Credit quality of the main Italian banking groups Data as of 30 September 2020 - gross exposure - in mln euros Expired Total performing Credits to NPL UTP/ Banking group Npl Utp credits Total Npe credits customers NPE ratio ratio Total Npe Credem 526 390 64 979 27.815 28.794 3,40% 1,83% 40% 10024 11.806 874 22.704 461.791 484.495 4,69% 2,07% 52% (alone) 17.038 11.041 875 28.954 392.962 421.916 6,86% 1,45% 38% Intesa Sanpaolo with UBI Banca 20.383 14.236 953 35.572 474.830 510.402 6,97% 3,99% 40% UBI Banca (alone) 3.345 3.195 78 6.618 81.868 88.486 7,48% 3,78% 48% Banco Bpm 3.610 6.080 0,1 9.690 104.064 113.754 8,52% 3,17% 63% BPER 2.358 2.356 183 4.896 50.571 55.468 8,83% 4,25% 48% Mps 6.287 4.892 266 11.444 81.947 93.391 12,25% 6,73% 43% Total 7 43.187 39.759 2.339 85.285 1.201.019 1.286.304 6,63% 3,36% 47%

Data as of 30 June 2020 - gross exposure - in million euros Expired Total performing Credits to NPL UTP/ Banking group Npl Utp credits Total Npe credits customers NPE ratio ratio Total Npe Credem 532 406 67 1.005 26.911 27.916 3,60% 1,91% 40% Unicredit 10.767 11.956 948 23.671 474.040 497.711 4,76% 2,16% 51% Intesa Sanpaolo 17.585 11.092 1.177 29.854 391.544 421.398 7,08% 4,17% 37% Banco Bpm 3.530 6.159 150 9.839 103.431 113.269 8,69% 3,12% 63% UBI Banca 3.377 3.078 114 6.569 81.305 87.873 7,48% 3,84% 47% BPER 2.374 2.405 228 5.007 50.082 55.089 9,09% 4,31% 48% Mps 6.295 5.105 195 11.595 77.288,80 88.884 13,05% 7,08% 44% Total 7 banks 44.461 40.201 2.878 87.539 1.204.601 1.292.140 7,68% 3,80% 46%

Data as of 30 March 2020 - gross exposure - in million euros Expired Total performing Credits to NPL UTP/ Banking group Npl Utp credits Total Npe credits customers NPE ratio ratio Total Npe Credem 572 406 52 1.030 26.075 27.105 3,80% 2,11% 39% Unicredit 12.581 11.475 858 24.914 484.646 509.560 4,89% 2,47% 46% Intesa Sanpaolo 18.399 10.823 956 30.178 386.414 416.592 7,24% 4,42% 36% Banco Bpm 3.517 6.252 106 9.875 102.341 112.216 8,80% 3,13% 63% UBI Banca 3.414 3.155 104 6.673 82.196 88.869 7,51% 3,84% 47% BPER 3.434 2.463 159 6.056 48.263 54.319 11,15% 6,32% 41% Mps 6.265 5.182 125 11.572 76.928 88.500 13,08% 7,08% 45% Total 7 banks 48.182 39.756 2.360 90.298 1.206.863 1.297.161 8,07% 4,20% 44%

Data as of 31 December 2019 - gross exposure - in million euros Expired Total performing Credits to NPL UTP/ Banking group Npl Utp credits Total Npe credits customers NPE ratio ratio Total Npe Credem 578 399 49 1.026 25.974 27.000 3,80% 2,14% 39% Unicredit 12.491 11.934 870 25.295 476.333 501.628 5,04% 2,49% 47% Intesa Sanpaolo 19.418 10.995 888 31.301 382.736 414.037 7,56% 4,69% 35% Banco Bpm 3.565 6.424 98 10.087 100.759 110.846 9,10% 3,22% 64% UBI Banca 3.555 3.173 110 6.838 80.854 87.692 7,80% 4,05% 46% BPER 3.449 2.479 195 6.123 49.169 55.292 11,07% 6,24% 40% Mps 6.424 5.386 98 11.908 74.501 86.409 13,78% 7,43% 45% Total 7 banks 49.480 40.790 2.308 92.578 1.190.326 1.282.904 8,31% 4,32% 44%

