Operational Levers to Enhance Profitability

...should result in RoRWA improvements across the board RoRWA 20181 SCF <2% 2-3% >3% Medium-term RoRWA¹ SCF <2% 2-3% >3% RoRWA1 evolution SCF 2 Higher expected profitability driven by business improvement and capital allocation Santander | (1) Underlying 37

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