Banco Santander, S.a. · BME:SAN
Banco Santander — ESG Presentation (April 2026)
39 slides from Banco Santander's sustainability presentation, April 2026
Slide 1: Sustainability 2026
SUSTAINABILITY 2026 Helping people and businesses prosper April 2026, data as of Dec. 2025
Slide 2: Message from Ana Botín, Executive Chair
Ana Botín Banco Santander Executive Chair For Santander, how we deliver on our results is as important as achieving them. We leverage our business to help our customers’ transition to a low carbon economy; to promote financial inclusion and health; and to support education, employability, and entrep
Slide 3: Sustainability at Santander
SUSTAINABILITY AT SANTANDER 3
Slide 4: Index
Index 01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Governance 05. Annexes
Slide 5: Our Sustainability Strategy
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 01 OUR We aim to be the best open financial services platform by acting responsibly and earning, the customers, lasting loyalty sharehold and communities. It
Slide 6: Our Sustainability Objectives
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 01 OUR SUSTAINABILITY OBJECTIVES 2025 Target Green finance raised and facilitated €120bn by 2025 €174 bn (accumulated since 2019) €220bn by 2030 AUM in Social
Slide 7: How We Execute Our Sustainability Strategy: Customers and Communities
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 01 HOW WE EXECUTE OUR SUSTAINABILITY STRATEGY WE OFFER OUR CUSTOMERS A RANGE OF PRODUCTS WE CONTRIBUTE TO THE ECONOMIC, FINANCIAL We help people and businesse
Slide 8: How We Execute Our Sustainability Strategy: Employees and Governance
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 01 HOW WE EXECUTE OUR SUSTAINABILITY STRATEGY HELP OUR EMPLOYEES DEVELOP BY WE ACT RESPONSIBLY THROUGH A STRONG CULTURE, We help people and businesses prosper
Slide 9: Our Value Creation Approach
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 01 OUR VALUE CREATION APPROACH Opportunities Resilience Impact Supportingcustomers our 21stcentury Manage the Address global challenges financial inclusion an
Slide 10: Supporting Employees, Customers and Communities
SUPPORTING EMPLOYEES, CUSTOM AND COMMUNITIES10
Slide 11: Sustainability as a Source of Value Creation
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 02 SUSTAINABILITY AS CUSTOMERS A SOURCE OF VALUE • Financial inclusion and financial health CREATION • Our Customers’ Transition For our customers, • Socially
Slide 12: Employees
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes EMPLOYEES 12
Slide 13: We Attract and Retain the Best Talent
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 02 WE ATTRACT AND Talent, working conditions, inclusive culture and employe RETAIN THE BEST YourVoice is our regular listening strategy to gather employees’ W
Slide 14: Customers
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes CUSTOMERS 14
Slide 15: Financial Inclusion and Financial Health
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 02 FINANCIAL Financial Inclusion Best bank in the World for financial inclusion, for three consecutive years INCLUSION AND Underbanked & remote regions 6.3mnp
Slide 16: Our Customers' Transition. Solutions for Individual, SME and Corporate Customers
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 02 OUR CUSTOMERS’ What wefinance Value proposition TRANSITION. Purchase, construction and renovation of energy-efficient Developer loans, CRE, Green mortgages
Slide 17: Socially Responsible Investment
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 02 SOCIALLY RESPONSIBLE OUR AMBITION OUR SRI PRODUCTS & SERVICES 1). To address our customers' INVESTMENT (SRI investment needs, covering SAM SRI products ava
Slide 18: Communities
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes COMMUNITIES 18
Slide 19: Education, Employability & Entrepreneurship, and Other Support Programmes
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 02 EDUCATION, Over 163.7 million euros in community support helping in 2025, 9.9 million people and organizatio EMPLOYABILITY & Education, employability & ent
Slide 20: Our Climate Strategy
OUR CLIMATE STRATEGY 20
Slide 21: Our Climate Strategy
