Santander Business Strategy and Financial Inclusion

Capital ratios - ST, SGPS CET 1 - full implemented 15.2% 14.2% 14.0% 20.6% 23.9% 21.9 RWA (bn€) 20.1 18.6 18.0 16.0 Dec-17 Dec-18 Dec-19 Dec-20 Sep-21 Dec-17 Dec-18 Dec-19 Dec-20 Sep-21 Santander 23

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