Our Digital Consumer Bank Pitch

Strong balance sheet growth... Dec-20 Loans and advances to customers EUR bn and % change in constant EUR Dec-20 Customer funds EUR bn and % change in constant EUR YOY YOY 201 +5% 321 +4% 242 +3% 223 +8% Europe 104 0% Europe SCF 39 +1% 39 +8% 43 +2% 29 +1% 39 +10% North 90 90 +3% 77 +16% North America 30 0% America 11 41 +14% 67 +19% 100 +16% South 41 +6% America South America 38 88 +11% 4 +35% 9 +67% Group 904 +5% Total Global Group Total businesses SCIB WM&I Santander 113 17 +9% +9% Note: Loans and advances to customers excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds Europe includes Rest of Europe (mainly SCIB) with loans: EUR 44 bn (+17% YoY), customer funds: EUR 31 bn (+32%) Global businesses SCIB 103 155 980 +9% +27% +6% WM&I 61

View entire presentation