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B. Preliminary Group Financial Results- Underlying Basis (continued) Unaudited Consolidated Balance Sheet € mn 31.12.2022 31.12.2021 +% Cash and balances with central banks 9,567 9,231 4% Loans and advances to banks 205 292 -30% Debt securities, treasury bills and equity investments 2,703 2,139 26% Net loans and advances to customers 9,953 9,836 1% Stock of property 1,041 1,112 -6% Investment properties 85 118 -28% Other assets 1,881 1,876 0% Non-current assets and disposal groups held for sale 0 359 -100% Total assets 25,435 24,963 2% Deposits by banks 508 457 11% Funding from central banks 1,977 2,970 -33% Customer deposits 18,998 17,531 8% Debt securities in issue 298 303 -2% Subordinated liabilities Other liabilities 302 340 -11% 1,251 1,281 -2% Total liabilities 23,334 22,882 2% Shareholders' equity Other equity instruments 1,859 1,839 1% 220 220 Total equity excluding non-controlling interests 2,079 2,059 1% 22 22 -1% 2,101 2,081 1% 25,435 24,963 2% Non-controlling interests Total equity Total liabilities and equity Key Balance Sheet figures and ratios 31.12.2022 31.12.20211 Gross loans (€ mn) 10,217 10,856 -6% Allowance for expected loan credit losses (€ mn) 282 792 -64% Customer deposits (€ mn) 18,998 17,531 8% Loans to deposits ratio (net) 52% 57% -5 p.p. NPE ratio NPE coverage ratio Leverage ratio 4.0% 12.4% -8.4 p.p. 69% 7.5% 59% +10 p.p. 7.5% Capital ratios and risk weighted assets Common Equity Tier 1 (CET1) ratio (transitional)² 31.12.2022 31.12.20211 15.4% Total capital ratio (transitional) 20.6% 15.1% 20.0% 30 bps 60 bps Risk weighted assets (€ mn) 10,114 10,694 -5% 1. Including the NPE portfolios classified as "Non-current assets and disposal groups held for sale", where relevant. 2. The CET1 fully loaded ratio as at 31 December 2022 amounts to 14.7% (compared to 13.5% and 13.9% pro forma for Helix 3 as at 30 September 2022 and to 13.7% and 14.3% pro forma for HFS as at 31 December 2021). p.p. = percentage points, bps = basis points, 100 basis points (bps) = 1 p.p. 8

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