Data as of 30 September 2020 - net exposure - in million euros Total Expired performing Credits to NPE NPL UTP/ Banking group Npl Utp credits Total Npe credits customers ratio ratio Total Npe Credem 156 266 51 473 27.682 28.155 1,68% 0,84% 56% Unicredit 2.543 5.687 561 8.791 457.985 466.776 1,88% 0,54% 65% Intesa Sanpaolo (alone) 6.131 6.332 730 13.193 390.708 403.901 3,27% 1,52% 48% Intesa Sanpaolo with UBI Banca 7.667 8.544 801 17.012 472.136 489.148 3,48% 1,57% 50% UBI Banca (alone) 1.536 2.212 71 3.819 81.428 85.247 4,48% 1,80% 58% Banco Bpm 1.532 3.480 78 5.090 103.627 108.717 4,68% 1,41% 68% BPER 850 1.488 146 2.634 50.406 53.040 4,97% 1,60% 56% Mps 2.856 2.724 203 5.784 81.315 87.099 6,64% 3,28% 47% Total 7 banks 15.604 22.189 1.840 39.784 1.193.151 1.232.934 3,23% 1,27% 56%

Data as of 30 June 2020 - net exposure - in million euros Total Expired performing Credits to NPE NPL UTP/ Banking group Npl Utp credits Total Npe credits customers ratio ratio Total Npe Credem 161 280 56 497 27.103 27.600 1,80% 0,84% 56% Unicredit 2.669 5.549 607 8.825 470.429 479.254 1,84% 0,56% 63% Intesa Sanpaolo 6.399 6.635 977 14.011 389.326 403.337 3,47% 1,59% 47% Banco Bpm 1.549 3.739 111 5.399 102.989 108.389 4,98% 1,43% 69% UBI Banca 1.607 2.197 103 3.907 80.832 84.739 4,61% 1,90% 56% BPER 900 1.547,00 187 2.634 49.921 52.555 5,01% 1,71% 59% Mps 2.862 2.845 148 5.855 76.655,60 82.511 7,10% 3,47% 49% Total 7 banks 16.147 22.792 2.189 41.128 1.197.256 1.238.384 4,12% 1,64% 55%

Data as of 30 March 2020 - net exposure - in million euros Total Expired performing Credits to NPE NPL UTP/ Banking group Npl Utp credits Total Npe credits customers ratio ratio Total Npe Credem 168 277 43 488 25.196 25.684,2 1,90% 0,84% 57% Unicredit 2.918 5.197 553 8.668 481.306 489.974,0 1,77% 0,60% 60% Intesa Sanpaolo 6.558 6.639 804 14.001 384.822 398.823,0 3,51% 1,64% 47% Banco Bpm 1.571 3.778 81 5.430 102.600 108.030,0 5,03% 1,45% 70% UBI Banca 1.655 2.283 95 4.033 81.745 85.778,0 4,70% 1,93% 57% BPER 1.157 1.626 130 2.913 48.120 51.033,0 5,71% 2,27% 56% Mps 2.853 2.887 94 5.834 76.373 82.207,0 7,10% 3,47% 49% Total 7 banks 16.880 22.687 1.800 41.367 1.200.162 1.241.529,2 4,24% 1,74% 55%

Data as of 31 December 2019 - net exposure - in million euros Total Expired performing Credits to NPE NPL UTP/ Banking group Npl Utp credits Total Npe credits customers ratio ratio Total Npe Credem 175 275 41 491 26.787 27.277,8 1,80% 0,64% 56% Unicredit 2.956 5.259 577 8.792 473.782 482.574,0 1,82% 0,61% 60% Intesa Sanpaolo 6.740 6.738 744 14.222 381.007 395.229,0 3,60% 1,71% 47% Banco Bpm 1.560 3.912 73 5.545 100.300 105.845,0 5,24% 1,47% 71% UBI Banca 1.707 2.363 101 4.171 80.393 84.564,0 4,93% 2,02% 57% BPER 1.171 1.661 167 2.999 49.008 52.007,0 5,77% 2,25% 55% Mps 2.982 3.051 75 6.108 74.027 80.135,0 7,62% 3,72% 50% Total 7 banks 17.291 23.259 1.778 42.328 1.185.304 1.227.631,8 4,40% 1,77% 55% Source: BeBeez's elaborations on banks' balance sheets and quarterly data