Santander Financial Overview 2023

Santander Portugal aims to provide best-in-class service to its customers, maintaining a leadership position in lending Q1'23 YoY Var. Strategic Priorities KEY DATA Customer loans¹ €39.3bn -2.1% Customer funds² 2 €41.1bn -5.1% Attributable profit €180mn +21.4% هههه ROTE 20.9% +5.9pp Efficiency ratio 32.6% -5.0pp Loans market share³ 17.4% -11bps Deposits market share³ 13.9% -80bps Total customers 2.9mn -3.3% Digital customers 1.1mn +11.6% Branches 377 -3.1% Employees 4,957 -1.0% Santander (1) Excluding reverse repos. (2) Excluding repos. (3) As of Dec-22. Continue to implement our transformation plan with the aim of improving service quality and increasing our customer base Grow organically in terms of profitable market share and with adequate capital remuneration Maintain our position as market leaders in efficiency, improving the cost base Maintain an appropriate risk policy with high credit quality and strong capital position 7

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