2023 Highlights Digital Consumer Bank Europe

03. Diversification Business diversification Corporates, 15% SMES, 9% Customer loans Customer funds CIB, 13% Home mortgages, 33% Mutual funds, 18% Individuals, 48% CIB, 13% Consumer, 24% Other individuals, 6% SMEs, Corp & other, 21% Santander Note: data as of Dec-23. Customer loans excluding reverse repos. Customer funds: customer deposits excluding repos + mutual funds. Corporates includes corporates and institutions. 11

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