H1'23 Highlights

Risk management & compliance 'Our risk management & compliance function is key to remain a strong, secure and sustainable bank that helps people and businesses prosper' A risk management & compliance model that relies on: Common Risk Principles aligned with regulatory requirements and inspired by best market practices A 3 lines of defence model with a robust risk committees structure ទម Advanced risk and compliance management tools Risk Profile Assessment Systematic exercise to assess the risk profile, including all risk types defined in the Corporate framework, through a single methodology Risk Appetite Statement & Structure of Limits Aggregate level and types of risk we deem prudent for our business strategy, even in unforeseen circumstances Scenario Analysis Anticipating potential impacts to take preventive action Risk Reporting Structure Comprehensive, versatile with deep analysis to facilitate decision-making 000 A proactive risk & compliance management, customer-centric, with the goal of maintaining our medium-low risk profile A continuous enhancement of our capabilities for embedding ESG factors in our risk management processes ✓✓Clearly defined management and control processes Models & data unit Oversee Plan We use data and advanced analytics to develop our business strategy, be more efficient, enhance quality, and tackle our customers' and employees' challenges Risk & compliance annual plans to better oversight and follow up on the implementation of long-term strategies risk pro A risk culture based on the principle that all employees are risk managers Santander More information on the Group's Overview of our Corporate Governance presentation. See link to this document on slide 55. 39

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