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Investor Presentaiton

EVIDENCING A SOLID BALANCE SHEET WITH STABLE AND CONTROLLED QUALITY NPL INDICATORS FROM 15 TO 90 DAYS OVER 90 DAYS COVERAGE RATIO OVER 90 DAYS 6.0% 5.2% 4.0% 4.0% 4.6% 3.5% 297% 307% 4.1% 4.2% 4.3% 3.9% 2.9% 3.0% 3.0% 3.0% 3.1% 2.4% 2.7% 2.8% 209% 2.1% 2.1% 1.9% 1.6% 1.1% 1.2% 1.1% 1.6% 1.3% 1.2% 0.9% 0.9% Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Dec-19 Sep-20 Dec-20 Individuals - Total Corporate & SMEs Santander 39

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