Investor Presentaiton

Uruguay "Santander Uruguay is the country's leading privately-owned bank" Q1'21 Highlights Peru "Activity focused on corporates, the country's large companies and the Group's global customers (SCIB)" Q1'21 Highlights Colombia "Focus on corporate and SCIB, and new alliances in auto finance" Q1'21 Highlights Underlying att. profit (EUR mn) 26 Underlying ROTE 22% Underlying att. profit (EUR mn) Underlying ROTE 12 Underlying att. profit (EUR mn) 5 20% Underlying ROTE 14% Strategic priorities Continue to invest in technology and process automation to further improve efficiency, accelerate digitalization and continue to increase our presence and market share Strategic priorities ■ Increasing Corporate Finance's activity and expanding our auto and consumer finance entity by widening our product range, improving distribution channels and diversifying funding sources while maintaining customer satisfaction Strategic priorities Implementing different regional initiatives such as Cockpit and Pioneer, in line with the strategy of One Santander, and launch of Prospera and Superdigital Santander 29

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