Financial Analysis and Currency Deposits

Gross loans and NPEs by Customer Type Gross loans by customer type (€ mn) 12,261 1,667 10,856 10,964 11,047 10,477 1,240 1,246 1,242 989 4,073 3,741 3,758 3,799 3,523 1,765 1,198 1,188 1,169 1,148 2,126 2,196 2,257 2,287 2,277 2,630 2,481 2,515 2,550 2,540 Dec 20 Dec 21 Mar 22 Jun 22 Jun 22 pro forma for HFS NPEs by customer type (€ mn) 3,086 805. 1,343 1,247 1,121 1,168 366 355 341 619 600 583 539 507 88 105 232 113 104 89 436 66 69 67 67 56 215 182 164 155 Dec 20 Dec 21 Mar 22 Jun 22 Jun 22 Retail other Retail Housing SMEs Large and International corporate Corporate pro forma for HFS 49 49

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