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Investor Presentaiton

Corporate governance and internal control 'Best practices on robust governance are channelled to all subsidiaries' Group-subsidiary governance model Group Board of Directors Subsidiary B The Group-subsidiary governance model enhances control and oversight through: Subsidiary A A Group Executive Chairman¹ Group CEO² Board of Directors A Presence of the Group in the subsidiaries' boards of directors establishing guidelines for board structure, dynamics and effectiveness B CEO/Country Head B Regional Heads³ Reporting of the CEO / Country Heads to the Group CEO/ Regional Heads and Group executive committee Control, management and business functions ⚫ Compliance Control, management and business functions ⚫ Compliance C Interaction between the Group's and the subsidiaries' control, management and business functions ⚫ Audit . Risk ⚫ Finance • Financial Control / Accounting ⚫ Others4 Santander C • Audit • ⚫ Risk • Finance . • Financial Control / Accounting Others4 The Group's appointment and suitability assessment procedure is a key element of Governance (1) First executive (2) Second executive (3) Europe, North America and South America, reporting to Group CEO (4) Technology & Operations, Human Resources, General Secretariat, Marketing, Communications, Strategy, Santander Corporate & Investment Banking and Wealth Management & Insurance and Cards & Digital Solutions. 42
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