Santander Group Strategy Update

Supertankers B Leveraging Getnet to build our Global Merchant services Top 10 global acquirers by turnover volume €Bn1 Specialist Bank Global Merchant Services 1,500 Transaction growth 1 (Getnet vs market) getnet Market share 2 in Brazil (one of largest acquiring market in the world by revenues) +16x 14% 2x since 2014 Bank Specialist Specialist Bank Bank Specialist Bank 150 (1) EUR/USD: 1.134 EUR/GBP: 0.856 EUR/BRL 4.298 (2) Revenues market share Santander (3) Change 3Q18 vs 3Q17 Country roll-out: Short-term Medium-term >1.2Mn merchants worldwide €150Bn4 global turnover volume 34 (4) SAN includes volumes generated through third parties; Ranking excludes Chinese banks Source: Companies information. Players: Bank of America, Barclays, Cielo, Elavon, FirstData, Globalpayments, JP Morgan, Santander, Wellsfargo, Worldpay

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