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Economy & Finance Neste Oil Investor Presentation 29 April 2009

1. UPDATED: 29 April 2009 1 2. Contents5 Overview 11 Strategy 21 Production and logistics 41 Businesses100 Financials119 Share & Funding127 Global Oil Industry157 Social…

Economy & Finance SANTANDER TOTTA-SANTANDER INVESTOR DAY 2011

1. Nuno Amado Portugal 2. DisclaimerBanco Santander Totta, S.A. (“Santander Totta”) and Banco Santander, S.A. ("Santander") both caution that this presentationcontains…

Economy & Finance BANCA PRIVADA, GESTIÓN DE ACTIVOS Y SEGUROS-SANTANDER INVESTOR DAY

1. Javier MarínPrivate Banking, Asset Management and Insurance 2. DisclaimerBanco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking…

Economy & Finance POLÍTICA DE RIESGOS-SANTANDER INVESTOR DAY 2011

1. Matías R. InciarteRisk Division 1 2. DisclaimerBanco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements. These…

Economy & Finance GLOBAL BANKING AND MARKETS-SANTANDER INVESTOR DAY 2011

1. Adolfo Lagos Espinosa Global Banking & Markets 2. DisclaimerBanco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking…

Economy & Finance SANTANDER NETWORK-SANTANDER INVESTOR DAY 2011

1. Enrique García CandelasRetail Banking Spain 2. DisclaimerBanco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements.…

Economy & Finance SANTANDER INVESTOR DAY EN ESPAÑOL

1. Alfredo SáenzConsejero Delegado - Grupo Santander 2. Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking…

Economy & Finance CHIEF FINANCIAL OFFICER-SANTANDER INVESTOR DAY 2011

1. José Antonio ÁlvarezCFO Santander Group 2. DisclaimerBanco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking…

Economy & Finance SANTANDER BRASIL-SANTANDER INVESTOR DAY 2011

1. Marcial PortelaBrazil 2. DisclaimerBanco Santander (Brasil) S.A. (“Santander Brazil”) and Banco Santander, S.A. ("Santander") both caution…

Economy & Finance SOSTENIBILIDAD-SANTANDER INVESTOR DAY 2011

1. Juan Manuel CendoyaSustainability 2. DisclaimerBanco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements. These…