Investor Presentaiton

Very solid liquidity structure High liquidity ratios Liquidity coverage ratio NSFR 153% 134% Loan to deposit ratio 87% Liquidity reserve Funding mix High proportion of deposits and low dependence on MLT wholesale resources³ 5% 2% 2023 Funding plan Achieved at 81% as at 31/07/2023 4% 4% Covered bonds SP & SNP ATI €0m T2 €0m €235bn 89% Deposits 17% Wholesale ATI & Tier 2 SNP €1,500m 85% Retail deposits SP €1,500m Corporate deposits CB €2,500m 63.8 56.4 54.4 2 Data as at 30/06/2023 53.6 45.5 SECURITIES Latest public issuances January 2023 - Social Covered Bond €1,250m MS +27 bps maturity 8Y 50.6 CUSHION UNENCUMBERED 42.8 49.1 52.1 Level 1 LIQUID SECURITIES January 2023 - Senior Non Preferred €750m MS +155 bps maturity 7Y 37.4 (HQLA)¹ April 2023 - Senior Preferred €1,000m MS+85 bps maturity 5Y 3.9 5.4 5.5 31/12/2020 4.3 3.0 5.1 3.0 9.3 31/12/2021 31/12/2022 30/06/2023 High quality unencumbered liquid securities (HQLA) 2.3 30/06/2023 Level 2 April 2023 - Covered Bond €1,000m MS+22 bps maturity 5Y June 2023-Senior Preferred (CHF) CHF180m SARON MS+82 bps 4Y CHF150m SARON MS+95 bps 7Y Other eligible securities ECB Cash and Central bank 1. High-Quality Liquid Securities (HQLA): HQLA are assets that can be easily and immediately converted into cash with little or no loss of value. INVESTOR PRESENTATION - SEPTEMBER 2023 26 LA BANQUE POSTALE

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