Operational Levers to Enhance Profitability

CIB & Wealth management are two well-established and highly profitable global businesses which benefit from the Group's scale & global footprint Santander Existing global businesses Corporate and Investment Banking Payment related businesses Shared services Wealth Management¹ Consumer Finance² Global Merchant Services Global Trade Services One Pay FX Digital | IT&Ops | Procurement Santander (1) Wealth Management including Insurance. Global Consumer Finance including SCF, UK, LatAm consumer finance operations and SCUSA. 30 30

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