Operational Levers to Enhance Profitability

High focus on profitability enhancement and efficient capital allocation Improved capital allocation Profitability enhancement Natural reweighting towards our most profitable geographies LatAm Minimum profitability thresholds in all segments Global + Commercial transformation & profitability Operational efficiency: simplification & further integration Medium-term ROTE 1 13-15% + RoRWA1 1.8-2.0% Medium-term FL CET11 11-12% Santander | (1) Medium term goals. Underlying for ROTE and RoRWA 35

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