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M PRESS RELEASE Reuters > bcp.ls - Exchange > BCP - Bloomberg > bcp pl ISIN - PTBCPOAM0015 Millennium bcp 27 October 2021 Profitability Resilience of the business model Capital and Liquidity Capital at adequate levels , above regulatory requirements ; reinforced liquidity position Business performance and Credit quality Strong dynamics of growth in customer resources ; continued increase of the loan portfolio ; comfortable coverages levels Millennium bcp Earnings release as at 30 September 2021 • Net income of the Group amounted to 59.5 million euros in the first nine months of 2021 , including 313.5 million euros in provisions for legal risk on loans granted in Swiss francs in Poland and specific items of 87.6 million euros in Portugal , mainly related to headcount adjustment costs . Excluding specific items , core operating profit of the Group reached 938.7 million euros , corresponding to a growth of 8.3 % . Estimated Fully - implemented Total capital ratio and Core Equity Tier 1 ratio at 15.2 % and 11.8 % , respectively ( 15.3 % and 12.0 % , 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 . Loans - to- deposits ratio of 83 % . Eligible assets for ECB funding of 25.2 billion euros . Performing loans of the Group up by 3.1 billion euros , + 5.8 % from September 2020 ( +2.2 billion euros in Portugal ) . NPE reduction of 0.8 billion euros , in adverse context . Total customer funds of the Group up by 7.3 billion euros . Off - balance sheet customer funds of the Group up by 10.1 % , to 20.7 million euros . General improvement in credit quality indicators . Cost of risk of 60 bp for the Group ( 69 bp excluding one - off reversals ) and of 68 bp in Portugal ( 79 bp excluding one - off reversals ) . Growing Customer base , mobile Customers standing out ( +543,000 , of which +196,000 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 | 1/33