Our Digital Consumer Bank Pitch

Group CET1 rose 69 bps YoY, exceeding our 11%-12% target CET1 ratio evolution 11.65 +0.02 +1.04 +69 bps -0.43 -0.14 +0.29 12.34 -0.09 Dec-19 Organic generation Regulatory & Models One-offs & corp transactions Markets & others No complementary Dividend accrual 2020 Dec-20 dividend 2019 Santander 58

View entire presentation