<?xml version="1.0" encoding="utf-8"?>
<linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.xbrl.org/2003/linkbase">
  <roleRef roleURI="http://sparebank1smn.com/xbrl/2023/roles/NotesAndMandatoryItems" xlink:href="SB1SMN-2023-12-31.xsd#NotesAndMandatoryItems" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://sparebank1smn.com/xbrl/2023/roles/Table1ProfitOrLossPlaceholderThisItemMUSTBeUsedAsAStartingPointForTheStatementOfProfitOrLossIfTheStatementOfProfitOrLossIsDisclosedSeparately" xlink:href="SB1SMN-2023-12-31.xsd#Table1ProfitOrLossPlaceholderThisItemMUSTBeUsedAsAStartingPointForTheStatementOfProfitOrLossIfTheStatementOfProfitOrLossIsDisclosedSeparately" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://sparebank1smn.com/xbrl/2023/roles/Table1StatementOfComprehensiveIncomeAbstract" xlink:href="SB1SMN-2023-12-31.xsd#Table1StatementOfComprehensiveIncomeAbstract" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://sparebank1smn.com/xbrl/2023/roles/Table1StatementOfFinancialPositionAbstract" xlink:href="SB1SMN-2023-12-31.xsd#Table1StatementOfFinancialPositionAbstract" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://sparebank1smn.com/xbrl/2023/roles/Table1StatementOfChangesInEquityAbstract" xlink:href="SB1SMN-2023-12-31.xsd#Table1StatementOfChangesInEquityAbstract" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <roleRef roleURI="http://sparebank1smn.com/xbrl/2023/roles/Table1StatementOfCashFlowsAbstract" xlink:href="SB1SMN-2023-12-31.xsd#Table1StatementOfCashFlowsAbstract" xlink:type="simple" xmlns:xlink="http://www.w3.org/1999/xlink" />
  <presentationLink xlink:role="http://sparebank1smn.com/xbrl/2023/roles/NotesAndMandatoryItems" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="https://www.esma.europa.eu/taxonomy/2022-03-24/esef_cor.xsd#esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:label="esef_cor_NotesAccountingPoliciesAndMandatoryTags" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NameOfUltimateParentOfGroup" xlink:label="ifrs-full_NameOfUltimateParentOfGroup" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CountryOfIncorporation" xlink:label="ifrs-full_CountryOfIncorporation" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LegalFormOfEntity" xlink:label="ifrs-full_LegalFormOfEntity" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DomicileOfEntity" xlink:label="ifrs-full_DomicileOfEntity" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NameOfReportingEntityOrOtherMeansOfIdentification" xlink:label="ifrs-full_NameOfReportingEntityOrOtherMeansOfIdentification" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NameOfParentEntity" xlink:label="ifrs-full_NameOfParentEntity" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities" xlink:label="ifrs-full_DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfNotesAndOtherExplanatoryInformationExplanatory" xlink:label="ifrs-full_DisclosureOfNotesAndOtherExplanatoryInformationExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AddressOfRegisteredOfficeOfEntity" xlink:label="ifrs-full_AddressOfRegisteredOfficeOfEntity" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PrincipalPlaceOfBusiness" xlink:label="ifrs-full_PrincipalPlaceOfBusiness" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory" xlink:label="ifrs-full_DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory" xlink:label="ifrs-full_DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfBasisOfConsolidationExplanatory" xlink:label="ifrs-full_DisclosureOfBasisOfConsolidationExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfChangesInAccountingPoliciesExplanatory" xlink:label="ifrs-full_DisclosureOfChangesInAccountingPoliciesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory" xlink:label="ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForSegmentReportingExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForSegmentReportingExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory" xlink:label="ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfFinancialRiskManagementExplanatory" xlink:label="ifrs-full_DisclosureOfFinancialRiskManagementExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfLoansAndAdvancesToBanksExplanatory" xlink:label="ifrs-full_DisclosureOfLoansAndAdvancesToBanksExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory" xlink:label="ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory" xlink:label="ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfAllowanceForCreditLossesExplanatory" xlink:label="ifrs-full_DisclosureOfAllowanceForCreditLossesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfInternalCreditExposuresExplanatory" xlink:label="ifrs-full_DisclosureOfInternalCreditExposuresExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfCreditRiskExposureExplanatory" xlink:label="ifrs-full_DisclosureOfCreditRiskExposureExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfMarketRiskExplanatory" xlink:label="ifrs-full_DisclosureOfMarketRiskExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfLiquidityRiskExplanatory" xlink:label="ifrs-full_DisclosureOfLiquidityRiskExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfInterestIncomeExpenseExplanatory" xlink:label="ifrs-full_DisclosureOfInterestIncomeExpenseExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfInterestExpenseExplanatory" xlink:label="ifrs-full_DisclosureOfInterestExpenseExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfInterestIncomeExplanatory" xlink:label="ifrs-full_DisclosureOfInterestIncomeExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory" xlink:label="ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" xlink:label="ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfFinancialInstrumentsExplanatory" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfEmployeeBenefitsExplanatory" xlink:label="ifrs-full_DisclosureOfEmployeeBenefitsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xlink:label="ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfExpensesByNatureExplanatory" xlink:label="ifrs-full_DisclosureOfExpensesByNatureExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfOtherOperatingExpenseExplanatory" xlink:label="ifrs-full_DisclosureOfOtherOperatingExpenseExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfAuditorsRemunerationExplanatory" xlink:label="ifrs-full_DisclosureOfAuditorsRemunerationExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfDefinedContributionPlansExplanatory" xlink:label="ifrs-full_DisclosureOfDefinedContributionPlansExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfDeferredTaxesExplanatory" xlink:label="ifrs-full_DisclosureOfDeferredTaxesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfIncomeTaxExplanatory" xlink:label="ifrs-full_DisclosureOfIncomeTaxExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfFinancialInstrumentsHeldForTradingExplanatory" xlink:label="ifrs-full_DisclosureOfFinancialInstrumentsHeldForTradingExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfFairValueMeasurementExplanatory" xlink:label="ifrs-full_DisclosureOfFairValueMeasurementExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfDebtSecuritiesExplanatory" xlink:label="ifrs-full_DisclosureOfDebtSecuritiesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory" xlink:label="ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForHedgingExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForHedgingExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfDetailedInformationAboutHedgesExplanatory" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfHedgeAccountingExplanatory" xlink:label="ifrs-full_DisclosureOfHedgeAccountingExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsExplanatory" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory" xlink:label="ifrs-full_DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory" xlink:label="ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfIntangibleAssetsAndGoodwillExplanatory" xlink:label="ifrs-full_DisclosureOfIntangibleAssetsAndGoodwillExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfPropertyPlantAndEquipmentExplanatory" xlink:label="ifrs-full_DisclosureOfPropertyPlantAndEquipmentExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfLeasesExplanatory" xlink:label="ifrs-full_DisclosureOfLeasesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfOtherAssetsExplanatory" xlink:label="ifrs-full_DisclosureOfOtherAssetsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfDepositsFromCustomersExplanatory" xlink:label="ifrs-full_DisclosureOfDepositsFromCustomersExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForBorrowingsExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForBorrowingsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsExplanatory" xlink:label="ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfBorrowingsExplanatory" xlink:label="ifrs-full_DisclosureOfBorrowingsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfOtherLiabilitiesExplanatory" xlink:label="ifrs-full_DisclosureOfOtherLiabilitiesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfCollateralExplanatory" xlink:label="ifrs-full_DisclosureOfCollateralExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory" xlink:label="ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory" xlink:label="ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory" xlink:label="ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory" xlink:label="ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfBusinessCombinationsExplanatory" xlink:label="ifrs-full_DisclosureOfBusinessCombinationsExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfRelatedPartyExplanatory" xlink:label="ifrs-full_DisclosureOfRelatedPartyExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfEarningsPerShareExplanatory" xlink:label="ifrs-full_DisclosureOfEarningsPerShareExplanatory" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DisclosureOfEventsAfterReportingPeriodExplanatory" xlink:label="ifrs-full_DisclosureOfEventsAfterReportingPeriodExplanatory" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_NameOfUltimateParentOfGroup" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_CountryOfIncorporation" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_LegalFormOfEntity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DomicileOfEntity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_NameOfReportingEntityOrOtherMeansOfIdentification" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_NameOfParentEntity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfNotesAndOtherExplanatoryInformationExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_AddressOfRegisteredOfficeOfEntity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_PrincipalPlaceOfBusiness" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfBasisOfConsolidationExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfChangesInAccountingPoliciesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForSegmentReportingExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfFinancialRiskManagementExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfLoansAndAdvancesToBanksExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfAllowanceForCreditLossesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfInternalCreditExposuresExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfCreditRiskExposureExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfMarketRiskExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfLiquidityRiskExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfInterestIncomeExpenseExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfInterestExpenseExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfInterestIncomeExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfFinancialInstrumentsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfEmployeeBenefitsