Our Digital Consumer Bank Pitch

e-commerce open platform →Santander Consumer Finance Our vision is to build a global digital consumer lender on the shoulders of the existing SCF footprint and the technology of Openbank's digital platform: Digital Consumer Bank DCB Strategic priorities Help our partners with digitalization and transformation, proactively manage brand agreements and develop digital projects in all business lines Countries: ● Austria O Belgium ● Denmark O Finland O France O Germany Italy SCF 2020 Highlights Branches 352 00 MA Employees 14,376 Active customers (mn) 17.6 Point of sales (k) c. 130 Execute the strategic operations initiated in 2020 to maintain high profitability and best-in class efficiency Customer loans (EUR bn) 104 Customer funds (EUR bn) 39 Accelerate combined business digitalization to drive sustainable long-term growth Underlying attributable profit (EUR mn) 1,085 Underlying ROTE 13% Define and begin executing the path to convert creditors into full customers taking advantage of SCF's lead ● Sweden Contribution to Group's profit 15% generation power and Openbank's retail banking platform ● Switzerland O The Netherlands The United Kingdom¹ ● Norway O Poland ● Portugal O Spain top EMPLOYER GWIAZDY BANKOWOŚCI EUROPE 2020 CERTIFIED EXCELLENCE IN EMPLOYEE CONDITIONS GU Santander (1) UK data included in Santander UK Note: Customer loans: Gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds 30

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