ICO Green and Social Bonds

Instituto de Crédito Oficial Total Assets (EUR billion) 36.2 34.4 31.8 Financial highlights (II) TIER I capital ratio % 37.8 41% 41% 29.8 37% 35% 34% 2018 2019 2020 2021 dec22* 2018 2019 2020 2021 dec22* 8% 7% 6% 5% 4% 3% 2% 1% 0% 2018 NPL Ratios % Provision coverage ratio % 168% 154% 3.77% 3.67% 2.31% 171% 157% 145% 2019 2020 2021 dec22* 2018 2019 2020 2021 dec22* ICO Direct Loans ICO Total Loans (incl. mediation) Total Spanish Financial System Source: ICO *unaudited figures 16

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