2023 Highlights Digital Consumer Bank Europe

03. Diversification Profit Customer loans Customer funds 10% 45% 55% 13% 17% Geographical well-diversified profit 25% and balance sheet 20% 16% 16% 6% 62% 15% Europe North America South America DCB Europe Santander Note: 2023 underlying attributable profit by region (% operating areas excluding Corporate Centre). Dec-23 customer loans excluding reverse repos and customer funds includes customer deposits excluding repos + mutual funds (% operating areas). 10

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