Our Digital Consumer Bank Pitch

2 Customer focus Digital adoption has accelerated resulting in increased mobile customer base and digital sales penetration 42.4 mn (+15%) Digital customers1 35.3 mn (+21%) Mobile customers Digital technology boosting financial access 44% Digital sales² as % of total sales Santander Traditional banking Branches, ATMs, retail agents, ... Digital banking Internet, mobiles, tablets, smartphones and smartwatches... +25% YoY # Accesses³ (online & mobile) +27% YoY # Transactions4 (monetary & voluntary) Guaranteeing access for all segments ● Sparsely populated communities Low-income communities ● Most vulnerable groups O University students Note: data as of 2020 and year-on-year changes (1) Every physical or legal person, that, being part of a commercial bank, has logged in its personal area of internet banking or mobile phone or both in the last 30 days (3) Percentage of new contracts executed through digital channels Private accesses. Logins of bank's customers on Santander internet banking or apps. ATM accesses by mobile are not included (4) Customer interaction through mobile or internet banking which resulted in a change of balance. ATM transactions are not included 10

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