Our Digital Consumer Bank Pitch

Clear strategic priorities and plan for growth in EPS + TNAVPS Our resilient business model delivered sound results in 2020 ⚫ EUR 5 bn underlying profit and resilient net operating income (+2% YoY) while growing loyal (+6%) and digital customers (+15%) ● Robust credit quality with cost of credit at 1.28% • Strong organic capital generation, with 12.34%¹ Group CET1 Our capital allocation will drive growth, with three strategic priorities: • One Santander - in Europe, 10-12% ROTE and 45% efficiency ratio in the medium term PagoNxt - building off existing assets (Getnet, Wirecard in Europe). Getnet Brazil listing expected in 20212 Digital Consumer Bank - 2x PAT medium-term goal Santander (1) Data applying the IFRS 9 transitional arrangements (2) Subject to necessary approvals 65

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