Our Digital Consumer Bank Pitch

Loyal customers 2020 (vs. 2019) (mn) 10.0 Europe Our geographical and business diversification continues to add value Net operating income (EUR mn) Contribution to Group's underlying profit¹ 37% Customer loans (EUR bn) 658 9,379 +1% +4% -5% North 3.9 121 6,379 21% America +13% +2% +1% South 8.6 119 9,533 42% America +9% +15% +5% 113 Global Businesses 3,328 SCIB WM&I SCIB SCIB +9% +30% 26% 370 1,229 WM&I WM&I AUMS Digital +0% +6% Consumer Bank O 12% Digital Consumer Bank² 116 +1% 2,834 +1% 16% Retail Banking 46% Santander YoY changes in constant euros Global Businesses included in Europe, North America, and South America. Digital Consumer Bank included in Europe's perimeter. (1) Underlying profit contribution excludes Corporate Centre (€-1,844mn) and Santander Global Platform. South America's weight includes Uruguay & Andean Region (€203mn) (2) Proforma 60

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