1H22 Financial Performance

1H22 Financial Statements Balance Sheet (€ thousands) Dec-21 Jun-22 Dec-21 Jun-22 Cash, cash balances at central banks and other demand deposits 5,871,538 6 225 736 Financial liabilities held for trading 306,054 163 373 Financial assets held for trading Financial assets mandatorily at fair value through profit or loss 377,664 799,592 200 800 Financial liabilities measured at amortised cost 40,215,994 40 898 619 583 312 Due to banks 10,745,155 9 874 931 Financial assets at fair value through profit or loss, or through other comprehensive income Due to customers 27,582,093 29 030 063 7,220,996 2 679 702 Financial assets at amortised cost 26,039,902 31 329 794 Debt securities issued and subordinated debt and liabilities associated with transferred assets 1,514,153 1 542 850 Debt securities Loans and advances to credit institutions 2,338,697 50,466 6 979 236 46 916 Other financial liabilities Derivatives Hedge accounting 374,593 19,639 450 775 344 320 Provisions 442,834 397 213 Loans and advances to customers 23,650,739 24 303 642 Tax liabilities 15,297 11 025 Derivatives Hedge accounting 19,639 344 320 Current tax liabilities 12,262 7 990 Fair value changes to the hedged items in portfolio hedge of interest rate risk 30,661 -190 983 Deferred tax liabilities 3,035 3 035 Other liabilities 443,437 754 278 Investments in subsidiaries, joint ventures and associates 94,590 118 687 Tangible assets Tangible fixed assets 864,132 981 274 Liabilities included in disposal groups classified as held for sale 968 1 755 Total Liabilities 41,469,044 42 241 245 238,945 268 457 Investment properties 625,187 712 817 Capital 6,054,907 6 054 907 Intangible assets Tax assets 67,986 69 539 Current tax assets Deferred tax assets 779,892 35,653 744,239 848 511 Other comprehensive income Retained earnings - accumulated -1,045,489 -1 183 107 -8,576,860 -8 577 074 36 194 Other reserves 6,501,374 6 670 293 812 317 Other assets 2,442,550 2 290 356 Profit or loss attributable to parent company shareholders Minority interests (Non-controlling interests) Non-current assets and disposal groups classified as held for sale 9,373 11 953 Total Equity Total Assets 44,618,515 45 493 001 Total Liabilities and Equity 184,504 31,035 3,149,471 44,618,515 266 724 20 013 3 251 756 45 493 001 novobanco 53

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