Our Digital Consumer Bank Pitch

Risk management and compliance Our Risk Management & Compliance function is key to making sure we remain a robust, safe and sustainable bank that helps people and businesses prosper We rely on: *x*x A Risk strategy that enhances our risk management & control across Grupo Santander 피 Common Risk Principles aligned with regulatory requirements and inspired by best market practices Risk Profile Assessment 3 lines of defence model der with a robust risk committees structure Clearly defined management and control processes Covid-19 Anticipating Risk profile changes & defining strategies to mitigate impacts is key to maintain our solid position in terms of capital and liquidity Climate change and risk management Our risk & compliance management and control model is a crucial driver of Grupo Santander contribution to sustainable economic growth Risk appetite & structure of limits Scenario Analysis Risk Reporting Structure Advanced risk management tools to effectively manage and control all risks under a forward-looking approach Continuous risks identification and evaluation to address potential threats It sets the amounts and types of risks deemed prudent to assume To anticipate potential impacts and take early action Comprehensive, versatile with deep analysis to facilitate decision making Santander More information on the Group's Overview of our Corporate Governance presentation. See link to this document on page 68 PULL HANDLE DOWN ALL THE WAY LET GO Our strong Risk culture is based on the principle that all employees are risk managers, supporting long-term sustainability risk pro Everyone's business 45

View entire presentation