Operational Levers to Enhance Profitability

Europe SCF: the company of choice for auto-makers in Europe Business priorities Extracting value from our position as a specialised monoliner • Maintain our number #1 position in auto market share Market share gains in the consumer business • Strengthen digital channels: e-commerce, fintech... • Strengthen relationship with OEMs and the scope of agreements • Maintain solid profitability and sustained growth • Further operational integration Goals 2018 Medium term goal ROTE1 16% 14-15% Positive revenue growth Cost savings coming from restructuring processes Cost of credit normalisation Santander (1) Underlying Note: in constant € 27 SCF

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