Financial and ESG Performance Review

2022 Financial Statements Execution of the de-risking strategy delivering Total Capital above targets CET 1 (phased-in¹; %) 13.1% Fully-loaded 8.7% CCYB CCB 2.5% P2R 1.7% P1 4.5% Required CET 1 novobanco Tier 1 (phased-in¹; %) Total Capital (phased-in¹; %) 15.5% Fully-loaded 16.0% 13.7% 13.7% 13.5% CCyB CCB CCyB CCB 10.8% 2.5% 2.5% P2R 3.0% P2R 2.3% Dec-22 CET 1 P1 6.0% Required Tier 1 Dec-22 Tier 1 P1 8.0% Required Total Capital Dec-22 Total Capital Organic capital generation and acceleration of balance sheet deleverage. Note: P2G of 1.5% applicable as of 1-Jan-23; (1) The inclusion of positive results depends on an authorization from the ECB; 47

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