1H22 Financial Performance

Providing an integrated customer experience leveraging on a new distribution/branch model and a best-in-class digital experience >165 118 New Distribution Model Branches converted (~55% of total) Virtual Teller Machines1 (Dec/21: 65) 43.6% Forms signed with phygital (+16pp vs 2021) 43.1% 56.5% 74% Digital Active Mobile clients (+5.4pp YoY) Active digital Digital clients (total) touchpoints² (+3.4pp YoY) (+2pp YoY) novobanco Digital sales Highlights Phygital extended to new products (ie: minutes of meetings, closing of accounts, home insurance) New Customer Journeys (i) personal loans: compare simulations; (ii) expand online investment offer Customer acquisition +52% YoY, of which >20% of new clients <25 years (vs 10% of current client base) +284% YOY +196% YOY +110% YOY Personal Loans representing 13% of the segment sales vs 4% in 1H21 Life & Non-life insurance representing 5% of the segment sales vs 2% in 1H21 Credit Cards representing 3% of the segment sales vs 2% in 1H21 Reconfiguration of Sectorial View: deploying a specialized approach for priority sectors (ie: Agriculture, Tourism, Manufacturing, Retail & Services) (1) Featuring physical currency management solutions (for cash withdrawal and deposit); (2) 74% of individual clients' contacts with novobanco were made through the digital channels; 64% mobile and 10% online 221 21

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