Investor Presentaiton

IN A CHALLENGING YEAR, OUR CULTURE SETS US APART BY THE SPEED WITH WHICH WE ADAPT OUR BUSINESS TO SUPPORT OUR CUSTOMERS, SOCIETY AND EMPLOYEES, WHILE DELIVERING VALUE TO OUR SHAREHOLDERS Santander COMMERCIAL ACTIVITY MOMENTUM ALLOWS US TO ACHIEVE HIGHER PRODUCTIVITY LEVELS AND CONQUER NEW MARKETS ONGOING EVOLUTION OF OUR RISK MANAGEMENT FRAMEWORK ENABLES US TO REACH ABOVE-MARKET LOAN QUALITY INDICATORS CEASELESS QUEST FOR OPERATIONAL EXCELLENCE AND PROFITABILITY A YEAR OF EXPANSION IN SUSTAINABLE BUSINESSES AND COMMITMENT TO SOCIETY OUR PEOPLE AS PROTAGONISTS OF A BANK-WIDE TRANSFORMATION 44

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