Our Digital Consumer Bank Pitch

Portugal Santander Portugal is the country's largest privately-owned bank by assets and loans 2020 Highlights Strategic priorities Branches 477 Further the digital and commercial transformation, to make it simpler, more agile and closer to customers MA Employees 6,336 Loyal customers (k) 812 Grow organically in terms of profitable market share, improving 2 our lending leadership position and Digital customers (k) 930 leveraging our position in the Corporate and SME segments Customer loans (EUR bn) 39 Customer funds (EUR bn) Underlying attributable profit (EUR mn) 338 Improve efficiency backed by our digital capabilities to better serve our customers 43 Underlying ROTE 9% Contribution to Group's profit 5% BANK EUROMONEY Digilosofia AWARDS FOR EXCELLENCE 2020 A filosofia digital do Santander WARD 2020 GLOBAL FINANCE 9=00 Santander Maintain an appropriate risk policy to maintain a low cost of credit, whilst maintaining a strong capital and liquidity position WORLD FINANCE BEST RETAIL BANK, PORTUGAL 2020 SANTANDER Santander | Boutique Santander Note: Customer loans: Gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds 28 Pay

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