Investor Presentaiton

Andbank Investor 2020 Spanish Peers Andbank's risk management indicators and capital ratios show its privileged position with regard to the average of Spanish banking industry. Andbank has never sold an NPL Portfolio. NPL Ratio 2,4% 2,93% 2019 3,9% 4,0% 4,1% 3,7% TIER 1 2019 ANDBANK Private Bankers 5,4% 15,9% 14,95% 14,5% 13,9% 13,6% 13,5% 13,1% Liber bank ANDBANK CaixaBank BBVA Sabadell Bankia Bankia ANDBANK Liber bank Santander Sabadell BBVA CaixaBank Santander Source: Bloomberg 21

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