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Investor Presentaiton

Risk management and compliance 'Our solid Risk & Compliance function is key to making sure we remain a robust, safe and sustainable bank that helps people and businesses prosper' 3 lines of defence model with a robust risk committees structure * Advanced management tools to effectively manage and control all risks under a forward-looking approach Risk Profile Assessment Continuous risk identification and evaluation to address potential threats Scenario Analysis Anticipating potential impacts to take early action Risk Appetite & structure of limits Amounts and types of risks deemed prudent to assume Risk Reporting Structure Comprehensive, versatile with deep analysis to facilitate decision making Customers Our proactive and customer-centric Risk and Compliance management enables us to maintain our medium-low risk profile We rely on: Clearly defined management and control processes Common Risk Principles aligned with regulatory requirements and inspired by best market practices Models & data unit Boosting our analytic capabilities to provide tailored value propositions for our customers through a cross-functional scope of risk & business models O Oversight Plan Risk & Compliance annual plans to better oversight and follow-up the implementation of long-term strategies ESG risk management Our risk management and control model is key in supporting our customer in their green transition and the fulfilment of our Net-Zero commitments risk pro Our strong Risk culture is based on the principle that all employees are risk managers, supporting long-term business sustainability Santander More information on the Group's Overview of our Corporate Governance presentation. See link to this document on page 58. 40 40
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