Investor Presentaiton

Santander Portugal aims to provide best-in-class service to its customers, maintaining a leadership position in lending 9M'22 YoY Var. Strategic Priorities KEY DATA Customer loans¹ €40.6bn +0.9% Customer funds² €46.6bn +1.4% Underlying att. profit €360mn +11.4% ROTE³ 26.7% +5.1pp Efficiency ratio 40.3% -1.7pp Loans market share4 17.9% -7bps Deposits market share4 13.4% +4bps Total customers 3.0mn -0.4% Digital customers 1.1mn +9.4% Branches 385 -3.0% S Employees 4,953 -13.3% Santander (1) Excluding reverse repos. (2) Excluding repos. Consolidate the commercial and digital integration model Grow organically in terms of profitable market share, improving our lending leadership position Maintain our position as market leaders in efficiency, improving the cost base Maintain an appropriate risk policy with high credit quality and strong capital position (3) Adjusted RoTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 13.2%. (4) As of Jun-22. 7

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