Financial Analysis and Currency Deposits

% of total 9% 1.18 1.04 1.02 1.03 0.97 Trade Gross loans by economic activity (€ bn) 4% Analysis of gross loans and NPE ratio by Economic activity 0.44 0.36 0.41 NPE ratio by economic activity Manufacturing 0.44 0.42 1.19 1.18 1.20 1.23 1.22 Hotels & Restaurant 6% 11% 11% 0.79 0.55 0.62 0.60 0.57 Construction 1.27 1.30 Real Estate 1.18 1.19 1.17 Trade Manufacturing Hotels & Restaurant Construction Real Estate Private Individuals Professional and other services Other sectors 5.83 46% Dec 20 Dec 21 Mar 22 Jun 22 Jun 22 pro forma for HFS 5.06 5.06 5.10 4.71 0.89 0.71 0.80 0.79 0.76 7% 6% Private Individuals Professional and Other sectors other services 1.2% 52 0.67 0.66 0.67 0.67 0.66

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