Operational Levers to Enhance Profitability

Efficient capital allocation standards of our CIB business to be implemented in all of our businesses & segments.... CIB's strong performance... Revenues +2% CAGR ...expected to be achieved in all segments 1 2 RWAs -5% CAGR 3 RORAC-based tools to maximise the return on capital... ... ensuring that all customer relationships create value Establish a governance and methodology that rules the entire approval process for all transactions... RORWA +13% CAGR 4 5 2015 2018 Santander ...and is consistent across the Group Granular bottom-up monitoring process to analyse returns at all levels 36

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