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfExpensesByNatureExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfOtherOperatingExpenseExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfAuditorsRemunerationExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfDefinedContributionPlansExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfDeferredTaxesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfIncomeTaxExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfFinancialInstrumentsHeldForTradingExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfFairValueMeasurementExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfDebtSecuritiesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForHedgingExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfDetailedInformationAboutHedgesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfHedgeAccountingExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfIntangibleAssetsAndGoodwillExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfPropertyPlantAndEquipmentExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfLeasesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfOtherAssetsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfDepositsFromCustomersExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForBorrowingsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfDetailedInformationAboutBorrowingsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfBorrowingsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfOtherLiabilitiesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfCollateralExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfBusinessCombinationsExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfRelatedPartyExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfEarningsPerShareExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="esef_cor_NotesAccountingPoliciesAndMandatoryTags" xlink:to="ifrs-full_DisclosureOfEventsAfterReportingPeriodExplanatory" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://sparebank1smn.com/xbrl/2023/roles/Table1ProfitOrLossPlaceholderThisItemMUSTBeUsedAsAStartingPointForTheStatementOfProfitOrLossIfTheStatementOfProfitOrLossIsDisclosedSeparately" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncomeStatementAbstract" xlink:label="ifrs-full_IncomeStatementAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProfitLossAbstract" xlink:label="ifrs-full_ProfitLossAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" xlink:label="ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_OtherInterestIncome" xlink:label="SB1SMN_OtherInterestIncome" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InterestExpense" xlink:label="ifrs-full_InterestExpense" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InterestRevenueExpense" xlink:label="ifrs-full_InterestRevenueExpense" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_FeeAndCommissionIncome" xlink:label="ifrs-full_FeeAndCommissionIncome" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_FeeAndCommissionExpense" xlink:label="ifrs-full_FeeAndCommissionExpense" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherIncome" xlink:label="ifrs-full_OtherIncome" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_FeeAndCommissionIncomeExpense" xlink:label="ifrs-full_FeeAndCommissionIncomeExpense" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_RevenueFromDividends" xlink:label="ifrs-full_RevenueFromDividends" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:label="ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Revenue" xlink:label="ifrs-full_Revenue" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_EmployeeBenefitsExpense" xlink:label="ifrs-full_EmployeeBenefitsExpense" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherExpenseByNature" xlink:label="ifrs-full_OtherExpenseByNature" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OperatingExpense" xlink:label="ifrs-full_OperatingExpense" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_ProfitLossBeforeTaxAndImpairment" xlink:label="SB1SMN_ProfitLossBeforeTaxAndImpairment" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" xlink:label="ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProfitLossBeforeTax" xlink:label="ifrs-full_ProfitLossBeforeTax" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:label="ifrs-full_IncomeTaxExpenseContinuingOperations" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:label="ifrs-full_ProfitLossFromDiscontinuedOperations" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProfitLoss" xlink:label="ifrs-full_ProfitLoss" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProfitLossAttributableToAbstract" xlink:label="ifrs-full_ProfitLossAttributableToAbstract" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_ProfitLossAttributableToAdditionalTier1CapitalHolders" xlink:label="SB1SMN_ProfitLossAttributableToAdditionalTier1CapitalHolders" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_ProfitLossAttributableToEquityCapitalCertificateHolders" xlink:label="SB1SMN_ProfitLossAttributableToEquityCapitalCertificateHolders" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_ProfitLossAttributableToTheSavingBankReserve" xlink:label="SB1SMN_ProfitLossAttributableToTheSavingBankReserve" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:label="ifrs-full_ProfitLossAttributableToNoncontrollingInterests" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_EarningsPerShareAbstract" xlink:label="ifrs-full_EarningsPerShareAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DilutedEarningsLossPerShare" xlink:label="ifrs-full_DilutedEarningsLossPerShare" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ProfitLossAbstract" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_InterestRevenueCalculatedUsingEffectiveInterestMethod" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="SB1SMN_OtherInterestIncome" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