Q1'21 Earnings Presentation

Strategy and business Driving innovation and attracting customers Auto finance Auto financing through "Super Auto Santander" together with commercial alliances with strategic partners enable further penetration of the auto loan market >6% market share reached in Feb-21 vs. 2% in Feb-20 Mortgages HIPOTECA PLUS Hipoteca FREE The only bank in Mexico to offer a tailored interest rate based on the customer's profile Strong performance of Hipoteca Plus, accounted for 50% of mortgage new lending in Q1'21. Hipoteca Plus rewards new loyal customers who keep their payrolls and other financial products with one of the lowest rates in the market, 7.75%. Our Hipoteca Online, the only mortgage platform in Mexico that connects all end-to-end processes, helps to drive originations Credit card customer attraction Santander free Sontander light VISA Santander Santander Sentonder Sontander Santander FR FR Santander FR First bank in Mexico to offer cards without numbers to its customers. This innovation is complemented by the digital card with dynamic CVX (Dynamic Security Code) () Distribution network transformation Shift to an omni-channel banking experience to attract and retain customers Transformed 579 branches. New branch layout is more efficient, user friendly, promotes use of digital, self-services and P&L per branch Santander Digitalization SuperNET SuperMóvil Súper Wallet Upgrading online and mobile banking platforms to offer customers innovative and high quality services that satisfy their dynamic demands • New functionalities for our Supermóvil and Superwallet mobile apps including new shortcuts and more than 30 security features Introducing Sandi, our new customer digital assistant. A tool that encourages self-service on digital channels by answering questions about more than 60 topics related to operations, such as credit and service payments, account statement downloads, amongst others Fully digital onboarding for new payroll customers, reducing the time to open new accounts Corporate & Investment Banking Santander Corporate & Investment Banking Continuing to position our Corporate & Investment Banking business as one of the top three players in Mexico 9

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