Audit Report Consolidated Annual Accounts and Management Report

The report presents the company's 2022 consolidated banking and insurance performance, including 27,755 million euros of total assets, 139.1 million euros of profit after tax and a 22.24% CET1 ratio. It describes implemented sustainability governance, including a Sustainability Committee comprising the Board and a Sustainability Office, and the first assessment using double materiality. The company reports that its 75% carbon-footprint reduction target was fulfilled at 77.10%, while 196,613 training hours were delivered during the year.