 21 forma 2 Dec 20 Sep 21 Dec 21 Dec 21 Dec 20 Sep 21 Dec 21 Dec 21 pro pro forma² pro forma² Dec 20 Sep 21 Dec 21 Dec 21 pro forma 2 Dec 20 Sep 21 Dec 21 Dec 21 forma 2 Dec 20 Sep 21 Dec 21 Dec 21 pro pro forma² 1) Restricted to Gross IFRS balance 2) Pro forma for HFS 61

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