Our Digital Consumer Bank Pitch

1 Scale Market shares Local scale based on three geographic regions with global reach backed by our global businesses North America Europe 3% Loans 10% Loans 2% Deposits 8% Deposits 12% Loans Top 5 in retail 18% 11% Deposits auto lending Loans 13% 15% Loans Deposits SCF Top 3 auto finance 17% Loans 18% Deposits South America 13% Deposits 10% Loans 18% Loans 11% Deposits 17% Deposits 11% Loans 11% Deposits We maintain a leadership position Santander in our 10 core markets Global businesses Santander Corporate & Investment Banking SCIB Wealth Management & Insurance WM&I Enabling greater collaboration across the Group to generate higher revenue and efficiencies Market share data: as at Sep-20 and Argentina, USA and SCF latest available. Spain includes Santander España (public criteria) + Openbank + Hub Madrid + SCF España, and Other Resident sectors in Deposits. The UK: includes London Branch. Poland: including SCF business in Poland. The US: in all states where Santander Bank operates. Brazil: deposits including debenture, LCA (agribusiness notes), LCI (real estate credit notes), financial bills (letras financeiras) and COE (certificates of structured operations) 7

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