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Investor Presentaiton

The T&O strategy aims to enable our digital transformation by partnering with businesses and support functions, while managing risks and improving cost efficiency Global T&O capabilities are key for our commercial and digital transformation Composed of four main domains that contribute to the digital transformation Focused on five technological pillars to respond to the changing business needs Operating model oriented to develop global products and digital services, guaranteeing their quality and security Technology Cybersecurity Operations *** ATMs Data T Santander Risk Business needs Speed Innovation Security by design Cost Service quality Open business model Management (incl. cybersecurity) Common Architecture Agile Cloud Core Deep systems technology evolution skills Data c. 2,700 professionals Robust Santander T&O allowing us to continue running the Bank and serving our customers remotely with high standards during the covid-19 crisis Global Tech 36
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