Investor Presentaiton

Group organizational structure • One Santander (Europe, North America and South America). New operating model leveraging our global scale to deliver a better customer experience, supported by common culture and higher degrees of commonality, technology being one • Digital Consumer Bank: our vision is to become the largest digital consumer bank in the world ⚫ Global businesses (SCIB, WM&I and Cards & Digital solutions) to enhance our local scale with global reach and collaboration • PagoNxt: innovative payments solutions for both Santander and non-Santander clients • The Corporate Centre and other functions servicing the whole Group Towards the Santander of Tomorrow Primary segments Europe North America South America Spain Portugal UK United States Poland Mexico Other Europe Brazil Chile Argentina Uruguay Peru Colombia SCF Secondary segments Digital Consumer Bank SCF Cw Openbank Retail Banking Includes Cards & Digital Solutions SCIB WM&I includes Private Banking, Asset Management and Insurance Group functions and Corporate Centre activities PagoNxt Internal Audit Strategy & Corporate Development General Secretariat¹ Comms & Marketing Risk & Compliance Chair's Office Technology & Operations Talent & Human Resources Financial Accounting Finance & Control Regulatory & Supervisory Relations Universities Santander (1) Includes Legal, Internal Governance, Tax and Security & Intelligence Investment Platforms & Corporate Investments Costs & Organisation 17

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