Investor Presentaiton

NII and Net Fee and Commission income decomposition NII decomposition € mn Net Fee and Commission income decomposition € mn 391 400 382 388 371 29 52 38 40 26 105 25 85 84 84 77 23 24 24 15 20 20 88 16 9 15 12 13 5 LO 385 393 391 397 375 6 5 34 26 34 28 28 42 26 18 14 16 15 17 6 (49) (6) (52) (55) (56) (56) Q2 20 Q3 20 Q4 20 Q1 21 Q2 21 Q2 20 Q3 20 Q4 20 Q1 21 Q2 21 ☐ Bonds & other Loans ■Funding □ Deposits Business credit related Asset management Bancassurance Cards & Payments Other Note: NII decomposition updated in line with new internal management reports, achieving greater analysis of customer data resulting in the most precise separation of recurring NII from one-off events (denomination N.3869, denounced etc.). This analysis also led to the most accurate implementation of the Bank's FTP policy. 26 ALPHA SERVICES AND HOLDINGS

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