Financial and Liquidity Management Summary
Santander Portugal continues to increase its digital footprint: a key lever to increase
customer loyalty and service quality perception
Total customers (mn)
3.1
0%
3.0
Loyal customers (mn)
Digital customers (mn)
+7%
+9%
0.91
0.84
0.98
1.07
Sep-21
Sep-22
Sep-21
Sep-22
Sep-21
Sep-22
Digital sales/total¹: 49% (-8pp YoY)
Our commercial and digital transformation aiming at providing first-class service to customers continues to be reflected in sustained
growth in the number of loyal customers (+7%)
We aim to provide a seamless experience across channels, translated into the continued increase in digital customers (+9%)
Significant investment in Virtual Teller Machines (VTMs), to cover a significant part of the retail network, providing customers with 24/7
self-banking service, including deposits of coins and banknotes
Santander (1) YTD data.
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