Santander Business Strategy and Financial Inclusion

Deleveraging Santander 114.2% 126.5% 117.8% Loans to Deposit Ratio 116.1% 116.2% 112.9% 111.3% 112.3% Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Mar-21 Jun-21 Sep-21 21 21

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