1H22 Financial Performance

4 Customer deposits +5.6% YoY and Total Funds +5.3%... Customer Deposits & Total Funds (%; €bn) Deposits Breakdown by Customer (€bn; %) Deposits Breakdown by Type (€bn; %) +5.3% YOY +5.6% YOY +5.6% YOY +2.4% YtD +3.9% YtD +3.9% YtD 32.8 33.8 34.6 Other Funds¹ 26.9 27.3 28.4 6.2 6.0 6.4 Non-Retail 28% 28% 28% 26.9 27.3 28.4 Sight 48% 47% 51% 26.9 27.3 28.4 Term Deposits Retail Deposits 72% 72% 72% & Savings 52% 53% 49% Jun-21 Dec-21 Jun-22 Jun-21 Dec-21 Jun-22 Jun-21 Dec-21 Jun-22 ...with evolution reflecting growth of the business despite the low interest rate environment. novobanco (1) Includes off-balance 39 39

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