2023 Highlights Digital Consumer Bank Europe

03. Diversification Rock-solid balance sheet with conservative risk management Santander Simple, transparent and easy to analyze balance sheet Medium-low risk profile Strong liquidity ratios well above requirements Strong solvency ratios Focus on capital efficiency and asset rotation Stable and diversified deposit structure High-quality retail customer deposits Highly collateralized and diversified loan portfolio Low-risk loan portfolio Supporting value creation and sustainable remuneration to our shareholders 12

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