1H22 Financial Performance

Maintaining a solid Balance Sheet Assets Balance Sheet (Єmn) ▲YTD Assets Dec-21 Jun-22 €mn % Loans and advances to banks 5,922 6,273 351 5.9% 1 Customer loans (net) 23,651 24,304 653 2.8% 2 Real estate 824 909 85 10.3% 3 Securities 10,471 10,278 (193) -1.8% Non-current assets held for sale 9 12 3 27.5% Current and deferred tax assets 780 849 69 8.8% Other assets 2,962 2,869 (93) -3.1% Total Assets 44,619 45,493 874 2.0% YTD Liabilities & Equity Dec-21 Jun-22 €mn % 4 Customer deposits 27,315 28,385 1,070 Due to central banks and banks 10,745 9,875 (870) -8.1% • Debt securities 1,470 1,498 29 2.0% Non-current liabilities held for sale 1 2 1 81.3% Other liabilities 1,938 2,481 543 28.0% Total Liabilities 41,469 42,241 772 1.9% 5 Equity 3,149 3,252 102 3.2% Total Liabilities and Equity 44,619 45,493 874 2.0% novobanco 3.9% ⚫ Net customer loans growth €0.7bn YTD reflecting the higher pace of origination • • Performing loan book €23.9bn growing +€0.7bn ⚫ NPL at €1.7bn, down by 3% Liabilities Customer Deposits growing €1.1bn (+3.9% YTD), with the outperformance of the Retail segment; Capital & Liquidity O CET 1 ratio of 11.8%, +100bps capital generation in 2Q, from organic profitability and acceleration of balance sheet deleverage (disposal of high density RWA); • Comfortable liquidity position with LCR at 187% and NSFR at 106%. 30 30

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