Our Digital Consumer Bank Pitch

PagoNxt is our global payments company providing services to SME/Merchant and Consumers, leveraging our scale and technology Payments is a sizeable and fast growth market... Merchant Acquiring +11% Expected annual growth in e-commerce International Trade +3% Annual growth international trade Santander (1) As of 2019 EUR 80 bn Merchant acquiring global revenue pool EUR 350 bn International trade revenue pool1 ... in which Santander already has significant scale PagoNxt >1.1 mn Active Merchant business customers >4 mn Group SME customers c.60 mn Active credit and Debit cards >200 k Group SME customers trading int. 18 PagoNxt

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