Annual Integrated Report

14 Annual Integrated Report Table of Contents Introduction Value Creation | Economic Performance | Environmental Social Governance Appendices Santander Ecosystem [2-6] Over the past two years, we have invested in 12 acquisitions and partnerships that complement our core banking activities. These endeavors enable us to provide our clients with a full suite of financial solutions without requiring them to leave the Santander ecosystem. Moreover, they bolster our business model's resilience and diversification against a variety of economic and market scenarios SHI Holding apê11 PSA QUE MOBILIZE FINANCIAL SERVICES Hwebmotors Hyundai Capital S4F Biomas O AQUANIMA Grupo Santander Real Estate Auto ESG PagoNxt o Shopping Payments Wy superdigital Ebury getnet ben Esfera_ SXNEGÓCIOS Global Tech SX Tools FIRST Benefits /Loyalty Education uni>ersia & Operations Technology Securitization Credit Insurance Investments/Custody Financial Solutions for Businesses PROSPERA GGIRA Santander emdia Financiamentos R Return sim SXINTEGRA Santander Seguros helpS Santander Auto Z ZURICH ■ Auto Compara TORO $3 caceis INVESTOR SERVICES Santander Asset Management Santander 15

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