Our Digital Consumer Bank Pitch

☐ Spain Santander España remains committed to maintaining its leadership by supporting individual customers, SMEs and Corporates, especially to overcome the covid-19 crisis 2020 Highlights Strategic priorities Continue to develop our distribution, operational and organizational model to reduce costs and accelerate our digital transformation Boost revenue by focusing on developing the corporate segment and improving offer for individuals and customer experience. Also, strengthen our leadership position in Private Banking and CIB Branches 2,939 MA Employees 26,961 Loyal customers (mn) 2.6 2 Digital customers (mn) 5.2 Customer loans (EUR bn) 201 Customer funds (EUR bn) 321 Underlying attributable profit (EUR mn) 517 Underlying ROTE 3% Contribution to Group's profit 7% Optimize capital use, focusing on value-added segments and higher profitability products Adapt the risk management model and policies, strengthening the recovery management model and mitigating operational risks Bloomberg Gender Equality Index top EMPLOYERS INSTITUTE PRIVATE BEST P EUROMONEY PRIVATE BANKING 2020 BANK AWARD 2027 GLORAKO FINANCE LaLiga Santander One Pay FX Smart Bank Santander One Santander Note: Customer loans: Gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds 26

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