Our Digital Consumer Bank Pitch

WMB Santander Wealth Management & Insurance WM&I Our aim: become the best and most responsible Wealth Manager in Europe and the Americas 2020 Highlights EUR 370 bn; 0% YoY Strategic priorities Santander Private Banking Santander Insurance • Capture our full potential GOLD STANDARD AWARDS 2018 WINNER RAC T РШТ WEALTH TECH AWARDS 2020 GERAME OF TECHNOLOGY LATIN AMERICA PLIM The Banker GLOBAL PRIVATE BANKING AWARDS 2019 PRIVATE BANK IN LATIN AMERICA Total assets under management¹ Santander Asset Management Total fees generated as % of the Group's total fees² 31% Complete global platform and product offering Become the best local partner Private Banking customers (k) >200 Private banking collaboration volume +34% YoY • Investments on digital tools and channels Underlying RoRWA • Build a competitive edge on our flagship and global products + develop institutional capabilities • Develop end-to-end digital journeys for our products • Smart use of data CITYWIRE WINNER BEST FUND MANAGER 2010 Equity-Spain MARIA DOLORES BOLANA LIPPER FUND AWARDS FROM REFINITIV XXIX PREMIOS FONDOS 2018 Expansión Underlying attributable profit (EUR mn) Contribution to Group's profit 7.5% · Develop a global Private Wealth proposition 868 • Develop digital platforms for funds • Broker insurance for SMEs and Auto 12% Retirement proposition PRIVATE BEST F BANK AWARD GERAKCE 2021 مه Total contribution to Group's profit³ (EUR mn) 2,145 Environmental, Social and Governance product range EUROMONEY PRIVATE BANKING * 2021 Santander (1) Total assets marketed and/or managed. Private Banking + SAM excluding AUM of Private Banking customers (2) Including fees generated by asset management and insurance transferred to the commercial network (3) Profit after tax + net fee income generated by this business For more information about Santander Private Banking see https://www.santanderprivatebanking.com/ and about Santander Asset Management see http://www.santanderassetmanagement.com 41

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