Financial and ESG Performance Review

1 Moving towards expanding loan book with €3.9bn customer loans originated in 2022 Loans to Customers - Gross Book Value Evolution (€bn; %) Net 23.7 +3.8% 24.6 Loans Gross Loans 24.9 +0.6 25.6 +3.9 (2.0) Consumer & (1.8) Other Mortgage 9.8 Corporate 13.7 Loans to Customers: Origination (€bn; %) Corporate Mortgage Consumer & Other 3.0 3.9 1.0 1.0 1.0 1.0 8% 0.9 11% 9% 10% 0.8 10% 26% 9% 0.6 28% 32% 30% 10.0 0.6 36% 22% 8% 5% 10.5% 23% 20% 68% 14.2 Market Share2 61% 58% 63% 48% 45% 33% 34% Dec-21 Stock 2022 Origination Scheduled Non-scheduled Other Effects1 Dec-22 Stock Amortisation novobanco 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 (1) Includes restructured contracts, short-term and impairment variations and other novobanco group entities; (2) Stock figure as of November 2022; sources: Banco de Portugal, APS, APFIPP 19

View entire presentation