2023 Highlights Digital Consumer Bank Europe

In summary, a great set of results delivering on all our 2023 targets Revenue¹ >>> Efficiency ratio COR FL CET1 ROTE ^ ^ ^ ^ ^ Santander (1) YoY change in constant euros. 2023 targets Our 2023 achievement Double-digit growth +13% 44-45% 44.1% <1.2% 1.18% >12% 12.3% >15% 15.1% 19 64

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