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Investor Presentaiton

DOMESTIC LOANS AND DEPOSITS PREVAIL IN BANKS' OPERATIONS Banking sector focuses primarily on servicing domestic clients 30 25 20 15 bEUR 10 5 Banking sector assets 30 bEUR 25 25 20 15 10 5 0 0 2018 2019 2018 2019 2020 2021 2022 2023 ■Cash and claims on MFI * Loans to other Baltic states ■Securities ■Loans to domestic clients Loans to foreign clients ■Other assets 26 Source: Latvijas Banka Banking sector liabilities 2020 2021 2022 2023 Other liabilities&equity Foreign deposits Deposits form other Baltic states deposits ■Domestic deposits MFI ■LB operations

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