Operational Levers to Enhance Profitability

LatAm Chile: profitability improvement in the medium-term Business priorities Reinforce market • Sustain volume growth, with high focus on retail leadership Goals • Expand fee income... ⚫ ...by developing key commercial initiatives: Workcafé, insurance, consumer finance / auto loans, asset management... • Continue improving customer experience, driving growth in loyal and digital customers 2018 Medium-term goal ROTE1 18% > 19-20% Loyal/Active customers 46% > 54% Enhanced operating efficiency with revenues growing above costs Cost of credit improving Higher returns in the medium term Santander (1) Underlying Note: in local currency 18

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