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Report & Accounts 2021

From balance
to growth.

In 2021, Banco CTT celebrated its 5th anniversary and, with the support and professionalism of our employees and partners, we reached an important milestone in our history that continues to take solid steps on the path to success.

We are the fastest growing retail bank in Portugal and we ended up with a net income of 16 million euros.
We have an increasingly continuous base that gives us more confidence to grow and continue to deliver services with the greatest rigor, excellence and innovation.

We assume a sustainable and ambitious posture, and step by step we built a path from balance to growth.

Statement

Chairman of the Board of Directors

"The development of the bank’s digital capacity was substantial during this three-year period."

João Moreira Rato

Chairman of the Board of Directors

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Message

Statement

Chairman of the Executive Committee

"Banco CTT became one of the relevant players in the national market."

Luís Pereira Coutinho

Chairman of the Executive Committee

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Message
Grow
in Customers

We put all our commitment and dedication to better serve our customers

212

Banco CTT branches

Banco CTT branches Banco CTT branches

5.500

New Customers
(monthly average)

New Customers <br> <span class="text-xl md:text-2xl">(monthly average)</span>

671.882

Banco CTT Customers

Banco CTT Customers
Grow
in Team

We make our enthusiasm grow to be a team that is always close and professional

444

Employees <br> at Banco CTT

Employees
at Banco CTT

5.261

Payshop Agents <br> in Portugal

Payshop Agents
in Portugal

1.450

Speciliazed credit agents <br> at the point of sale

Speciliazed credit agents
at the point of sale

Grow
in Results

Excellent results that grow with work and rigor

2.121.511

Thousands of Euros in deposits from customers

Thousands of Euros in deposits from customers

595.419

Thousands of Euros outstanding in mortgage loans

Thousands of Euros outstanding in mortgage loans

573.201

Banco CTT Accounts

Banco CTT Accounts

Grow
in Digital Solutions

We grow in innovation with increasingly practical,
simple and relevant solutions for our customers

Term deposits
made online

Active customers
on digital channels

Customer base
adhering to digital channels

Digital channels
accesses via mobile devices

Grow
in Recognition

A growth in recognition and distinction that translates into the trust that is placed in our franchise

Escolha Acertada Deco Proteste, <br> in the category Mortgage Loan

Escolha Acertada Deco Proteste,
in the category Mortgage Loan

Prémio Cinco Estrelas 2022, <br> in the category Customer Service

Prémio Cinco Estrelas 2022,
in the category Customer Service

Grow
in Sustainability

We grow in environmental and governance values in a sustainable way to protect the future

13.739

Hours of training <br> for Banco CTT group employees

Hours of training
for Banco CTT group employees

70%

Customer base <br> with a digital account statement

Customer base
with a digital account statement

13.5%

Transformation of debit cards<br> into 100% recycled<br> plastic (Oct – Dec 21)

Transformation of debit cards
into 100% recycled
plastic (Oct – Dec 21)

Bando CTT Relatório Integrado 2021