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M PRESS RELEASE Reuters > bcp.ls - Exchange > BCP - Bloomberg > bcp pl ISIN - PTBCPOAM0015 Millennium bcp 26 July 2021 Profitability Resilience of the business model ; favourable performance of profit before impairment and provisions Millennium bcp Earnings release as at 30 June 2021 Net income of the Group amounted to 12.3 million euros in the first half of 2021 , including 214.2 million euros in provisions for legal risk on loans granted in Swiss francs in Poland and specific items of 87.2 million euros in Portugal , mainly related to restructuring costs . Core income up by 2.4 % ; Recurring operating costs down by 4.3 % . Profit before impairment and provisions up 5.1 % , to 530.9 million euros . Impairment and other provisions totaled 461.9 million euros in the first six months of 2021 . Capital and Liquidity Capital at adequate levels ; reinforced liquidity position Business performance and Credit quality Strong dynamics of growth in customer resources ; continued increase of the loan portfolio ; comfortable coverages levels Estimated Fully - implemented Core Equity Tier 1 ratio and Total capital ratio at 11.6 % and 14.9 % , respectively , both above regulatory requirements ( 11.8 % and 15.1 % , respectively , on a pro forma basis considering the expected impact of the ongoing sale of the Swiss subsidiary ) . High liquidity levels , comfortably above regulatory requirements . Eligible assets for ECB funding of 25.9 billion euros . Performing loans up by 1.9 billion euros in Portugal , + 5.4 % from June 2020 , with NPE reduction of 0.8 billion euros , in adverse context . General improvement in credit quality indicators . Total customer funds of the Group up by 7.2 billion euros . Off- balance sheet customer funds of the Group up by 14.2 % , to 20.7 million euros . Growing Customer base , mobile Customers standing out ( +567,000 , of which +211,000 in Portugal ) . Leading bank in Customer satisfaction with digital channels ( Basef 5 largest banks ) . BANCO COMERCIAL PORTUGUÊS , S.A. , a public company ( Sociedade Aberta ) , having its registered office at Praça D. João I , 28 , Oporto , registered at the Commercial Registry of Oporto , with the single commercial and tax identification number 501 525 882 and the share capital of EUR 4,725,000,000.00 . LEI : JU1U6SODG9YLT7N8ZV32 INVESTOR RELATIONS Bernardo Collaço Phone +351 211 131 084 investors@millenniumbcp.pt bernardo.collaco@millenniumbcp.pt alexandre.moita@millenniumbcp.pt MEDIA CONTACTS Erik T. Burns Phone +351 211 131 242 Mobile +351 917 265 020 erik.burns@millenniumbcp.pt cintia.barbas@millenniumbcp.pt M 1/41