Investor Presentaiton

Portugal 'A strategy focused on customer experience and digital solutions for sustained and profitable growth' 9M'22 Highlights Branches 385 00 Mй Employees 4,953 Strategic priorities ■■ Consolidate the commercial and digital integration model Total customers (mn) 3.0 Digital customers (mn) 1.1 Grow organically in terms of profitable market share, improving our lending leadership position Customer loans (€ bn) 41 Customer funds (€ bn) 47 Maintain our position as market leaders in efficiency, improving the cost base Underlying attributable profit (€ mn) 360 ROTE¹ 26.7% 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 13.2%. 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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