Santander Group Strategy Update

Group knowledge and scale add increasing value to our retail and commercial franchises SCALE / DIVERSIFICATION Existing global businesses SCF Santander 20153 2018 Attributable profit Corporate and Investment Banking Wealth Management¹ Consumer Finance² €4.0Bn €4.9Bn Payment related businesses Shared services Global Merchant Services Global Trade Services One Pay FX Digital IT&Ops | Procurement New Retail + SME segments (1) Wealth Management including Insurance. Santander (2) Global Consumer Finance including SCF, UK LatAm consumer finance operations and SCUSA. (3) 2015 figures in constant euros from 2018. Efficiency improvement Digital and IT&Ops Global procurement €430M n €250 M n 13

View entire presentation