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Investor Presentaiton

Santander Portugal continues to increase its digital footprint: a key lever to increase customer loyalty and service quality perception Total customers (mn) 3.1 0% 3.0 Loyal customers (mn) +7% 0.91 0.84 Digital customers (mn) +9% 0.98 1.07 Sep-21 Sep-22 Sep-21 Sep-22 Sep-21 Sep-22 Digital sales/totalĀ¹: 49% (-8pp YoY) Our commercial and digital transformation aiming at providing first-class service to customers continues to be reflected in sustained growth in the number of loyal customers (+7%) We aim to provide a seamless experience across channels, translated into the continued increase in digital customers (+9%) 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 (1) YTD data. 8 00
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