Company Profile For Banco Santander, S.A.

Banco Santander, S.A. (Santander or the Bank) is a bank holding company. Santander operates principally in Spain, the United Kingdom, Portugal, other European countries, Latin America and the United States, offering a range of financial products. Santander is organized in three principal segments: Continental Europe, United Kingdom and Latin America. Continental Europe covers all retail banking business, wholesale banking and asset management and insurance conducted in Europe, with the exception of the United Kingdom. It also includes the units, such as the Santander Branch Network, Banco Espanol de Credito, S.A., Santander Consumer Finance and Portugal. United Kingdom includes retail and wholesale banking, asset management and insurance conducted by the various units and branches of the Bank in the United Kingdom. Latin America segment includes activities conducted via its subsidiary banks and other subsidiaries in Latin America.

BRIEF: For the nine months ended 30 September 2009, Banco Santander, S.A.'s net interest income increased 23% to EUR19.81B. Net interest income after loan loss provision increased 11% to EUR12.61B. Net income from continuing operations decreased 1% to EUR6.69B. Net interest income reflects an increase in loans issued in the Continental Europe. Net income from continuing operations was offset by higher personnel and general expenses.