Investor Presentaiton

SOLID BALANCE SHEET LOAN PORTFOLIO/ FUNDING FROM CUSTOMERS BIS RATIO 99.5% 88.1% 90.3% 15.0% 14.9% 15.3% 12.9% 12.9% 12.3% Dec-19 Sep-20 Dec-20 Dec-19 Sep-20 Dec-20 ■BIS ratio I CET 1 Santander 42

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