Financial and ESG Performance Review

Stable deposit base supporting strong liquidity position 4 Loan to Deposit Ratio¹ (%) Liquidity Ratios (%) LCR2 NSFR 86.0% +1.1pp 83.3% (3.9pp) Eligible Assets at the ECB³ (€bn) €16.5bn €16.5bn €16.9bn 117% 113% 106% Net ECB Funding (€bn) €2.7bn €2.2bn €0.4bn 8.0 8.0 6.3 Gross Funding 210% 182% 187% -5.3 Cash at -5.8 -5.9 ECB Dec-21 Jun-22 Dec-22 Dec-21 Funding Loans Dec-22 Dec-21 Jun-22 Dec-22 LTRO III reimbursements: • 2023: €5.4bn Dec-24: €1.0bn Liquidity buffer ~€13.7bn, mostly composed of highly liquid assets (~90%). novobanco (1) LtD ratio as per BdP definition (see glossary - annex for further detail); (2) LCR stands for Liquidity Coverage Ratio; NSFR stands for Net Stable Funding Ratio; (3) Net of haircut 29 29

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