Investor Presentaiton

1 Scale Market shares Local scale and leadership. Worldwide reach through our global businesses and PagoNxt 2% Deposits 3% Loans 9% Loans 7% 12% Deposits Loans Top 7 in retail 18% 11% Deposits 13% Loans auto lending 13% Deposits Loans 15% Deposits SCF 18% Loans Top 3 auto finance Digital Consumer Bank 18% Deposits Secondary segments Santander Corporate & Investment Banking SCIB Wealth Management & Insurance 10% Loans 19% Loans 10% Deposits 17% Deposits 11% Loans 11% Deposits We maintain leadership positions Santander WM&I PagoNxt Enabling greater collaboration across the Group to generate higher revenue and efficiencies Market share data: as at Dec-20 and Argentina, USA and SCF latest available. Spain includes Santander España (public criteria) + Openbank + Hub Madrid + SCF España, and Other Resident sectors in Deposits. The UK: includes London Branch. Poland: including SCF business in Poland. The US: in all states where Santander Bank operates. Brazil: deposits including debenture, LCA (agribusiness notes), LCI (real estate credit notes), financial bills (letras financeiras) and COE (certificates of structured operations) 7

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