Liberbank S A : Información Privilegiada - Presentación de resultados del tercer trimestre de 2020

Earnings presentation 3Q20

October 26th 2020

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This document was prepared by LIBERBANK, S.A., ("LIBERBANK") and is presented exclusively for informational purposes. It is not a prospectus and does not constitute an offer or recommendation to invest.

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Main figures

Strong core business

Net Interest Income		Fee Income
(recurrent)		(recurrent)

+6.8%		+7.4%
9M20 vs 9M19			9M20 vs 9M19

Conservative loan book

c.80% of the loan book are residential mortgages, public sector and state guarantees.

Cost of Risk		Reinforced Coverage
			NPLs	NPAs
54 bps	16 bps		54.3%	51.3%
9M20	9M20 underlying		+409 bps QoQ	+172ps QoQ

Commercial dynamism

Mutual funds	Mortgage book
		(performing)

+15.5%		+7.0%
YoY		YoY

Robust Capital

CET1 FL CET1 FL buffer (1)MDA buffer (1)

14.14%		€957m		415 bps
+112bps YoY

(1) Applying P2R (CRD-V) flexibility. Maximum distributable amount calculated as total capital phased in minus total SREP requirement.	3

		1.	Summary
Agenda		2. Commercial Activity
		3. Asset Quality
	4.	Results analysis
		5. Solvency
	6.	Liquidity and Fixed Income portfolio
	7.	Appendix

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