Investor Presentaiton

Gross loans and NPEs by Customer Type Gross loans by customer type (€ mn) 12,261 1,667 10,864 10,856 10,282 1,293 1,240 987 4,073 3,698 3,741 3,464 1,765 1,222 1,198 1,173 2,126 2,186 2,196 2,186 2,630 2,465 2,481 2,472 Dec 20 Sep 21 Dec 21 Dec 21 pro forma for HFS NPEs by customer type (€ mn) 3,086 805. 1,449 1,121 1,343 412 366 619 771 608 583 114 105 307 134 113 436 66 89 66 55 229 215 206 Dec 20 Sep 21 Dec 21 Dec 21 Retail other Retail Housing SMEs Global Corporate Corporate pro forma for HFS 60

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