Banco Santander Central Hispano Company Profile

Plaza de Canalejas 1		Tel: +34 1 558 10 31
E-28014 Madrid		Fax: +34 1 522 66 70
		investor@gruposantander.com
Spain		www.gruposantander.com
Europe

Date of Establishment	1857
Employees	178,869
Ticker Symbol	New York: STD
SIC Codes	6021 6029
Sector	Banking and Finance


Banco Santander Central Hispano Principal Activities and Company Overview
Banco Santander Central Hispano provides banking and financial services. In 2003, the Bank was the world's 11th largest bank in terms of market capitalization. The Company operates in the following business areas:- � European Retail Banking: includes the banking activities of the different networks and specialized units in Europe, mainly with individual clients and SMEs, as well as private and public institutions. Net attributable income generated in 2003 was �1,761 mn. The European Retail Banking area is split into five units:- Santander Central Hispano, Banesto, Totta (Portugal), Santander Consumer Finance, On-line banking. Patagon. � Retail Banking Latin America: universal banking activities in Latin America through its subsidiary banks and finance companies. Net attributable income generated in 2003 was �1,064 mn. Main units are Santander Banespa (Brazil), Santander Serfin (Mexico), Santander Chile (Chile), Banco Santander (Puerto Rico), Bank of Venezuela (Venezuela). � Asset Management and Private Banking: Net attributable income generated in 2003 was �320 mn. Activities include Mutual and pension funds and bancassurance in Spain and abroad through Santander Central Hispano Asset Management, Private Banking in Spain - Banif - and abroad - International Private Banking. � Global Wholesale Banking: corporate banking in Spain and Europe, the Madrid and New York treasuries and the investment banking business worldwide. Net attributable income generated in 2003 was �225.6 mn. In 2004, the Group acquired UK Bank, Abbey making the Group the 10th largest bank globally by market capitalisation.

Banco Santander Central Hispano Board of Directors
Emilio Bot�n-Sanz de Sautuola y Garc�a de los R�os, Chairman Jaime Bot�n-Sanz de Sautuola y Garc�a de los R�os, First Vice-Chairman Alfredo S�enz Abad, Second Vice-Chairman and CEO Mat�as Rodr�guez Inciarte, Third Vice-Chairman Manuel Soto Serrano, Fourth Vice-Chairman Juan Abell� Gallo, Director Jos� Manuel Arbur�a Aspiunza, Director Assicurazioni Generali S p A, Director Fernando de As�a �lvarez, Director Antonio Basagoiti Garc�a-Tu��n, Director Ana Patricia Bot�n-Sanz de Sautuola y O�Shea, Director Emilio Bot�n-Sanz de Sautuola y O�Shea, Director Guillermo de la Dehesa Romero, Director Rodrigo Echenique Gordillo, Director Antonio Esc�mez Torres, Director Francisco Luz�n L�pez, Director El�as Masaveu y Alonso del Campo, Director Sir George Mathewson, Director Abel Matutes Juan, Director Luis Alberto Salazar-Simpson Bos, Director Antonio de Sommer Champalimaud, Director Ignacio Benjumea Cabeza de Vaca, Director Juan Guitard Mar�n, Director

Banco Santander Central Hispano Leadership, Senior Decision Makers and Key Executives
Alfredo S�enz Abad, Second Vice-Chairman and CEO Francisco G�mez Roldan, Chief Financial Officer

Full Banco Santander Central Hispano company profile includes*:-
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