Investor Presentaiton

3 Diversification Geographic diversification with a good balance between mature and developing markets Contribution to Q1'21 underlying attributable profit¹ Mar-21 Group's contribution² by primary segments Digital Consumer Bank, 11% Europe, 31% (€ Customer loans Digital Consumer Bank, 13% Europe, 60% Customer funds Digital Consumer Bank, 5% South America, 15% North America, 13% Europe, 67% South America, 29% North America, 29% South America, 14% North America, 13% Well-balanced profit distribution Santander (1) As a % of operating areas, excluding Corporate Centre (2) As a percentage of operating areas Higher exposure in Europe, greater opportunity to grow in the Americas Note: customer loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds 11

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