Financial and ESG Performance Review

4 Customer deposits +4.0% YoY and Total Funds +3.1%... Customer Deposits & Total Funds (%; €bn) Deposits Breakdown by Customer (€bn; %) +3.1% YOY Deposits Breakdown by Type (€bn; %) +4.0% YOY 0.19% 0.15% 0.17% Cost of Deposits 33.8 34.6 34.8 Other Funds1 27.3 28.4 28.4 27.3 28.4 28.4 6.2 6.4 6.4 28% 27% 28% Non-Retail Term 31% 33% 33% <10% beta in 4Q22 Deposits 27.3 28.4 28.4 Retail 72% 72% 73% Demand 67% 69% 67% Dec-21 Jun-22 Dec-22 Dec-21 Jun-22 Dec-22 Dec-21 Jun-22 Dec-22 ...with evolution reflecting growth of the volume despite limited interest rates pass-through novobanco (1) Includes off-balance 28

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