Competing as a Strong and Independent Portuguese Bank
9M22 achievements confirm novobanco execution skills and pave the way
forward...
Customer-centric
1.5 million clients
including 56% of
[ SMEs in Portugal
Simple and efficient
Skilled talent pool
Sustainable business
novobanco
$
€2.9bn
Loans originated
in 9M22
57.4%
Active digital channels;
Production +276% YoY
56.2%
> 65%
49%
Forms signed with
phygital
Households: % of self-
service transactions
Cost to income
(recurrent basis)
$
4 139
Employees of Grupo
novobanco
> 54%
Women
12.4%
Return on Tangible
Equity
89%
9M2022
Very satisfied clients -
Medium Enterprise
€149.1k (+3% YoY)
Commercial banking
income per avg employee
-19
Average seniority
of employees
5.8k
Hours of ESG training to
employees
18.7%
MREL Ratio (above
binding of 17.66%)
82.8%
Loan to Deposit
Ratio
000
€279.6mn
Financing in green
investment (EU Taxonomy)
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