Our Digital Consumer Bank Pitch

3 Diversification Business diversification among customer segments (individuals, SMEs, corporates and large corporates) Customer loans by business, Dec-20 Customer funds by business, Dec-20 Other individuals, 9% Home mortgages, 36% SCIB, 13% Corporates, 12% Loans SMEs, 13% Consumer, 17% SCIB, 11% Individuals demand deposits, 39% Corporates, 14% (€ Customer funds SMES, 11% Consumer, 4% Individuals time deposits, 8% Individuals mutual funds, 13% Santander Note: customer loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds 12

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