Financial and Liquidity Management Strategy

Capital ratios ST, SGPS CET 1 - phasing in 15.8% 15.4% 14.2% 14.6% 21.3% 18.3 RWA (bn€) 21.9 20.1 18.5 17.3 Dec-16 Dec-17 Dec-18 Dec-19 Sep-20 Dec-16 Dec-17 Dec-18 Dec-19 Sep-20 CET 1 - full implemented 15.1% 15.2% 14.2% 14.0% 20.3% Dec-16 Dec-17 Dec-18 Dec-19 Sep-20 Santander In Dec/17 impact of Popular Portugal integration 23

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