1H22 Financial Performance

1 Net customer loans +2.8% YTD, confirming trajectory of an expanding loan book in both retail and corporate segments Loans to Customers - Gross Book Value Evolution (€bn; %) Net 23.7 Loans Gross +2.8% 24.3 Loans 24.9 +0.4 25.5 Consumer & +2.0 (1.0) Other (0.9) Mortgage 9.8 Corporate 13.7 Loans to Customers: 1H22 Origination (€bn; %) Consumer & Other 9% Corporate 9.8 31% €2.0bn +41% YoY 60% 14.3 10.7% Market Share2 Mortgage Dec-21 Stock 1H22 Origination Scheduled Non-scheduled Other Amortisation Effects1 Jun-22 Stock novobanco (1) Includes restructured contracts, short-term and impairment variations and other novobanco group entities; (2) Stock figure as of May 2022; sources: Banco de Portugal, APS, APFIPP 31

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