QUARTERLY SHAREHOLDER REPORT

April - June 2018

“During the second quarter we have delivered strong growth in underlying revenue and improving credit quality, despite strong currency headwinds. Our results show that the commercial and digital transformation is accelerating and continues to deliver improvements in customer engagement and earnings quality. Our balanced presence across both Europe and the Americas remains a key strength for the Group – helping us deliver the most predictable results amongst our peers, as well as growing earnings.
I remain confident that we will achieve our goals, not just for 2018 but for our 3-year plan.”

ANA BOTÍN, GROUP EXECUTIVE CHAIRMAN OF BANCO SANTANDER

firma Ana Botín