1H22 Financial Performance

...with a solid Balance Sheet Consolidated Balance Sheet (€mn) 44,619 45,493 45,493 44,619 Other Assets 7% 6% 7% Tax Assets 2%2% 2% 2% 7% Equity 5% 4% Other liabilities Real estate 3% 3% Debt Securities . 23% 23% Securities 62% 61% Customers Deposits • Customer 53% 53% loans Loans & 22% 24% advances to 13% 14% Due to Central Banks & Banks Banks Dec-21 Jun-22 Jun-22 Dec-21 Assets Equity & Liabilities novobanco Assets • • Net customer loans growth €0.7bn YTD reflecting the higher pace of origination • Performing loan book €23.9bn growing +€0.7bn • NPL at €1.7bn, down by 3% Loans & advances to Banks of €6.3bn includes €5.8bn of Cash at ECB Liabilities Due to Central Banks & Banks of €9.9bn includes €8.0bn from TLTRO III Customer Deposits growing €1.1bn (+3.9% YTD), with the outperformance of the Retail segment; Capital & Liquidity ⚫ CET 1 ratio of 11.8%, +100bps capital generation in 2Q, from organic profitability and acceleration of balance sheet deleverage (disposal of high density RWA); • Comfortable liquidity position with LCR at 187% and NSFR at 106%. 9

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