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Investor Presentaiton

31.1% 24.9% 14.1% 10.8% 9.9% Trade 1.36 1.18 1.03 1.04 1.04 NPE ratio by economic activity 26.9% 23.0% 12.8% 12.5% 11.3% Trade Manufacturing Hotels & Restaurant 6.7% 5.0% 2.6% 2.2% 1.9% 0.47 % of total 10% 0.44 0.38 Manufacturing 0.37 0.36 3% Analysis of gross loans and NPE ratio by Economic activity Gross loans by economic activity (€ bn) 1.08 1.19 1.17 1.17 1.18 Hotels & Restaurant Construction 11% 5% 12% 0.85 0.79 0.62 0.62 0.55 Real Estate 1.29 1.27 1.24 1.21 1.30 47% 6.02 5.83 5.08 5.06 5.06 1.00 0.89 0.75 0.75 0.71 Private Individuals Professional and Other sectors other services Construction Real Estate Private Individuals Professional and other services Other sectors 63 3.4% Dec 19 Dec 20 Jun 21 Sep 21 Dec 21 6% 0.75 0.67 0.62 0.64 0.66 6%
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