Santander Business Strategy and Financial Inclusion

Funding structure Santander EMTN's Repos 0.7 0.0 ECB BEI Securitizations 1% 0% 0.3 0.0 0.6 1% .0% Covered Bonds. 1% 2.0 4% Customer Deposits. 38.2 83% Capital+Sub. Debt 4.5 10% As of Sep/21 22 22

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