Investor Presentaiton

2 Customer focus Unique personal banking relationships with over 100,000 people talking to our customers every day in our branches and other customer support services 33% 23.4 mn (+9%) Loyal/active Loyal customers customers Available anytime, anywhere, anyhow Customer support services Collaborative spaces and increased digital capabilities 21.4 mn (+9%) Individuals 2.0 mn (+10%) Companies Santander Note: data as of Mar-21 and year-on-year changes (1) Excluding Chinese banks and Sberbank of Russia Branches: >10,000 The largest branch network in the international banking world1 i ↓ T www WORK CAFÉ CAFE/ SANTANDER Santander Smart and Ágil branches guridad y 9

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