Financial Review Quarter 3 2023

Santander Portugal aims to provide best-in-class service to its customers, maintaining a leadership position in lending KEY DATA 9M'23 YoY Var. Customer loans (gross) €44.9 bn +3.4% Customer Deposits €35.5 bn -9.7% Attributable profit €621.7 mn +61.5% ROTE¹ 20.9% +5.9 pp Efficiency ratio 27.5% -11.5 pp Loans market share² 17.1% -32 bps Deposits market share² 13.9% -94 bps Total customers 2.9 mn -4.8% Digital customers 1.2 mn +7.4% Branches³ 332 -2.4% 4,662 -0.3% Se Employees³ ◆Santander (1) Using tangible equity. (2) As at Mar-23 (3) Branches and Employees in Portugal Strategic Priorities Continue to implement our transformation plan with the aim of improving service quality and increasing our customer base Grow organically in terms of profitable market share and with adequate capital remuneration 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 6

View entire presentation