2023 Highlights Digital Consumer Bank Europe

The Santander Way Our aim To be the best open financial services platform, by acting responsibly and earning the lasting loyalty of our people, customers, shareholders and communities Who we are and what guides us Our purpose To help people and businesses prosper Our how Everything we do should be Simple, Personal and Fair Santander which motivates An engaged talented team generates support for our communities We create value for all customer loyalty so we deliver strong financial results for our shareholders leading to 5

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