Our Digital Consumer Bank Pitch

... with countries currently in different phases of the crisis 2020 Net operating income EUR mn and % change vs. 2019 in constant EUR 2020 Underlying attributable profit EUR mn and % change vs. 2019 in constant EUR 2,703 +3% 1,085 -16% 3,175 -9% 517 -67% Europe 706 -6% Europe 338 -36% 1,697 -9% 530 -50% 895 -10% 162 -52% North 2,098 +2% North 762 -9% America America 4,281 +1% 731 +4% 7,325 +3% 2,113 -5% South America South 1,363 496 +4% 432 -21% America +37% 179 +91% Global businesses SCIB WM&I Santander 3,328 +30% 1,229 Global businesses SCIB 1,823 +23% +6% WM&I 868 +2% 62

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