Our Digital Consumer Bank Pitch

Our Digital Consumer Bank: building on a strong foundation C Global consumer financing A Openbank business serving offline and e-commerce merchants >55k Merchant POS c. EUR 20 bn Loans Digital Banking APIs (SaaS model) Santander Largest full-service global digital bank in the world 1.2 mn Customers c. EUR 10 bn Deposits + 6 mn new consumers /yr in 15 markets Low-cost funding for loan growth B Santander Auto Auto loan and leasing business serving OEMs and dealers Digital Consumer Bank >75 k Dealer & OEM POS c. EUR 85 bn Loans Openbank technology and data capabilities grow revenues by adding services and improving productivity 20 20

View entire presentation