Competing as a Strong and Independent Portuguese Bank

4 Customer deposits +7.8% YoY and Total Funds +6.4%... Customer Deposits & Total Funds (%; €bn) Deposits Breakdown by Customer (€bn; %) Deposits Breakdown by Type (€bn; %) +6.4% YOY +7.8% YOY +3.0% YtD +4.6% YtD Cost of Deposits 0.20% 0.19% 0.15% 32.7 33.8 34.8 Other Funds¹ 6.2 26.5 27.3 28.6 26.5 27.3 28.6 6.4 6.2 27% Non-Retail 28% 28% Sight 47% 47% 49% Deposits 26.5 27.3 28.6 Term Deposits Retail 72% 72% 73% & Savings 53% 53% 51% Sep-21 Dec-21 Sep-22 Sep-21 Dec-21 Sep-22 Sep-21 Dec-21 Sep-22 ...with evolution reflecting growth of the business despite the low interest rate environment. novobanco (1) Includes off-balance 40 40

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