Competing as a Strong and Independent Portuguese Bank
...with a solid Balance Sheet...
Consolidated Balance Sheet
(€mn)
46,992
46,992
44,619
44,619
6%
Other Assets
7%
7%
2% 2%
Tax Assets
2%2%
6%
7%
Equity
Real estate
3%
4%
Other liabilities
3%
24%
Debt Securities
23%
Securities
61%
61%
Customer
52%
53%
loans
Customers
Deposits
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 €0.9bn YTD, building up liquidity
given the repayment of TLTRO III
Liabilities
⚫ Customer Deposits growing €1.3bn (+4.6% YTD), with
the outperformance of the Retail segment;
• Other Liabilities change (+€1.0bn YTD) mostly due to
transactions pending settlement and derivatives margin
and clearing accounts
Capital & Liquidity
• CET 1 ratio of 12.7%, +90bps capital generation QoQ,
from organic profitability and acceleration of balance
sheet deleverage (disposal of high density RWA);
• Comfortable liquidity position with LCR at 193% and
NSFR at 108%.
Loans &
22%
24%
advances to
13%
14%
Due to Central
Banks & Banks
Banks
Dec-21
Sep-22
Sep-22
Dec-21
Assets
Equity & Liabilities
novobanco
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