2023 Highlights Digital Consumer Bank Europe

...leveraging our business model strengths: diversification, customer focus and global and in-market scale Our two key strategic and operating advantages... Leadership position in local markets + Global network businesses >>> .are driving structural benefits helping us become the most profitable bank in every market Higher growth in customer revenue and profitability from network effects + Lower costs from common operating model + Tech platforms Currently we are Top 3 in profitability in 8 out of our 10 markets1 Santander (1) Latest available data (9M'23). 54 54

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