Business Priorities and Profitability Strategy in Latin America

Europe €700Mn expected new efficiencies coming from our new cost paradigm in Europe: digital transformation & a cross-border approach IT & Operations Shared services IT Expected efficiency gains derived from further integration in Europe • Public cloud • Agile • Core system evolution • Reporting • Global platforms Global negotiation Digitalisation • Operations • Robotics • Process reengineering Expected new efficiencies from digital transformation & optimising IT&Ops outflow c.€550Mn Modelling and analytics Santander c.€150Mn Control Support 22

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