Competing as a Strong and Independent Portuguese Bank
Moving towards expanding loan book with €2.9bn
customer loans originated YTD
Theme 5: Growth
Loans to Customers: Origination
(€bn; %)
Corporate
Mortgage
44%
Consumer & Other
New Distribution
Model &
Omnichannel
• Promote customer relationship: an innovative
functional layout focused on customer relationship
and an integrated experience (ie: distinctive self-
service, employee mobility, digital communication)
.
•
• 3-yr nationwide investment program of ~€120mn
Deploying a specialized approach for priority
sectors (ie: Agriculture, Tourism, Manufacturing,
Retail & Services)
• Partnering with specialists to provide our
customers a wide range of solutions (ie: EU-funding)
1.0
1.0
1.0
Reconfiguration
8%
0.9
9% 10%
of Sectorial View
0.8
11%
25%
11% 0.6
29% 32%
0.6
27% 12%
39%
8%
35%
35%
66%
62% 58%
61%
50%
57%
53%
New Capital
allocation model
⚫ Dynamic allocation of balance sheet growth
between different segments and its capital impact
1Q21
2Q21 3Q21 4Q21 1Q22 2Q22 3Q22
• To determine each segment profitability (with
strategic implications);
205
Branches
converted
(~70% of total)
SME
representing
>65% of
Corporate
origination
Pricing
of new loans is
subject to
RAROC
hurdles
New management team and organization focused to deliver the next stage of novobanco's development,
competing as a strong and independent Portuguese corporate and retail bank
novobanco
17View entire presentation