Financial and Liquidity Management Summary

Capital ratios - ST, SGPS CET 1 - full implemented 25.1% 15.1% 14.2% 14.1% 20.6% 17.3% RWA (bn€) 21.9 19.9 18.5 18.0 15.4 14.9 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Sep-22 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Sep-22 Santander 23

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