International Business Area – Corporates Retail & Commercial Banking Division Santander Group

Santander, a leading financial group 2014 Total Assets (EUR trillion) 1.27 Shareholders (million) 3.24 Headcount 185,405 Branches 12,951 Best Bank in the World 2012 2008 2005 Customers(1) (million) 117 3T’14 Attributable Profit (EUR million) 5,816 Eurozone largest banks by market capitalisation(2) (EUR bn.) Santander C1 C2 C3 C4 C5 C6 C7 C8 C9 Global Bank of the year 2009 Customers data as of 31/03/2013 Data as of June 30, 2013. Source: Bloomberg

Santander Group: 4 solid pillars, 10 strengths Results 1. Profits 2. Dividends and shareholders Ranked 3rd worldwide in operating profit in 2012 Santander has distributed over 26 billion euros in shareholder remuneration in the last 5 years Geographical diversification 3. Balance between mature and emerging markets 10 major markets with critical market share Balance sheet 4. Capital & Liquidity 5. Subsidiary model A strong, solvent bank with a solid balance sheet capable of sustaining itself without public funds All subsidiaries are autonomous in terms of capital and liquidity Business model 6. Customer focus 7. Efficiency 8. Prudent risk management 9. Corporate reputation 10. Our team A predominantly retail bank, with 102 mln customers The 2nd most efficient bank in its peer group Below-average NPL rates in nearly all regions #1 retail banking brand in the World (Brand Finance) The best team in international banking

Geographical diversification Balance between mature and emerging markets, with significant shares in 10 major markets Mkt.Share1: 11% Branches: 594 Clients: 3,6 mill. Mkt.Share1: 14% Branches: 3,511 Clients: 12,6 mill. Spain2 Mkt.Share4: 11% Branches: 929 Clients: 25,7 mill. United Kingdom2 Mkt.Share3: 14% Branches: 254 Clients: 6,3 mill. Germany Mkt.Share5: 12% Branches: 3,411 Clients: 31,1 mill Branches: 1,347 Clients: 11,7 mill. México Brazil Branches: 812 Clients: 4,7 mill. USA Mkt.Share: 9% Branches: 788 Clients: 4,3 mill. Mkt.Share1: 9% Branches: 396 Clients: 2,5 mill. Argentina Mkt.Share1: 19% Branches: 475 Poland2 Chile Portugal2 Credits (4) Includes Santander Consumer Finance business (5) Includes all mortgage loans, UPLs, and SMEs Business total, including Kredyt Bank Consumer term loans

Team of dedicated specialists in each Santander Bank International Desk, a dedicated team in 14 countries Commercial banking service offering Complete North-East USA UK Selective Mexico Puerto Rico Poland Germany Colombia Brazil Peru Uruguay Spain Portugal Chile Argentina Team of dedicated specialists in each Santander Bank