ICO Green and Social Bonds

Instituto de Crédito Oficial Top quality guarantee Direct Explicit Irrevocable Unconditional Credit: key points S&P A / Stable DBRS A / Stable Fitch Moody's A- / Stable Baa1 / Stable Guaranteed by the Kingdom of Spain 0%* risk weighted * Minimum risk applicable in accordance with European Prudential Regulations. Prudent risk management Minimizing rate, currency and liquidity risks Sound balance sheet 18

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