Our Digital Consumer Bank Pitch

Poland Santander is the third largest bank in Poland, maintaining its position of the best traditional, private banking and investment bank in the country Branches MA Employees Strategic priorities Simplify the structure, based on the One Purpose - One Process approach of One Santander #1 in mobile banking EUROMONEY AWARDS FOR EXCELLENCE Pay blik 2020 2020 Highlights 502 10,582 Loyal customers (mn) 2.1 2 Digital customers (mn) be among the Top 3 in NPS 2.8 Customer loans (EUR bn) 29 Improve customer satisfaction to top EMPLOYER EUROPE 2020 CERT FIND DICELLENCE INHEMBLEWET CONDITIONS PREMIUM EMPLOYER BRAND ( HCE G Pay Customer funds (EUR bn) 39 Underlying attributable profit (EUR mn) 162 Increase profitability through effective net interest income management, higher fee income and cost control top EMPLOYER POLSKA POLAND 2020 CERTIFIED EXCELLENCE IN EMPLOYEE CONDITIONS D GARMIN PAY fitbitpay Underlying ROTE² 10% Contribution to Group's profit 2% Strengthen our employees' skills to support the transformation of Santander Polska NAJLEPSZY BANK % DLA FIRM Forbes przyjazny bank Newsweeka iBiznes24 WORK CAFÉ P SANTANDER Santander (1) Third largest bank in Poland in terms of assets as of Sep-20 (2) ROTE adjusted for excess capital. Otherwise 5% Note: Customer loans: Gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds 29

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