Financial and ESG Performance Review
Maintaining a solid Balance Sheet
Balance Sheet (Єmn)
ΑΥΤΟ
Assets
Dec-21
Dec-22
€mn
%
Loans and advances to banks
5,922
6,643
721
12.2%
1
Customer loans (net)
23,651
24,551
900
3.8%
2
Real estate
824
614
(210)
-25.5%
3
Securities
10,471
10,864
394
3.8%
Non-current assets held for sale
9
60
50
Current and deferred tax assets
780
956
176
Other assets
2,962
2,308
(654)
22.6%
-22.1%
Total Assets
44,619
45,995
1,377
3.1%
YTD
Liabilities & Equity
Dec-21
Dec-22
€mn
%
4
Customer deposits
27,315
28,412
1,097
4.0%
Due to central banks and banks
10,745
9,705
(1,040)
-9.7%
Debt securities
1,470
1,584
115
7.8%
Non-current liabilities held for sale
1
15
15
Other liabilities
1,938
2,766
828
42.7%
Total Liabilities
41,469
5 Equity
3,149
Total Liabilities and Equity
44,619
42,483
3,512
45,995
1,014
2.4%
362
11.5%
1,377
3.1%
novobanco
Assets
•
Net customer loans growth €0.9bn YTD reflecting the
higher pace of origination. Performing loan book €24.2bn
growing +€1.1bn
• Securities increased by €0.4bn YTD, building up liquidity
given the repayment of TLTRO III
Liabilities
• Customer Deposits growing €1.1bn (+4.0% YTD), with
the outperformance of the Retail segment;
• Other Liabilities change (+€0.8bn YTD) mostly due to
transactions pending settlement and derivatives margin
and clearing accounts
Capital & Liquidity
• FL CET 1 ratio of 13.1%, +300bps capital generation
YoY, driven by organic profitability and acceleration of
balance sheet deleverage (disposal of high density RWA);
Comfortable liquidity position with LCR at 210% and
NSFR at 113%.
•
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