Santander Business Strategy and Financial Inclusion
Disclaimer
Santander Totta SGPS, S.A. ("Santander Totta") cautions that this presentation contains forward looking statements. These forward looking statements
are found in various places throughout this presentation and include, without limitation, statements concerning our future business development and
economic performance. While these forward looking statements represent our judgment and future expectations concerning the development of our
business, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from our
expectations. These factors include, but are not limited to, (1) general market, macro-economic, governmental and regulatory trends, (2) movements in
local and international securities markets, currency exchange rates, and interest rates, (3) competitive pressures, (4) technological developments, (5)
changes in the financial position or credit worthiness of our customers, obligors and counterparties, The risk factors and other key factors that we have
indicated could adversely affect our business and financial performance contained in our past and future filings and reports, including those with the
Securities and Exchange Commission of Portugal.
The information contained herein is in accordance with the Bank of Portugal's criteria. Unless otherwise stated, data in this presentation refers to
consolidated figures for Santander Totta SGPS, the group's holding company in Portugal. BST is Santander Totta SGPS' main operating unit, aggregating
the group's retail banking business in Portugal.
Santander
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