Investor Presentaiton

Group organizational structure Towards the Santander of Tomorrow • One Santander (Europe, North America and South America). New operating model leveraging our global scale to deliver a better customer experience, supported by common culture and higher degrees of commonality, technology being one • Digital Consumer Bank: our vision is to become the largest digital consumer bank in the world • Global businesses (SCIB and WM&I) to enhance our local scale with global reach and collaboration • PagoNxt: innovative payments solutions for both Santander and non-Santander clients • The Corporate Centre and other functions servicing the whole Group Primary segments Europe North America South America Digital Consumer Bank Spain Portugal UK United States Poland Mexico Other Europe Brazil Chile Argentina Uruguay SCF Peru Colombia SCF Cw Openbank Retail Banking Secondary segments SCIB WM&I Group functions and Corporate Centre activities Audit Compliance Risk Universities Communication, Corporate Marketing and Research Costs General Human Secretariat Resources Technology Financial & Control/ Operations Accounting Finance Santander (1) Includes Legal, Internal Governance, Tax and Security & Intelligence PagoNxt Exec. Chairman's Strategy, Corporate Dev.& Financial Planning Responsible Office & 17 Banking

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