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Investor Presentaiton

We rely on: 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 has allowed us to maintain our medium-low risk profile despite the current macroeconomic environment Clearly defined management and control processes Common Risk Principles aligned with regulatory requirements and inspired by best market practices risk pro Santander 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 Risk management and control is key in supporting our customers' green transition and the fulfilment of our sustainable goals Our strong Risk culture is based on the principle that all employees are risk managers, supporting long-term business sustainability More information on the Group's Overview of our Corporate Governance presentation. See link to this document on page 56. 40 40
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