2023 Highlights Digital Consumer Bank Europe
Important information
While these forward-looking statements represent our judgement and future expectations
concerning our business developments and results may differ materially from those anticipated,
expected, projected or assumed in forward-looking statements.
In particular, forward looking statements are based on current expectations and future estimates
about Santander's and third-parties' operations and businesses and address matters that are
uncertain to varying degrees and may change, including, but not limited to (a) expectations,
targets, objectives, strategies and goals relating to environmental, social, safety and governance
performance, including expectations regarding future execution of Santander's and third-parties'
(including governments and other public actors) energy and climate strategies, and the underlying
assumptions and estimated impacts on Santander's and third-parties' businesses related thereto;
(b) Santander's and third-parties' approach, plans and expectations in relation to carbon use and
targeted reductions of emissions, which may be affected by conflicting interests such as energy
security; (c) changes in operations or investments under existing or future environmental laws and
regulations; (d) changes in rules and regulations, regulatory requirements and internal policies,
including those related to climate-related initiatives; (e) our own decisions and actions including
those affecting or changing our practices, operations, priorities, strategies, policies or procedures;
and (f) the uncertainty over the scope of actions that may be required by us, governments and
others to achieve goals relating to climate, environmental and social matters, as well as the
evolving nature of underlying science and industry and governmental standards and regulations.
In addition, the important factors described in this presentation and other risk factors,
uncertainties or contingencies detailed in our most recent Form 20-F and subsequent 6-Ks filed
with, or furnished to, the SEC, as well as other unknown or unpredictable factors, could affect our
future development and results and could lead to outcomes materially different from what our
forward-looking statements anticipate, expect, project or assume.
Forward-looking statements are therefore aspirational, should be regarded as indicative,
preliminary and for illustrative purposes only, speak only as of the date of this presentation, are
informed by the knowledge, information and views available on such date and are subject to
change without notice. Santander is not required to update or revise any forward-looking
statements, regardless of new information, future events or otherwise, except as required by
applicable law. Santander does not accept any liability in connection with forward-looking
statements except where such liability cannot be limited under overriding provisions of applicable
law.
Not a securities offer
This presentation and the information it contains does not constitute an offer to sell nor the
solicitation of an offer to buy any securities.
Past performance does not indicate future outcomes
Statements about historical performance or growth rates must not be construed as suggesting
that future performance, share price or results (including earnings per share) will necessarily be
the same or higher than in a previous period. Nothing in this presentation should be taken as a
profit and loss forecast.
Third Party Information
In this presentation, Santander relies on and refers to certain information and statistics obtained
from publicly-available information and third-party sources, which it believes to be reliable.
Neither Santander nor its directors, officers and employees have independently verified the
accuracy or completeness of any such publicly-available and third-party information, make any
representation or warranty as to the quality, fitness for a particular purpose, non-infringement,
accuracy or completeness of such information or undertake any obligation to update such
information after the date of this presentation. In no event shall Santander be liable for any use by
any party of, for any decision made or action taken by any party in reliance upon, or for
inaccuracies or errors in, or omission from, such publicly-available and third-party information
contained herein. Any sources of publicly-available information and third-party information
referred or contained herein retain all rights with respect to such information and use of such
information herein shall not be deemed to grant a license to any third party.
Santander
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