Competing as a Strong and Independent Portuguese Bank

A four-pillar strategy to maximize value for customers, maintaining profitable operations and capital efficiency Customer-centric bank Simple and efficient operations Developing people and culture Delivering sustainable performance Mission: To serve the needs and expectations of our customers 205 5.7 New Distribution 116 ~70% Model of all branches Loans per average FTE (€million) (# branches) Dec-21 Sep-22 Virtual Teller Machines (# branches) 99 65 180 6.2 -27% YoY NPL Stock +9% Improving Asset Quality: NPL ratio 5.0% 9M21 9M22 Deposits per average FTE 6.9 6.0 (Єmillion) +115 +14% Dec-21 Sep-22 novobanco 9M21 9M22 12.4% Sustainable ROTE 12.7% CET 1 Capital accretion (+160bps YTD) 22 22

View entire presentation