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BPI Grupo CaixaBank BANCO BPI 1ST QUARTER 2022 CONSOLIDATED RESULTS Porto , 06 May 2022 CONSOLIDATED NET PROFIT OF 49 M. € , GROSS INCOME FROM COMMERCIAL ACTIVITY IN PORTUGAL GROWS BY 4 % TO 189 M. € Net profit from the activity in Portugal totals 28 M. € . The domestic result's comparison with the same period in 2021 ( 54 M. € ) is influenced by extraordinary gains of 23 M. € on the sale of non - performing loans recorded in the first quarter of last year . STRONG COMMERCIAL DYNAMICS : Total customer resources increase by 3 Bi . € yoy ( 8 % ) . о Loan portfolio grows by 2.2 Bi . € yoy ( + 9 % ) . GROSS INCOME FROM COMMERCIAL ACTIVITY GROWS 4 % , EFFICIENCY AND PROFITABILITY IMPROVE : Commercial banking gross income grows 4 % yoy to 189 M. € . Recurrent return on tangible equity ( ROTE ) of 5.7 % . STRONG ECONOMIC AND FINANCIAL POSITION : NPE ratio ( EBA definition ) of 1.6 % . NPE coverage by impairments and collaterals of 150 % . о Capital ratios : CET1 ratio of 13.7 % and total capital ratio of 17.5 % . DIGITAL BANKING - LEADERSHIP AND SALES GROWTH : о 789 thousand clients are regular digital banking users , and of these 553 thousand use the BPI App ( +74 thousand yoy ) . о 1 # in internet penetration and mobile banking for individual customers¹ . ○ 73 % of all products ' sales are initiated in the digital channels . BPI RATING AT INVESTMENT GRADE BY THE THREE INTERNATIONAL AGENCIES : ○ Senior debt rated investment grade with Stable outlook by the three main agencies : Moody's ( Baa2 ) ; Fitch ( BBB + ) ; S & P ( BBB ) . COMMITMENT TO PEOPLE , SOCIETY AND THE ENVIRONMENT ○ 40 M. € in support to Society with the " la Caixa " Foundation in 2022 ( +10 M. € ) . ¹BASEF Banks - March 2022 ( main banks ) 1