Competing as a Strong and Independent Portuguese Bank

1 Moving towards expanding loan book with €2.9bn customer loans originated in the period Loans to Customers - Gross Book Value Evolution (€bn; %) Net 23.7 +3.9% 24.6 Loans Gross Loans +0.7 25.8 24.9 +2.9 (1.5) Consumer & (1.2) Other Mortgage 9.8 Corporate 13.7 Loans to Customers: Origination (€bn; %) Corporate Mortgage Consumer & Other 44% 1.0 1.0 1.0 8% 0.9 9% 10% 0.8 11% 25% 11% 0.6 29% 32% 9.9 0.6 27% 12% 39% 8% 10.6% 35% 35% 66% 62% 14.5 Market Share2 58% 61% 50% 57% 53% Dec-21 Stock 9M22 Origination Scheduled Non-scheduled Other Effects1 Sep-22 Stock Amortisation novobanco 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 (1) Includes restructured contracts, short-term and impairment variations and other novobanco group entities; (2) Stock figure as of August 2022; sources: Banco de Portugal, APS, APFIPP 35

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