Investor Presentaiton

3 Diversification Business diversification among customer segments (individuals, SMEs, corporates and large corporates) Customer loans by business, Mar-21 Customer funds by business, Mar-21 Other individuals, 9% Other, 3% SCIB, 13% Loans Corporates, 13% Home mortgages, 35% SMEs, 11% Consumer, 16% SCIB, 11% Individuals demand deposits, 42% (€ Corporates, 14% Customer funds SMEs, 11% Individuals time deposits, 6% Consumer, 4% Individuals mutual funds, 12% Santander Note: customer loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds 12

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