Santander Group Strategy Update

A Global Trade Services: one global platform providing integrated best-in-class solutions World trade growth 1.5x faster than GDP growth Higher gross margin per customer¹ 2.5x SMEs International SMEs >170k Number of SMEs trading internationally Market leaders >20% market share² >€500M n Revenues² trading internationally Supertankers Our vision Deliver fast & efficient products for SMEs, previously only accessible to Corporate We have the full product suite: ☐ Trade Finance Supply chain Payments FX Santander (1) Considers only SP, BR and MEX. For MX assumes GM per intl. SMEs is 2.5 higher than avg. SMEs (same as mid. Corp segment). (2) In trade and FX products. 33 33

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