Our Digital Consumer Bank Pitch

Our ambition: to grow revenues and x2 PAT¹ in the medium term and build the most innovative consumer lending business in Europe Great potential... Santander Consumer Finance BO Openbank c.18 mn Active customers 4.5 Avg. products per customer ... to build a new paradigm... ■ Common apps, data and systems infrastructure across regions ■ Single streamlined operating model across auto, consumer lending and retail in 15+ countries Simplified license and common compliance model ■ New auto, consumer lending and retail banking country launches ... and deliver strong financial results Medium-term goals c.15% Underlying ROTE 39% Efficiency ratio Digital Consumer Bank Santander (1) Underlying 21

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