Competing as a Strong and Independent Portuguese Bank
Maintaining a solid Balance Sheet
Balance Sheet (Єmn)
▲YTD
Assets
Dec-21
Sep-22
€mn
%
Loans and advances to banks
5,922
6,553
631
10.7%
1
Customer loans (net)
23,651
24,585
934
2
Real estate
824
714
(110)
3.9%
-13.4%
3
Securities
10,471
11,385
915
8.7%
Non-current assets held for sale
9
12
3
29.3%
Current and deferred tax assets
780
873
93
12.0%
Other assets
2,962
2,870
(92)
-3.1%
Total Assets
44,619
46,992
2,373
5.3%
YTD
Liabilities & Equity
Dec-21
Sep-22
€mn
%
4
Customer deposits
27,315
28,582
1,267
4.6%
Due to central banks and banks
10,745
10,532
(213)
-2.0%
Debt securities
1,470
1,467
(3)
0.2%
Non-current liabilities held for sale
1
2
1
86.2%
Other liabilities
1,938
2,998
1,060
54.7%
Total Liabilities
41,469
43,581
2,112
5 Equity
3,149
3,411
262
5.1%
8.3%
Total Liabilities and Equity
44,619
46,992
2,373
5.3%
novobanco
Assets
•
Net customer loans growth €0.9bn YTD reflecting the
higher pace of origination. Performing loan book €24.2bn
growing +€1.1bn
• Securities increased by €0.9bn YTD, building up liquidity
given the repayment of TLTRO III
Liabilities
• Customer Deposits growing €1.3bn (+4.6% YTD), with
the outperformance of the Retail segment;
• Other Liabilities change (+€1.0bn YTD) mostly due to
transactions pending settlement and derivatives margin
and clearing accounts
Capital & Liquidity
•
⚫ CET 1 ratio of 12.7%, +90bps capital generation QoQ,
from organic profitability and acceleration of balance
sheet deleverage (disposal of high density RWA);
• Comfortable liquidity position with LCR at 193% and
NSFR at 108%.
34View entire presentation