Competing as a Strong and Independent Portuguese Bank

Stable deposit base supporting strong liquidity position 4 Loan to Deposit Ratio¹ (%) Liquidity Ratios (%) LCR2 NSFR 86.0% Eligible Assets at the ECB³ (€bn) €16.7bn €16.5bn €17.0bn 115% 117% 108% Net ECB Funding (€bn) €2.6bn €2.7bn €2.1bn +1.3pp 82.8% (4.4pp) 8.0 8.0 7.0 Gross Funding 182% 193% 150% -4.4 -5.3 Cash at -5.9 ECB Dec-21 Funding Loans Sep-22 Sep-21 Dec-21 Sep-22 Sep-21 Dec-21 Sep-22 Liquidity buffer ~€13.1bn, mostly composed of highly liquid assets (~90%). novobanco (1) LtD ratio as per BdP definition (see glossary - annex for further detail); (2) LCR stands for Liquidity Coverage Ratio; NSFR stands for Net Stable Funding Ratio; (3) Net of haircut Reimbursements: Dec-22: €1.6bn • 2023: €5.4bn . Dec-24: €1.0bn 41

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