Competing as a Strong and Independent Portuguese Bank
1
Net
Net loan book growing by 3.9% YTD to €24.6bn (+€0.9bn YTD),
driven by Corporate loans (+€0.8bn YTD)
Corporate loans
(%; €bn)
Corporate loan book by Rate Type
(Sep-22; %)
Corporate loan book by Sector
(Sep-22; %)
Loans
12.70
+6.5%
13.52
Fixed Rate
Eur 1M
16%
Other
28%
18%
+1.64
14.52
13.71
+0.90
Gross
Loans
(1.73)
Manufacturing
20%
Wholesale
11%
& Retail
Eur 12M 10%
€14.5bn
Gross loan book
€14.5bn
Transport
Gross loan book
6%
& Storage
10% Real Estate
activities
8%
24%
Accommodation &
food service activities
10%
8%
9%
Eur 3M
Construction
Financial
activities
Professional, scientific
& technical activities
22%
Eur 6M
Dec-21 9M22 Amortization Other
Stock Origination
Sep-22
effects Stock
Avg.
Rate¹
2.33%
2.36%
SME representing > 65% of origination and
Small business > 22%
novobanco (1) Average rate of the period;
90% of the Corporate book is floating (incl. hedges), majority with Euribor 0% floor
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