_InterestExpense" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_InterestRevenueExpense" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_FeeAndCommissionIncome" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_FeeAndCommissionExpense" order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_OtherIncome" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_FeeAndCommissionIncomeExpense" order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_RevenueFromDividends" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_Revenue" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_EmployeeBenefitsExpense" order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_OtherExpenseByNature" order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_OperatingExpense" order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="SB1SMN_ProfitLossBeforeTaxAndImpairment" order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_ProfitLossBeforeTax" order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_IncomeTaxExpenseContinuingOperations" order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_ProfitLossFromDiscontinuedOperations" order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAbstract" xlink:to="ifrs-full_ProfitLoss" order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ProfitLossAttributableToAbstract" order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAttributableToAbstract" xlink:to="SB1SMN_ProfitLossAttributableToAdditionalTier1CapitalHolders" order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAttributableToAbstract" xlink:to="SB1SMN_ProfitLossAttributableToEquityCapitalCertificateHolders" order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAttributableToAbstract" xlink:to="SB1SMN_ProfitLossAttributableToTheSavingBankReserve" order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ProfitLossAttributableToAbstract" xlink:to="ifrs-full_ProfitLossAttributableToNoncontrollingInterests" order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_ProfitLoss" order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_IncomeStatementAbstract" xlink:to="ifrs-full_EarningsPerShareAbstract" order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EarningsPerShareAbstract" xlink:to="ifrs-full_DilutedEarningsLossPerShare" order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://sparebank1smn.com/xbrl/2023/roles/Table1StatementOfComprehensiveIncomeAbstract" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:label="ifrs-full_StatementOfComprehensiveIncomeAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProfitLoss" xlink:label="ifrs-full_ProfitLoss" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherComprehensiveIncomeAbstract" xlink:label="ifrs-full_OtherComprehensiveIncomeAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:label="ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" xlink:label="ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:label="ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossBeforeTax" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:label="ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:label="ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:label="ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherComprehensiveIncome" xlink:label="ifrs-full_OtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ComprehensiveIncome" xlink:label="ifrs-full_ComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ComprehensiveIncomeAttributableToAbstract" xlink:label="ifrs-full_ComprehensiveIncomeAttributableToAbstract" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_ComprehensiveIncomeAttributableToAdditionalTier1CapitalHolders" xlink:label="SB1SMN_ComprehensiveIncomeAttributableToAdditionalTier1CapitalHolders" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_ComprehensiveIncomeAttributableToEquityCapitalCertificateHolders" xlink:label="SB1SMN_ComprehensiveIncomeAttributableToEquityCapitalCertificateHolders" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_ComprehensiveIncomeAttributableToTheSavingBankReserve" xlink:label="SB1SMN_ComprehensiveIncomeAttributableToTheSavingBankReserve" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:label="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_ProfitLoss" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeAbstract" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossBeforeTax" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_OtherComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncome" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_ComprehensiveIncome" order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="ifrs-full_ComprehensiveIncomeAttributableToAbstract" order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAttributableToAbstract" xlink:to="SB1SMN_ComprehensiveIncomeAttributableToAdditionalTier1CapitalHolders" order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAttributableToAbstract" xlink:to="SB1SMN_ComprehensiveIncomeAttributableToEquityCapitalCertificateHolders" order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAttributableToAbstract" xlink:to="SB1SMN_ComprehensiveIncomeAttributableToTheSavingBankReserve" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAttributableToAbstract" xlink:to="ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://sparebank1smn.com/xbrl/2023/roles/Table1StatementOfFinancialPositionAbstract" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_StatementOfFinancialPositionAbstract" xlink:label="ifrs-full_StatementOfFinancialPositionAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AssetsAbstract" xlink:label="ifrs-full_AssetsAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:label="ifrs-full_CashAndBankBalancesAtCentralBanks" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LoansAndAdvancesToBanks" xlink:label="ifrs-full_LoansAndAdvancesToBanks" