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

2. 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, Source: Bloomberg

3. 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

4. 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

5. 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