1H22 Financial Performance

4 Stable deposit base supporting strong liquidity position Loan to Deposit Ratio (%) Liquidity Ratios (%) Eligible Assets at the ECB³ (€bn) €17.0bn €16.5bn €16.5bn 182% 187% LCR2 €4.0bn €2.7bn €2.2bn Net ECB Funding (€bn) 150% 86.0% +0.3pp 82.8% (3.5pp) 8.0 8.0 7.0 Gross Funding 112% 117% NSFR1 106% -4.5 -5.3 -5.8 Cash at ECB Jun-21 Dec-21 Jun-22 Dec-21 Funding Loans Jun-22 Jun-21 Dec-21 Jun-22 Liquidity buffer ~€13.2bn, mostly composed of highly liquid assets (~90%). novobanco 40 (1) LtD ratio as per BdP definition (see glossary - annex for further detail); (2) LCR stands for Liquidity Coverage Ratio; NSFR stands for Net Stable Funding Ratio; (3) Net of haircut 40

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