Santander Group Strategy Update

We are confident our strategy will drive further loyal customers while increasing EPS and TNAV per share Medium-term goals لا Growth Santander | (1) Underlying. ROTE1 13-15% Efficiency 42-45% FL CET1 11-12% Dividend pay-out ratio 40-50% الله Profitability လ ט. Strength 42 42

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