Competing as a Strong and Independent Portuguese Bank
9M22 Financial Statements
Customer loans
€mn
Sep-21
Dec-21
Jun-22
Sep-22
YTD
Consolidated
€mn
%
Customer Loans (net)
Customer Loans (gross)
Corporate
Residential Mortgage
Consumer finance and other
23 423
23 651
24 304
24 585
934
3.9%
24 918
24 899
25 541
25 823
925
3.7%
13 673
13 710
14 268
14 524
814
5.9%
9 847
9 782
9 833
9 918
136
1.4%
1 398
1 406
1 440
1 381
- 25
-1.8%
Non-Performing Loans (NPL)*
2 195
1 749
1 695
1 605
- 144
-8.2%
Impairment **
1 495
1 248
1 237
1 238
- 10
-0.8%
NPL Ratio*
NPL coverage*
Cost of Risk (bps)
7.2%
5.7%
5.4%
5.0%
-0.7p.p.
81.5%
71.4%
62
60
73.0%
15
77.2%
5.8p.p.
20
- 40
-66.0%
Cost of Risk (bps) - Covid Adjusted
40
31
*
Includes Deposits and Loans and advances to Banks and Customer Loans
** Includes impairment for Customer Loans and to Banks
novobanco
57
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