Financial and ESG Performance Review

1 Net Loans Mortgage loans representing 33% of YTD origination, with average LTV1 lower than 65% in the period Mortgage loans (%; €bn) Mortgage loan book by Rate Type (Dec-22; %) Mortgage loan book by LTV bucket (Dec-22; %) 9.73 +2.0% 9.92 < Eur 1M Fixed Rate 6% 4% Eur 3M 17% 94% Floating Rates +1.26 Gross Loans 9.78 9.98 Eur 12M 46% (of which ~50% hedged³) (1.01) (0.07) 27% Eur 6M Dec-21 2022 Stock Origination Amortization Other effects Dec-22 Stock Increase reflects >80% 5% 15% [70%; 80%[ €10.0bn Gross loan book 33% [50%; 70%[ Avg. Rate² 1.04% repricing of reference rates (Euribor) 1.36% A conservative mortgage portfolio with average LTV < 50% novobanco (1) December YTD data; (2) Average rate of the period; (3) At average base rate of 2.7% <50% 47% 21

View entire presentation