Investor Presentaiton

Q1'21 Highlights Digital Consumer Bank "Europe's consumer finance leader: solid business model, geographic diversification and leading market shares in auto/mobility finance and in personal finance/e-commerce" D Branches 321 MA Employees 15,830 Active customers (mn) 19.3 Points of sale (k) >130 Customer loans (EUR bn) 116 Customer funds (EUR bn) Underlying attributable profit (EUR mn) 291 Underlying ROTE 54 Strategic priorities ■■ Auto: strengthen our auto financing leadership position, reinforce the leasing business and develop subscription services across our footprint. We will also develop digital online channels for the future and serve customers Consumer Non-Auto: gain market share in consumer financing solutions leveraging our position in offline to grow in ecommerce, checkout lending and BuyNowPayLater Retail: improve digital capabilities to increase customer loyalty among our customer base, boosting digital banking activity 12% Cost reduction and simplification: accelerate digitalization to transform the business and improve efficiency. Main drivers: organizational simplification, streamlining IT and redefinition of our distribution model and increased process automatization Santander Note: Customer loans: Gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds More information on https://www.santander.com/en/about-us/where-we-are/digital-consumer-bank 30 30

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