Santander Group Strategy Update

K 7 ку Growth Increase in loyal and digital customers has delivered sustained top line growth Loyal customers (Mn) 13.8 +44% 19.9 Digital customers (Mn) +93% Customer revenues (Constant €Bn²) +24% 45.8 32.0 37.0 16.6 2015 2018 3.4x higher revenues per customer¹ vs non loyal 2015 2018 2X higher revenues per customer vs non digital Santander (1) Individuals and SMEs in retail franchises. (2) +9% in current euros. 2015 2018 7

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