Our Digital Consumer Bank Pitch

... and we will also continue to improve capital allocation focusing on higher growth opportunities Disciplined capital allocation High RoRWA organic growth Primarily in Americas Fee income businesses Santander of Tomorrow SCIB, Wealth Management, Payments Software One Santander, PagoNxt and Digital Consumer Bank EPS + TNAVPs growth Dividend growth (40%-50%¹ cash payout) Santander (1) The board's intention is to restore in the mid-term a payout of 40-50% of the underlying profit. With respect to the remuneration against 2021 results, the intention is, in line with the announcement made in April 2020, to maintain the suspension of the dividend policy while the ECB 2020/63 recommendation of December 15th applies. 14

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