Our Digital Consumer Bank Pitch

One Santander: creating a better bank for our customers with a new operating model ... Improving our customer service... . strengthening our relationship with customers... Simplify mass market value proposition Medium term goal: Top 3 NPS in 9 countries Santander New distribution model by creating a common operating model Shared processes and best-in-class technology Medium term goal: Digital sales/total >50% Medium term goal: Efficiency ratio c.40% 16 One Santander

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