Our Digital Consumer Bank Pitch

Leveraging One Santander to accelerate the execution of our strategy • Three geographic regions (with 10 core markets) to improve operating performance • Global businesses to enhance our local scale with global reach and collaboration • The Corporate Centre and other Group functions servicing the whole Group Group organizational and management structure¹ Operating areas North America South America Europe² 10 core markets Other Europe Global businesses Santander Corporate & Investment Banking Santander Wealth Management & Insurance Group functions and Corporate Centre activities Audit Compliance Risk Universities Communication, Corporate Marketing and Research Costs General Secretariat Human Resources Technology & Operations Financial Accounting Finance & Control Santander (1) December-20. Pending restatement in 2021 to incorporate PagoNxt and Digital Consumer Bank (DCB) (2) Includes One Europe (Spain, United Kingdom, Portugal and Poland), SCF and Other Europe (mainly SCIB) Strategy, Corporate Dev.& Financial Planning Exec. Chairman's Office & Responsible Banking 23

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