Investor Presentaiton

01. Customer focus 157 million customers We have grown our customer base over the last seven years, with balanced growth by region and business Distribution by market, Jun-22 Digital Consumer Bank 12% South America 42% O Europe 30% North America 16% Santander (1) NPS internal benchmark of individual customers' satisfaction audited by Stiga / Deloitte H1'22. Our aim is to further enhance our customers' experience and satisfaction Customer satisfaction in NPS1 #1 Top 3 Top 4 7

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