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LoansAndAdvancesToCustomers" xlink:label="ifrs-full_LoansAndAdvancesToCustomers" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_BankDebtInstrumentsHeld" xlink:label="ifrs-full_BankDebtInstrumentsHeld" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DerivativeFinancialAssets" xlink:label="ifrs-full_DerivativeFinancialAssets" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_EquityInstrumentsHeld" xlink:label="ifrs-full_EquityInstrumentsHeld" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InvestmentAccountedForUsingEquityMethod" xlink:label="ifrs-full_InvestmentAccountedForUsingEquityMethod" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:label="ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwners" xlink:label="ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwners" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IntangibleAssetsAndGoodwill" xlink:label="ifrs-full_IntangibleAssetsAndGoodwill" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherAssets" xlink:label="ifrs-full_OtherAssets" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Assets" xlink:label="ifrs-full_Assets" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_EquityAndLiabilitiesAbstract" xlink:label="ifrs-full_EquityAndLiabilitiesAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DepositsFromBanks" xlink:label="ifrs-full_DepositsFromBanks" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DepositsFromCustomers" xlink:label="ifrs-full_DepositsFromCustomers" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DebtSecurities" xlink:label="ifrs-full_DebtSecurities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DerivativeFinancialLiabilities" xlink:label="ifrs-full_DerivativeFinancialLiabilities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherLiabilities" xlink:label="ifrs-full_OtherLiabilities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:label="ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_SubordinatedLiabilities" xlink:label="ifrs-full_SubordinatedLiabilities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Liabilities" xlink:label="ifrs-full_Liabilities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IssuedCapital" xlink:label="ifrs-full_IssuedCapital" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_TreasuryShares" xlink:label="ifrs-full_TreasuryShares" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_SharePremium" xlink:label="ifrs-full_SharePremium" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_DividendEqualizationFund" xlink:label="SB1SMN_DividendEqualizationFund" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_DividendAllocation" xlink:label="SB1SMN_DividendAllocation" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_GiftsAllocation" xlink:label="SB1SMN_GiftsAllocation" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_OwnerlessCapital" xlink:label="SB1SMN_OwnerlessCapital" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_UnrealizedGainsReserve" xlink:label="SB1SMN_UnrealizedGainsReserve" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherReserves" xlink:label="ifrs-full_OtherReserves" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_AdditionalTier1Capital" xlink:label="SB1SMN_AdditionalTier1Capital" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NoncontrollingInterests" xlink:label="ifrs-full_NoncontrollingInterests" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Equity" xlink:label="ifrs-full_Equity" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_EquityAndLiabilities" xlink:label="ifrs-full_EquityAndLiabilities" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_AssetsAbstract" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_CashAndBankBalancesAtCentralBanks" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_LoansAndAdvancesToBanks" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_LoansAndAdvancesToCustomers" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_BankDebtInstrumentsHeld" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_DerivativeFinancialAssets" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_EquityInstrumentsHeld" order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_InvestmentAccountedForUsingEquityMethod" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwners" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_IntangibleAssetsAndGoodwill" order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_OtherAssets" order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_AssetsAbstract" xlink:to="ifrs-full_Assets" order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="ifrs-full_EquityAndLiabilitiesAbstract" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_DepositsFromBanks" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_DepositsFromCustomers" order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_DebtSecurities" order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_DerivativeFinancialLiabilities" order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_OtherLiabilities" order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_SubordinatedLiabilities" order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_Liabilities" order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_IssuedCapital" order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_TreasuryShares" order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_SharePremium" order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="SB1SMN_DividendEqualizationFund" order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="SB1SMN_DividendAllocation" order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="SB1SMN_GiftsAllocation" order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="SB1SMN_OwnerlessCapital" order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="SB1SMN_UnrealizedGainsReserve" order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_OtherReserves" order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="SB1SMN_AdditionalTier1Capital" order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_NoncontrollingInterests" order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_Equity" order="32" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="ifrs-full_EquityAndLiabilities" order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://sparebank1smn.com/xbrl/2023/roles/Table1StatementOfChangesInEquityAbstract" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_StatementOfChangesInEquityAbstract" xlink:label="ifrs-full_StatementOfChangesInEquityAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_StatementOfChangesInEquityTable" xlink:label="ifrs-full_StatementOfChangesInEquityTable" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ComponentsOfEquityAxis" xlink:label="ifrs-full_ComponentsOfEquityAxis" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_EquityMember" xlink:label="ifrs-full_EquityMember" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_FondForUrealiserteGevinsterMember" xlink:label="SB1SMN_FondForUrealiserteGevinsterMember" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_GrunnfondskapitalMember" xlink:label="SB1SMN_GrunnfondskapitalMember" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_HybridkapitalMember" xlink:label="SB1SMN_HybridkapitalMember" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_UtbytteOgGaverMember" xlink:label="SB1SMN_UtbytteOgGaverMember" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_UtjevningsfondMember" xlink:label="SB1SMN_UtjevningsfondMember" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IssuedCapitalMember" xlink:label="ifrs-full_IssuedCapitalMember" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_NoncontrollingInterestsMember" xlink:label="ifrs-full_NoncontrollingInterestsMember" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherReservesMember" xlink:label="ifrs-full_OtherReservesMember" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_SharePremiumMember" xlink:label="ifrs-full_SharePremiumMember" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_StatementOfChangesInEquityLineItems" xlink:label="ifrs-full_StatementOfChangesInEquityLineItems" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Equity" xlink:label="ifrs-full_Equity" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Equity" xlink:label="ifrs-full_Equity_PeriodStart" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_Equity" xlink:label="ifrs-full_Equity_PeriodEnd" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ComprehensiveIncomeAbstract" xlink:label="ifrs-full_ComprehensiveIncomeAbstract" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_ImplementationEffectIFRS17" xlink:label="SB1SMN_ImplementationEffectIFRS17" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ChangesInEquityAbstract" xlink:label="ifrs-full_ChangesInEquityAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProfitLoss" xlink:label="ifrs-full_ProfitLoss" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodNetOfTax" xlink:label="SB1SMN_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodNetOfTax" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" xlink:label="ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetOfTaxDefinedBenefitPlans" xlink:label="ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetOfTaxDefinedBenefitPlans" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherComprehensiveIncome" xlink:label="ifrs-full_OtherComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ComprehensiveIncome" xlink:label="ifrs-full_ComprehensiveIncome" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DividendsPaid" xlink:label="ifrs-full_DividendsPaid" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_GiftsPaid" xlink:label="SB1SMN_GiftsPaid" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_IssueOfAdditionalTier1Capital" xlink:label="SB1SMN_IssueOfAdditionalTier1Capital" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_BuybackOfAdditionalTier1Capital" xlink:label="SB1SMN_BuybackOfAdditionalTier1Capital" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_StatementOfCashFlowsAbstract" xlink:label="ifrs-full_StatementOfCashFlowsAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:label="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_InterestPaidOnAdditionalTier1Capital" xlink:label="SB1SMN_InterestPaidOnAdditionalTier1Capital" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseThroughTreasuryShareTransactions" xlink:label="ifrs-full_IncreaseDecreaseThroughTreasuryShareTransactions" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_IncreaseDecreaseThroughTreasuryShareTransactionsSB1Markets" xlink:label="SB1SMN_IncreaseDecreaseThroughTreasuryShareTransactionsSB1Markets" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:label="ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_ShareOfOtherTransactionsFromAssociatesAndJointVentures" xlink:label="SB1SMN_ShareOfOtherTransactionsFromAssociatesAndJointVentures" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_IncreaseDecreaseThroughChangesInNonControllingInterests" xlink:label="SB1SMN_IncreaseDecreaseThroughChangesInNonControllingInterests" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ChangesInEquity" xlink:label="ifrs-full_ChangesInEquity" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IssueOfEquity" xlink:label="ifrs-full_IssueOfEquity" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseThroughDisposalOfSubsidiary" xlink:label="ifrs-full_IncreaseDecreaseThroughDisposalOfSubsidiary" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityAbstract" xlink:to="ifrs-full_StatementOfChangesInEquityTable" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityTable" xlink:to="ifrs-full_ComponentsOfEquityAxis" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComponentsOfEquityAxis" xlink:to="ifrs-full_EquityMember" