Investor Presentaiton

Credit Quality NPL evolution Total Reserves(1) for loans and advances 138% 5.84% 5.81% 5.98% 6.43% 6.71% 5.83% 124% 101% 87% 81% 77% 2018 2019 2020 2021 2022 Jun-23 2018 2019 2020 2021 2022 Jun-23 Cost of risk (1) June-2023 (2) 2.22% 2.09% 1.78% 1.59% 1.61% 1.66% Percentage on total loans Provision coverage Stage 1 60.36% Stage 2 Stage 3 32.93% 6.71% 0.22% 5.92% 70.08% June-2022 2018 2019 2020 2021 2022 Jun-23 Stage 1 Stage 2 Stage 3 Percentage on total loans Provision coverage 63.97% 30.08% 0.28% 5.01% 5.95% 63.28% Note (1) Includes expected credit losses (ECL) Note (2) Stage 3 provision includes interest in suspense 17

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