Financial and ESG Performance Review

2022 Financial Statements Balance Sheet (€ thousands) Dec-21 Dec-22 Dec-21 Dec-22 Cash, cash balances at central banks and other demand deposits 5,871,538 6,599,078 Financial liabilities held for trading 306,054 99,386 Financial assets held for trading 377,664 171,810 Financial liabilities measured at amortised cost 40,215,994 40,987,177 Financial assets mandatorily at fair value through profit or loss 799,592 313,702 Due to banks 10,745,155 9,705,154 Financial assets at fair value through profit or loss, or through other comprehensive income Due to customers 27,582,093 29,277,858 7,220,996 2,331,099 Financial assets at amortised cost 26,039,902 Debt securities Loans and advances to credit institutions 2,338,697 50,466 32,777,693 8,183,209 Debt securities issued and subordinated debt and liabilities associated with transferred assets 1,514,153 1,628,897 Other financial liabilities 374,593 375,268 Derivatives Hedge accounting 19,639 562,845 43,548 Provisions 442,834 413,432 Loans and advances to customers 23,650,739 24,550,936 Tax liabilities 15,297 8,427 Derivatives Hedge accounting 19,639 562,845 Current tax liabilities 12,262 7,582 Fair value changes to the hedged items in portfolio hedge of interest rate risk 30,661 -383,689 Deferred tax liabilities 3,035 845 Other liabilities 443,437 839,919 Investments in subsidiaries, joint ventures and associates 94,590 119,744 Tangible assets Tangible fixed assets 864,132 Liabilities included in disposal groups classified as held for sale 968 798,831 Total Liabilities 41,469,044 15,492 42,483,411 238,945 299,264 Investment properties 625,187 499,567 Capital 6,054,907 6,304,661 Intangible assets Tax assets 67,986 69,832 Current tax assets Deferred tax assets 779,892 35,653 744,239 956,000 Other comprehensive income Retained earnings - accumulated -1,045,489 -1,234,573 -8,576,860 -8,577,074 32,570 Other reserves 6,501,374 6,439,418 Other assets 2,442,550 923,430 1,618,484 Profit or loss attributable to parent company shareholders Minority interests (Non-controlling interests) 184,504 560,842 31,035 18,344 Non-current assets and disposal groups classified as held for sale 9,373 Total Assets 44,618,515 59,587 45,995,029 Total Equity 3,149,471 Total Liabilities and Equity 44,618,515 3,511,618 45,995,029 novobanco 42

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