2023 Highlights Digital Consumer Bank Europe

Consumer Transforming into a best-in-class, global business and operating model Д Customer experience Operational leverage Global platform 2025 target Global relationship management (OEMS, importers, retailers) Operational & commercial benchmark to maximize profitability and growth From multiple country- specific platforms to global platforms (e.g. Leasing, BNPL) > 14% ROTE 11.5% 2023 c.40% C/I Key drivers Total customers (mn) +1% 25.4 25.2 Retail deposits cost-to-serve (bp) -8bp 118 110 # of non-commercial FTEs¹ per mn total customers 42.8% 2023 -0.4% 439 437 2022 2023 2022 2023 2022 2023 Santander (1) DCB Europe only. 40 57

View entire presentation