Our Digital Consumer Bank Pitch

... and efficiency gains exceeded 2020 target Costs % change YoY in constant EUR Europe -10% -2% -5.8% -6% -6% -5% North -5% -1.7% America +5% South America¹ +1% 1.5% 0% Group -2.0% Digital Consumer Bank² -0.4% Santander (1) Excluding Argentina, otherwise +4.0% (2) Proforma Increasing productivity in most markets 56

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