Competing as a Strong and Independent Portuguese Bank

9M22 Financial Statements Balance Sheet (€ thousands) Dec-21 Sep-22 Dec-21 Sep-22 Cash, cash balances at central banks and other demand deposits 5,871,538 1,009,724 Financial liabilities held for trading 306,054 125,235 Financial assets held for trading 377,664 181346 Financial liabilities measured at amortised cost 40,215,994 42,137,669 Financial assets mandatorily at fair value through profit or loss Financial assets at fair value through profit or loss, or through other 799,592 577,879 Due to banks 10,745,155 10,532,385 Due to customers 27,582,093 29,377,009 7,220,996 comprehensive income Financial assets at amortised cost 26,039,902 2,574,653 38,346,080 Debt securities issued and subordinated debt and liabilities associated with transferred assets 1,514,153 1,511,436 Debt securities 2,338,697 8,218,014 Other financial liabilities 374,593 716,839 Derivatives Loans and advances to credit institutions Hedge accounting 19,639 523,410 50,466 Loans and advances to customers 23,650,739 5,543,227 24,584,839 Provisions 442,834 373,717 Tax liabilities 15,297 10,671 Derivatives Hedge accounting 19,639 523,410 Current tax liabilities 12,262 9,826 Fair value changes to the hedged items in portfolio hedge of interest rate risk 30,661 -366,319 Deferred tax liabilities 3,035 845 Other liabilities 443,437 Investments in subsidiaries, joint ventures and associates 94,590 123,922 Tangible assets 864,132 821,389 Liabilities included in disposal groups classified as held for sale Total Liabilities 968 918,454 1,802 Tangible fixed assets 41,469,044 43,580,786 238,945 250,842 Investment properties 625,187 570,547 Capital 6,054,907 6,054,907 Intangible assets Tax assets Current tax assets Deferred tax assets 67,986 779,892 35,653 744,239 71,034 873,165 Other comprehensive income Retained earnings - accumulated -1,045,489 -1,188,216 -8,576,860 -8,577,074 Other assets 2,442,550 36,379 836,786 2,243,173 Other reserves 6,501,374 6,672,719 Non-current assets and disposal groups classified as held for sale 9,373 Total Assets 44,618,515 12,121 46,991,577 Total Equity Profit or loss attributable to parent company shareholders Minority interests (Non-controlling interests) Total Liabilities and Equity 184,504 428,342 31,035 20,113 3,149,471 3,410,791 44,618,515 46,991,577 novobanco 56

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