Our Digital Consumer Bank Pitch

... further embedding ESG to build a more responsible bank Environmental: supporting the green transition Helping customers go green EUR 33.8 bn EUR 6.9 bn AUM since 2019 Social Responsible Investment Going green ourselves Green Finance EUR 1 bn green bond issued Social: building a more inclusive society Talented & diverse team Top 101 in 6 geographies 23.7% women in leadership positions Financially empowering people EUR 469 mn credit to microentrepreneurs in 2020 Carbon Neutral 4.9 mn people² since 2019 (2nd since 2019) in own our operations Aligning to Paris targets Supporting society 4.0 mn people 1st CCCA³ report 1st TCFD4 report helped since 2019 225 k scholarships granted since 2019 Governance: doing business the right way A strong culture 86% Simple, Personal, Fair employees proud to work for Santander Taking ESG criteria into account when determining remuneration An independent, diverse Board >60% Independent directors 40% women on Group Board Governance embedded to deliver on ESG Santander (1) Top 10 company to work for People financially empowered through Santander initiatives (3) Collective Commitment to Climate Action (4) Task Force on Financial Climate Disclosure UNEP PRINCIPLES FOR FINANCE RESPONSIBLE INITIATIVE BANKING PRI Principles for Responsible Investment THE GLOBAL COMPACT 2020 Member of Dow Jones Sustainability Indices Powered by the S&P Global CSA EUROMONEY AWARDS FOR EXCELLENCE 2020 Bloomberg Gender-Equality Index WE SUPPORT 52

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