Financial and ESG Performance Review

1 Lower YTD stage 2 exposure mainly from debtors with moratorium concessions during 2021 reverting to Stage 1 Loan Portfolio1 by Stages Stage 3: Coverage by type ~47% of stage 3 loans Impairment RE Collateral Backstop GBV Stage 3 are under the CCA; with Stage 2 7% 18% 7% 5% no full servicing rights 16% 15% Stage 1 75% 77% 80% Corporate 51% 55% 4% 110% €1.2bn Mortgage 29% 97% 125% €0.1bn Dec-21 Jun-22 Dec-22 Coverage ratios² Consumer 79% 15% 95% €0.1bn Stage 2 7.3% Stage 3 7.4% 7.8% 52.1% 53.5% 55.1% Stage 3 at €1.4bn GBV (€0.7bn NBV), with 55% coverage by specific impairments and backstop novobanco (1) Excludes credit institutions; Preliminary figures; (2) Stage 2 Specific provisions; Stage 3 includes backstop 23 23

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