Financial and ESG Performance Review

1 Net loan book growing by 3.8% YTD to €24.6bn (+€0.9bn YTD), driven by Corporate loans (+€0.7bn YTD) Corporate loans (%; €bn) Net 12.70 Loans +5.3% Corporate loan book by Rate Type (Dec-22; %) Corporate loan book by Sector (Dec-22; %) Industry 13.37 Strategic Sectors Fixed Rate Eur 1M 55% Retail & services 12% 17% 11% 29% +2.27 13.71 14.24 +0.80 Gross Loans (2.54) Eur 12M 9% €14.2bn Gross loan book 23% Eur 6M Dec-21 2022 Amortization Other Stock Origination effects Dec-22 Stock Avg. 2.33% 2.60% Rate¹ 24% Eur 3M Real €14.2bn 10% Estate Other² Gross loan book 45% 8% Tourism 7% 6% Agriculture Logistics & transport SME representing > 57% of origination and Small business > 21% 90% of the Corporate book is floating (incl. hedges), majority with Euribor 0% floor Sectorial approach, based on sectors' outlook, expected growth and underlying intrinsic potential novobanco (1) Average rate of the period: (2) Other/ Non strategics sectors includes Construction, Investment funds and holdings, professional services, Public administration & institutions, Auto & electronics, Energy, Health, Insurance, Water and others 20 20

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