Operational Levers to Enhance Profitability

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 • Global platforms Reporting • Global negotiation • Digitalisation Operations • Robotics • Process reengineering Expected new efficiencies from digital transformation & optimising IT&Ops outflow c. €550Mn Modelling and analytics Santander c. €150 Mn Control Support 22

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