1H22 Financial Performance

Avg. Avg. Income/ Balance Rate Costs 24 994 13 730 2.03% 2.35% 255 162 1 Loan book expansion with defending rates, reaching NII of €268mn Net Interest Income (NII) Net Interest Margin (NIM) € million; % Customer Loans Corporate loans 1H21 1H22 Avg. Avg. Income/ Balance Rate Costs Assets1 1.68% 1.65% 1.61% 1.60% 1.49% 1.51% 25 211 13 997 Mortgage lending 9 911 1.06% 53 9 782 Consumer loans and Others 1 353 5.90% 40 1 432 Money Market Placements 3 883 0.18% 4 6013 -0.32% 2.02% 256 2.31% 163 1.04% 51 5.85% 42 -10 NIM² 1.49% 1.46% 1.43% 1.42% 1.31% 1.30% Liabilities1 0.18% 0.17% 0.17% 0.17% 0.18% 0.20% Securities and Other Assets 10 479 1.27% 67 9 785 1.32% 65 Interest Earning Assets & Other 39 357 1.65% 326 41 009 1.51% Of which: Customer Deposits 26 425 0.20% 27 27 813 0.15% 311 21 NII 145.7 143.5 140.9 143.2 (€mn) 133.5 134.5 Of which: Money Market Funding Of which: Other Liabilities 10 390 -0.49% 949 7.01% Interest Bearing Liabilities & Other 39 357 0.17% NIM / NII² -26 10 496 -0.50% -26 33 35 1 441 41 009 6.38% 46 1.46% 289 0.20% 1.30% 41 268 1Q21 IIIII 2Q21 3Q21 4Q21 1Q22 2Q22 NII YoY comparison explained by senior debt issuance in 4Q21 and money markets negative interest rates. novobanco (1) YTD figures until such reference date; (2) With stage 3 impairment adjustment 25 25

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