Banco Comercial Portugues

Capital/Financing Update • Dec 9, 2025

Banco Santander Totta S.A.

Matriculado na Conservatória do Registo Comercial do Lisboa sob o n.º 500 844 321 NIPC n.º 500 844 321 LEI: 549300URJH9VSI58CS32

Capital Social: EUR 1.391.779.674 Sede: Rua Áurea, 88 - 1100-063 Lisboa Freguesia de Santa Maria Maior (Ex. São Nicolau), Lisboa

ANNOUNCEMENT ON MINIMUM PRUDENTIAL REQUIREMENTS APPLICABLE IN 2026

Banco Santander Totta, S.A. ("Bank") informs it has been notified of the European Central Bank's (ECB) decision regarding minimum prudential capital requirements, to be observed in 2026, on a consolidated basis, based on the results of the Supervisory Review and Evaluation Process (SREP). The Pillar 2 requirement in 2026, defined under the SREP, has been maintained at 1.65%.

Additionally, the Bank of Portugal informed about the Other Systemically Important Institutions (O-SII) buffer to be fulfilled by the Bank.

The minimum own funds requirements to be observed from the referred date, calculated as a ratio of total Risk Weighted Assets (RWA), are as follows:

		of which:			Ratios
		Pillar 1	Pillar 2	Buffers	30-Sep-25
CET1	10.238%	4.500%	0.928%	4.810%	13.48%
T1	12.047%	6.000%	1.238%	4.810%	20.77%
Total	14.460%	8.000%	1.650%	4.810%	22.38%

The buffers include the capital conservation buffer (2.5%), the O-SII buffer (0.75%), the sectoral systemic risk buffer (0.81%, effective since October 1st, calculated quarterly) and the countercyclical buffer (0.75%).

Considering the capital ratios (fully loaded) calculated as of 30 September 2025, the Bank complied with the new minimum capital requirements for CET1 (Common Equity Tier 1), Tier 1 and Total ratios.

Lisboa, 9 December 2025

Banco Santander Totta, S.A.