Market Shares and Financial Update

Strategy and business Santander Portugal is the largest privately owned bank in Portugal by loans KEY DATA* 1Q21 YoY Var. Customer loans¹ EUR 43.0 bn +5.0% Customer Deposits² EUR 36.2 bn +3.5% Underlying att. profit EUR 34.2 mn -71.2% одо Underlying ROTE 15.9% +858 bps Efficiency ratio 34.1% -740 bps Loans market share³ 17.8% +3 bps Deposits market share³ 14.6% -90 bps B: D D 1- Loyal customers 816 k +4.4% Digital customers 970 k +21.7% Branches4 Employees 386 -19.9% 5,954 -3.5% (1) Excluding reverse repos. Santander (3) As at Dec-20 (2) Excluding repos. (4) Branches in Portugal STRATEGIC PRIORITIES Deepen the digital and commercial transformation of the Bank to make it simpler, more agile and closer to customers Maintain an appropriate risk policy, with enhanced follow-up procedures, to keep the cost of credit under control Continue focused on gaining profitable market share, improving our position as leading private sector bank and leveraging our position in the corporate sector, especially in SMEs Improve efficiency, leveraging on the digital capability to better serve customers Keep a solid capital and liquidity position, in the current challenging environment 6

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