1H22 Financial Performance

1 Net Net loan book growing by 2.8% YTD to €24.3bn (+€0.7mn YTD), across all segments Corporate loans (%; €bn) Mortgage loans (€bn; %) Consumer loans & Other (Єbn; %) Loans 12.70 +4.5% 13.27 9.73 Net +0.5% 9.78 1.23 +2.5% 1.26 Loans +1.19 13.71 +0.58 14.27 Gross Loans Gross (1.21) +0.61 9.78 0.0 9.83 Loans (0.51) 1.41 +0.19 0.0 1.44 (0.15) Dec-21 1H22 Amortization Other Stock Origination Jun-22 effects Stock Dec-21 1H22 Amortization Other Stock Origination effects Jun-22 Stock Dec-21 1H22 Amortization Other Stock Origination Jun-22 effects Stock Avg. Rate¹ Avg. 2.33% 2.31% 1.04% 1.04% 5.86% 5.85% Rate • SME representing >65% of origination and Small business > 21% • A conservative mortgage portfolio with average LTV < 50% . Growth of the consumer portfolio to leverage on digital experience novobanco (1) Average rate of the period 32 32

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