Santander Group Strategy Update

LatAm A region with structural growth and high and increasing profitability 2018 Medium-term goals ROTE, % Market share 1,2 12% Gain Loyal/active customers 1 Digital customers 1 # of countries top 3 in CSAT 1,3 28% 31% 2018 19% 18 Mn c.26Mn+c.45% ROTE Note: underlying RoTE 4 Santander (2) (1) Includes Brazil, Mexico, Chile, Argentina and Uruguay. Loans market share. All Medium-term goal 20-22% ROTE M RWA C/I 38% > 33-35% 2018 Medium-term goal 26 26 Latest available. CSAT: Customer Satisfaction internal benchmark of active customers' experience and satisfaction audited by Stiga / Deloitte. In the medium term we will be also follow ing NPS as indicator.

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