Financial and Liquidity Management Strategy

Strategy and business We continue doing business in a more responsible and sustainable way Culture Great Place to Work Best Bank to Work in Portugal for the 4th consecutive year & Top 3 of the Best Large Companies, by the Great Place to Work Institute. Santander Portugal has renewed its certification as an Empresa Familiarmente Responsável (Familiarly Responsible Company) by the MásFamília Foundation. 24% Women in senior leadership positions 86% of employees proud to work for Santander Communities - COVID-19 initiatives Santander Portugal has supported over 120 NGOs ➤ 37,000 people helped through our community programmes. (9M'20) Since the beginning of the COVID-19 crisis, Santander Portugal has tripled its budget in CSR, namely regarding the donations to social institutions Launched 800 social grants - Bolsas Santander Futuro - aimed at helping University students affected by the Coronavirus Crisis. Santander Women Emerging Leaders Grant, a programme focused on networking and developing negotiation skills as part of the leadership trajectory Santander Green finance & Env. footprint 100% Electricity used from renewable energy sources Launched Green Mortgages. Reduction in the spread for mortgages in which the houses have the best environmental ratings. Biodegradable bank cards with the Carbon NeutralⓇ quality seal. Santander Portugal promotes sustainable mobility: minibuses for employees as well as parking space for bicycles Financial inclusion ➤ 157,613 people financially empowered (2019-H1'20) ➤ Launch of a financial literacy blog with articles on savings and investment 9

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