2023 Highlights Digital Consumer Bank Europe

01. Customer focus To bring all our customers to a common operating model, while converging to a common technology to build a digital bank with branches Santander Note: data as of Dec-23. Bo DODO Traditional banking Branches, ATMs, retail agents, ... Digital banking Internet, mobiles, tablets, smartphones, smartwatches,... Branches: >8,000 Best omni-channel experience, while we guarantee access to all segments Collaborative spaces and increased digital capabilities WORK CAFE / SANTANDER Sparsely populated communities O Most vulnerable groups Santander Smart and Ágil branches ● Low-income communities O University students WWW T i 8

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