SAN

Selected financial data Supplemental information. Section 3 919 A. [Reserved] B. Capitalization and indebtedness Not required for annual report on Form 20-F - C. Reasons for the offer and use of proceeds Not required for annual report on Form 20-F - D. Risk factors Supplemental information. Section 4 924

A. History and development of the company General Information 911 Acquisitions, dispositions, reorganizations Note 3. b) to our consolidated financial statements 667 Capital increases Note 31 to our consolidated financial statements 745 Recent events Note 1. g) to our consolidated financial statements 641 Supplemental information. Section 14 1017 B. Business overview Directors' report. Economic and financial review 409 Selected statistical information Supplemental information. Section 5 961 Note 6 to our consolidated financial statements 685 Note 10 to our consolidated financial statements 689 Note 20 to our consolidated financial statements 707 Note 21 to our consolidated financial statements 707 Competition in Spain Supplemental information. Section 9 979 Supervision and regulation Supplemental information. Section 10 981 Note 1.e) to our consolidated financial statements 639 C. Organizational structure Appendix I, II and III to our consolidated financial statements 869 Note 1.a) to our consolidated financial statements 636 D. Property, plants and equipment Note 16 to our consolidated financial statements 700 Directors' report. Economic and financial review. Section 5.4 (for number of branches in segments and units) 483