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Investor Presentaiton

Q1'21 Highlights Poland "One of the largest and most innovative financial institutions in Poland, maintaining its position of the best traditional, private and investment bank in the country" Branches 490 MA Employees 10,306 Loyal customers (mn) 2.1 Digital Customers (mn) 2.8 ■ Strategic priorities ■■ Simplify the structure, based on the One Purpose - One Process approach of One Santander Improve customer satisfaction to be among the Top 3 in NPS Customer loans (EUR bn) 29 Customer funds (EUR bn) 41 Increase profitability through effective net interest income management, higher fee income and cost control Underlying attributable profit (EUR mn) 21 Underlying ROTE¹ 5% Strengthen our employees' skills to support the transformation of Santander Polska (1) ROTE adjusted for excess capital. Otherwise 3% Santander Note: Customer loans: Gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds More information on https://www.santander.com/en/about-us/where-we-are/santander-polska 21
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