Investor Presentaiton

New organizational structure towards the Santander of Tomorrow O 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 O 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 O • The Corporate Centre and other functions servicing the whole Group Europe Group organizational and management structure Other Europe Primary segments North America South America Digital Consumer Bank¹ Secondary segments Santander Corporate & Investment Banking Santander Wealth Management & Insurance Group functions and Corporate Centre activities PagoNxt Audit Compliance Risk Universities Communication, Corporate Marketing and Research Costs General Human Secretariat Resources Technology Financial & Control/ Operations Accounting Finance Santander (1) Combining Santander Consumer Finance and Openbank (2) Includes Legal, Governance, Tax and Security & Intelligence Strategy, Corporate Dev.& Financial Planning Exec. Chairman's Office & Responsible Banking 15

View entire presentation