Competing as a Strong and Independent Portuguese Bank

1 Mortgage loans representing 33% of YTD origination, with average LTV1 of 65% in the period Mortgage loans (%; €bn) Mortgage loan book by Rate Type (Sep-22; %) < Eur 1M Fixed Rate Net Loans 9.73 +1.4% 9.87 6% 4% Eur 3M 17% Gross Loans +0.96 9.78 9.92 Eur 12M 45% (0.76) (0.07) 94% Floating Rates / 100% including hedges 28% Eur 6M Dec-21 9M22 Amortization Other Stock Origination effects Sep-22 Stock Increase reflects Mortgage loan book by LTV bucket (Sep-22; %) >80% 6% [70%; 80% 18% €9.9bn Gross loan book 34% [50%; 70%[ Avg. Rate² 1.04% repricing of reference rates (Euribor) 1.12% novobanco (1) September YTD data; (2) Average rate of the period; A conservative mortgage portfolio with average LTV < 50% <50% 42% 37

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