Our Digital Consumer Bank Pitch

3 Diversification Geographic diversification in three regions, with a good balance between mature and developing markets Contribution to 2020 underlying attributable profit¹ Dec-20 Group's contribution² by regions Brazil; 30% Spain; 7% (€ Customer funds South America 16% SGP 1% Europe 71% Customer loans SCF; 15% South America 42% Europe 37% UK; 8% South America 14% Chile; 6% North America 21% Portugal; 5% Argentina; 3% Poland; 2% North America 13% Europe 73% North America 12% US; 10% Other South America; 3% Mexico; 11% Well-balanced profit distribution between Europe and the Americas. SCIB and WM&I contribution: 38% Santander Higher exposure in Europe, greater opportunity to grow in the Americas (1) As a % of operating areas, excluding Corporate Centre and Santander Global Platform (2) As a percentage of operating areas Note: customer loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds 11

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