Sustainability Bonds Framework

Strong Capital and Liquidity Position (As at 31 December 2023] Capital and liquidity ratios, IFRS consolidated 31 December 2023 Basel III solvency ratio (Common Equity Tier 1, IFRS consolidated basis, 13% internal limit, 11.75% regulatory limit + 1% countercyclical buffer requirement on French exposures from 1st Jan. 24) 13.23% Leverage ratio 8.86% (Public development credit institutions CRR2, IFRS consolidated basis, 3% regulatory limit) LCR ratio 541% (regulatory limit 100%) NSFR ratio (regulatory limit 100%) 231% NCRR ratio 80% (internal liquidity ratio, limit 80% - 125%) 30 • As at 31 December 2023, Agence France Locale - Société Territoriale completed 38 capital increases: • Committed capital amounts to €294 M Prudential capital amounts to €207 M The level of capitalization and liquidity favorably underpins the creditworthiness of AFL which is rated: Aa3 (stable) / P-1 by Moody's AA- (stable) / A-1+ by Standard & Poor's CAFL Lo bonque des collectivités

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