Our Digital Consumer Bank Pitch

0 • Santander, a leading financial group 2020 Highlights Total assets (EUR billion) 1,508 Customer loans (EUR billion excluding reverse repos) 904 Customer deposits + mutual funds (EUR billion excluding repos) 980 Branches 11,236 ☐☐☐ 2020 Net operating income (pre-provision profit) (EUR million) 23,633 2020 Underlying attributable profit (EUR million) 5,081 Market capitalization (EUR billion; 31-12-20) 44 People (headcount) 191,189 Customers (millions) 148 0 Shareholders (millions) 4.0 Communities in 2019-2020 (million people financially empowered) 4.9 Santander Note: 2020 attributable profit of -EUR 8,771 million The Santander Way remains unchanged, continuing to deliver for all our stakeholders An engaged and motivated team ... ... generates customer loyalty... 0 0 DA People Customers We create value for all our stakeholders 00 Communities so we can support our communities. Simple Personal Shareholders ... leading to strong financial results for our shareholders... Fair

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