1. Sovereign Bancorp | 2004 Annual Report and Form 10-K • NYSE:SOV We are local community bankers with authority to make local decisions. 2004 Annual Report and Form 10-K…

Slide 1 Sovereign Bancorp, Inc. Analyst Presentation July 19, 2005 Slide 2 2 Agenda  Overview of Sovereign’s Strategies and Performance  Shareholder Value and Corporate…

Slide 1 Sovereign Bancorp, Inc. KBW 2005 Regional Bank Conference March 2, 2005 Slide 2 2 Forward Looking Statement  This presentation contains statements of Sovereign’s…

Sovereign Bancorp, Inc. RBC Capital Markets 2004 Financial Institutions Conference September 29, 2004 © 2003 Proprietary and Confidential Forward Looking Statement This…

Sovereign Bancorp, Inc. Merrill Lynch Financial Services Conference November 15, 2004 © 2003 Proprietary and Confidential Forward Looking Statement This presentation contains…

Sovereign Bancorp, Inc. Analyst Presentation July 19, 2005 Agenda Overview of Sovereign’s Strategies and Performance Shareholder Value and Corporate Governance Improving…

Sovereign Bancorp, Inc. UBS Global Financial Services Conference May 9, 2005 © 2003 Proprietary and Confidential Forward Looking Statement This presentation contains statements…

Sovereign Bancorp, Inc. Merrill Lynch Financial Services Conference November 15, 2004 © 2003 Proprietary and Confidential Forward Looking Statement This presentation contains…

Sovereign Bancorp, Inc. Investor Presentation July 23, 2008 Overview of Sovereign Investment Considerations Sovereign is one of the last large independent franchises in the…

Sovereign Bancorp, Inc. RBC 2008 Financial Institutions Conference September 17, 2008 Overview of Sovereign Investment Considerations Sovereign is one of the last large independent…