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Investor Presentaiton

US | Focused model committed to profitable growth across core businesses4 Targeting segments with proven competitive advantage and strong Group network contribution Not trying to be a Universal Bank Consumer Winning Factors Adj. ROTE 1,2 US1 Market leading full-spectrum Auto lender increasingly funded by bank deposits; 13.5K dealers and $30bn+annual originations Front-to-back solutions to transform into digital-first omnichannel bank with branches Mid to High teens Commercial Top 10 CRE and Multifamily lender serving leading US developers and investors Leverage Group capital markets, trade and cross-border payment solutions CIB Global hub for USD-based capital markets and investment banking; c.$800mn in revenue in 2022 Leading with our strengths in energy transition, infrastructure, project finance & trade finance Wealth Management Leading brand in LatAm high net worth leveraging Group network contribution 6,000+ customers and $40bn CAL³ Santander 1 Adjusted return on tangible equity target, based on Group's deployed capital calculated as contribution of RWAs at 12% 2 Through-the-cycle 3 CAL customer assets and liabilities 4 Figures in International Financial Reporting Standards ("IFRS") Mid teens ≥15% Adjusted Return on Tangible Equity through-the-cycle Low teens c.100% 26
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