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 03 OUR CLIMATE SUPPORTING OUR CUSTOMERS IN THEIR TRANSITION GOALS STRATEGY €174bn in green finance €129.9bn in AUM in EUR 3bn green bonds € 7.3 billion electr
Slide 22: Our Customers' Transition. Green Finance
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 03 OUR CUSTOMERS’ Supporting our customers into Green Finance raised and facilitated, public target (€bn) TRANSITION. their transition goals GREEN FINANCEScal
Slide 23: Financing Renewable Energy
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 03 OUR CUSTOMERS’ Grupo Santander has been a leader in re energy finance for more than 10 y TRANSITION. In 2025, we were among the top banks in FINANCING numb
Slide 24: Embedding ESG in Risk Management
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 03 EMBEDDING The ESG following table shows the consolidated results of the materiality assessment by risk -end type 20 25and t IN RISK Consolidated materialit
Slide 25: Alignment Goals
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 03 ALIGNMENT GOALS Alignment targets Monitoring of other portfolios Baseline Scope of Scope of Sector Scenario Metric 2022 2023 2024 2030 targets Sector Metri
Slide 26: Governance
GOVERNANCE 26
Slide 27: Corporate Culture
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 04 CORPORATE Our behaviours CULTURE Our principles Deliver Develop Transform • Think ValueA • Build high- • Lead change • Think CustomerB performing teams • T
Slide 28: Governance: Board Composition
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 04 GOVERNANCE: BOARD COMPOSITION Our board composition 15 Directors appointed 5 Nationalities: Europe ensures the appropriate balance of knowledge, skills, qu
Slide 29: Governance: Solid Structure to Embed Sustainability Across Group
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 04 GOVERNANCE: Santander Group board ofdirectors Sets the sustainability strategy and prepares annual accounts and management report, SOLID which shall includ
Slide 30: Governance: Core Strengths in Our Corporate Governance and Priorities for 2026
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes As a responsible bank we have a clear, robust governance. Best practices on governance are channelled to all our 04 GOVERNANCE: subsidiaries, as part of our g
Slide 31: Governance: Sustainability in Reward
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 04 GOVERNANCE: SUSTAINABILITY IN REWARD Long -Term Incentives Sustainability actionlinesincluded (20%weight ) 2024 -2026 2025 -2027 2026 -2028 RoTE • Women in
Slide 32: Internal Regulation Related to Sustainability
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 04 INTERNAL Key sustainabilitypolicies that support Other publicpolicies that supportour sustainability strategy progress on the sustainabilityagenda REGULATI
Slide 33: External Recognition: Santander in ESG Ratings
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 04 EXTERNAL RECOGNITION: SANTANDER IN RATING AGENCY 2024 2025 Evolution ESG RATINGS MSCI index AA MSCI index AA We engage with ESG ratings to signal our progr
Slide 34: Annexes
ANNEXES 34
Slide 35: Our Standards: Sustainable Finance & Investment Classification System
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 05 OUR STANDARDS Sustainable finance & investment classification system (SFICS) The SFICS outlines INTERNATIONALLY RECOGNIZED PRINCIPLES ELIGIBLE IN 2025 WE U
Slide 36: Our Standards: Green, Social and Sustainability Funding Framework
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 05 OUR STANDARDS LABEL ISSUANCE ISSUER PRODUCT NOMINAL MATURITY Green, social and DATE sustainability funding Green October 2019 Banco Santander S.A. Senior P
Slide 37: Useful Links
01. Sustainability at Santander 02. Supporting employees, customers and communities 03. Our climate strategy 04. Business conduct 05. Annexes 05 USEFUL LINKS Sustainability website Quarterly results Annual Report 2025 Sustainability statement 2025 Digital Annual Review 2025 Sustainability data pack
Slide 38: Disclaimer
DISCLAIMER Non-IFRS and alternative performance measures This presentation contains financial information prepared according to International Financial Reporting Standards (IFRS) and taken from our consolidated financial statements, as well as alternative performance measures (APMs) as defined in th
Slide 39: Thank you
Thank you