Investor Presentaiton

Portugal 'A strategy focused on customer experience and digital solutions for sustained and profitable growth' H1'22 Highlights Branches 386 00 Mй Employees 4,977 Total customers (mn) 3.0 Digital customers (mn) 1.0 Strategic priorities ■■ Consolidate the commercial and digital integration model Grow organically in terms of profitable market share, improving our lending leadership position Customer loans (€ bn) 41 Customer funds (€ bn) 48 Maintain our position as market leaders in efficiency, improving the cost base Underlying attributable profit (€ mn) 225 ROTE¹ 25.4% Maintain an appropriate risk policy with high credit quality and strong capital position Santander (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 11.7%. Customer loans: gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. More information at https://www.santander.com/en/about-us/where-we-are/santander-portugal 22

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