Our Digital Consumer Bank Pitch

2 Customer focus Unique personal banking relationships with over 100,000 people talking to our customers every day in our branches and other customer support services 32% 22.8 mn (+6%) Loyal/active Loyal customers customers Available anytime, anywhere, anyhow Customer support services Collaborative spaces and increased digital capabilities 20.9 mn (+6%) Individuals 1.9 mn (+8%) Companies Santander Note: data as of Dec-20 and year-on-year changes (1) Excluding Chinese banks and Sberbank of Russia Branches: >11,000 The largest branch network in the international banking world1 i ↓ T www WORK CAFÉ CAFE/ SANTANDER Santander Smart and Ágil branches guridad y 9

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