Santander Financial Overview 2023

Santander Portugal continues to increase its digital footprint: a key lever to drive customer loyalty and service quality perception Total customers (mn) -3% Active customers (mn) Digital customers (mn) +12% +4% 3.0 1.1 2.9 1.0 1.7 1.8 Mar-22 Mar-23 Mar-22 Mar-23 Mar-22 Mar-23 Our commercial and digital transformation, aiming at providing first-class service to customers, continues to be reflected in sustained growth in the number of active customers (+4%) We aim to provide a seamless experience across channels, translated into the continued increase in digital customers (+12%) 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 8

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