1H22 Financial Performance slide image

1H22 Financial Performance

1H22 Financial Statements Deferred Tax Assets Overview of Deferred Tax Assets (€ millions) Dec-21 Jun-22 Timing-Difference DTAS - under Special Regime (1) 267 267 Timing-Difference DTAs - other 473 541 Total DTAs on Balance Sheet 741 809 • Tax losses carried forward are recognised to the extent they are expected to be recovered with future taxable income; • novobanco conservatively assesses the recoverability of tax losses carried forward considering its projected taxable income over a 5 year period; . DTAs under Special Regime: YoY decrease reflects the conversion rights relating to 2020 fiscal year. novobanco Deferred Tax Assets as % of Equity¹ novobanco vs listed banks and average by market c.50% as of Jun-17 45% 46% 25% novobanco Bank 1 (1) Novobanco analysis; considering most recent available information; Spanish banks includes Caixabank, Bankinter, Unicaja and Sabadell; Greek banks includes NBG, Eurobank, Alpha Bank and Piraeus Bank 93% Spanish Top domestic Banks (avg) Greek Banks (avg) 57 52
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