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="SB1SMN_FondForUrealiserteGevinsterMember" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="SB1SMN_GrunnfondskapitalMember" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="SB1SMN_HybridkapitalMember" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="SB1SMN_UtbytteOgGaverMember" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="SB1SMN_UtjevningsfondMember" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="ifrs-full_IssuedCapitalMember" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="ifrs-full_NoncontrollingInterestsMember" order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="ifrs-full_OtherReservesMember" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_EquityMember" xlink:to="ifrs-full_SharePremiumMember" order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityAbstract" xlink:to="ifrs-full_StatementOfChangesInEquityLineItems" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_Equity" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_Equity_PeriodStart" order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_ComprehensiveIncomeAbstract" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="SB1SMN_ImplementationEffectIFRS17" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_ChangesInEquityAbstract" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="ifrs-full_ProfitLoss" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="SB1SMN_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodNetOfTax" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetOfTaxDefinedBenefitPlans" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="ifrs-full_OtherComprehensiveIncome" order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="ifrs-full_ComprehensiveIncome" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="ifrs-full_DividendsPaid" order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="SB1SMN_GiftsPaid" order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="SB1SMN_IssueOfAdditionalTier1Capital" order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="SB1SMN_BuybackOfAdditionalTier1Capital" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_StatementOfCashFlowsAbstract" order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="SB1SMN_InterestPaidOnAdditionalTier1Capital" order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="ifrs-full_IncreaseDecreaseThroughTreasuryShareTransactions" order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="SB1SMN_IncreaseDecreaseThroughTreasuryShareTransactionsSB1Markets" order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="SB1SMN_ShareOfOtherTransactionsFromAssociatesAndJointVentures" order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="SB1SMN_IncreaseDecreaseThroughChangesInNonControllingInterests" order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="ifrs-full_ChangesInEquity" order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="ifrs-full_Equity_PeriodEnd" order="999" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="ifrs-full_IssueOfEquity" order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_ComprehensiveIncomeAbstract" xlink:to="ifrs-full_IncreaseDecreaseThroughDisposalOfSubsidiary" order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
  <presentationLink xlink:role="http://sparebank1smn.com/xbrl/2023/roles/Table1StatementOfCashFlowsAbstract" xlink:type="extended" xmlns:xlink="http://www.w3.org/1999/xlink">
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_StatementOfCashFlowsAbstract" xlink:label="ifrs-full_StatementOfCashFlowsAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProfitLoss" xlink:label="ifrs-full_ProfitLoss" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" xlink:label="ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLossLoansAndAdvances" xlink:label="ifrs-full_AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLossLoansAndAdvances" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdjustmentsForUndistributedProfitsOfAssociates" xlink:label="ifrs-full_AdjustmentsForUndistributedProfitsOfAssociates" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherAdjustmentsForWhichCashEffectsAreInvestingOrFinancingCashFlow" xlink:label="ifrs-full_OtherAdjustmentsForWhichCashEffectsAreInvestingOrFinancingCashFlow" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInOperationsBeforeChangesInWorkingCapital" xlink:label="ifrs-full_CashFlowsFromUsedInOperationsBeforeChangesInWorkingCapital" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" xlink:label="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks" xlink:label="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_AdjustmentsForIncreaseDecreaseInDebtInstrumentsHeld" xlink:label="SB1SMN_AdjustmentsForIncreaseDecreaseInDebtInstrumentsHeld" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInOperatingActivities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashAndCashEquivalentsInSubsidiaryOrBusinessesAcquiredOrDisposed2013" xlink:label="ifrs-full_CashAndCashEquivalentsInSubsidiaryOrBusinessesAcquiredOrDisposed2013" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:label="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PurchaseOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets" xlink:label="ifrs-full_PurchaseOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProceedsFromDisposalsOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets" xlink:label="ifrs-full_ProceedsFromDisposalsOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:label="ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DividendsReceivedFromInvestmentsAccountedForUsingEquityMethodClassifiedAsInvestingActivities" xlink:label="ifrs-full_DividendsReceivedFromInvestmentsAccountedForUsingEquityMethodClassifiedAsInvestingActivities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod" xlink:label="ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" xlink:label="ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherCashReceiptsFromSalesOfEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities" xlink:label="ifrs-full_OtherCashReceiptsFromSalesOfEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_OtherCashPaymentsToAcquireEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities" xlink:label="ifrs-full_OtherCashPaymentsToAcquireEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInInvestingActivities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:label="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:label="ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:label="ifrs-full_RepaymentsOfSubordinatedLiabilities" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_PurchaseOfTreasurySharesFinancingActivities" xlink:label="SB1SMN_PurchaseOfTreasurySharesFinancingActivities" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_SaleOfTreasurySharesFinancingActivities" xlink:label="SB1SMN_SaleOfTreasurySharesFinancingActivities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:label="ifrs-full_DividendsPaidClassifiedAsFinancingActivities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_DividendsPaidToNoncontrollingInterestsClassifiedAsFinancingActivities" xlink:label="ifrs-full_DividendsPaidToNoncontrollingInterestsClassifiedAsFinancingActivities" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_GiftsPaid" xlink:label="SB1SMN_GiftsPaid" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_ProceedsFromIssueOfAdditionalTier1Capital" xlink:label="SB1SMN_ProceedsFromIssueOfAdditionalTier1Capital" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_BuybackOfAdditionalTier1Capital" xlink:label="SB1SMN_BuybackOfAdditionalTier1Capital" />
    <loc xlink:type="locator" xlink:href="SB1SMN-2023-12-31.xsd#SB1SMN_InterestPaidOnAdditionalTier1CapitalClassifiedAsFinancingActivities" xlink:label="SB1SMN_InterestPaidOnAdditionalTier1CapitalClassifiedAsFinancingActivities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_ProceedsFromNoncurrentBorrowings" xlink:label="ifrs-full_ProceedsFromNoncurrentBorrowings" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_RepaymentsOfNoncurrentBorrowings" xlink:label="ifrs-full_RepaymentsOfNoncurrentBorrowings" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:label="ifrs-full_CashFlowsFromUsedInFinancingActivities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:label="ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="ifrs-full_CashAndCashEquivalents" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="ifrs-full_CashAndCashEquivalents_PeriodEnd" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InterestReceivedClassifiedAsOperatingActivities" xlink:label="ifrs-full_InterestReceivedClassifiedAsOperatingActivities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.ifrs.org/taxonomy/2022-03-24/full_ifrs/full_ifrs-cor_2022-03-24.xsd#ifrs-full_InterestPaidClassifiedAsOperatingActivities" xlink:label="ifrs-full_InterestPaidClassifiedAsOperatingActivities" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_ProfitLoss" order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="ifrs-full_AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLossLoansAndAdvances" order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="ifrs-full_AdjustmentsForUndistributedProfitsOfAssociates" order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="ifrs-full_OtherAdjustmentsForWhichCashEffectsAreInvestingOrFinancingCashFlow" order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInOperationsBeforeChangesInWorkingCapital" order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="ifrs-full_AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="ifrs-full_AdjustmentsForIncreaseDecreaseInDepositsFromBanks" order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="SB1SMN_AdjustmentsForIncreaseDecreaseInDebtInstrumentsHeld" order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInOperatingActivities" order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashAndCashEquivalentsInSubsidiaryOrBusinessesAcquiredOrDisposed2013" order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:to="ifrs-full_PurchaseOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets" order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:to="ifrs-full_ProceedsFromDisposalsOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets" order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:to="ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:to="ifrs-full_DividendsReceivedFromInvestmentsAccountedForUsingEquityMethodClassifiedAsInvestingActivities" order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:to="ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod" order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:to="ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:to="ifrs-full_OtherCashReceiptsFromSalesOfEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities" order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:to="ifrs-full_OtherCashPaymentsToAcquireEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities" order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInInvestingActivities" order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="ifrs-full_RepaymentsOfSubordinatedLiabilities" order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="SB1SMN_PurchaseOfTreasurySharesFinancingActivities" order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="SB1SMN_SaleOfTreasurySharesFinancingActivities" order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="ifrs-full_DividendsPaidClassifiedAsFinancingActivities" order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="ifrs-full_DividendsPaidToNoncontrollingInterestsClassifiedAsFinancingActivities" order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="SB1SMN_GiftsPaid" order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="SB1SMN_ProceedsFromIssueOfAdditionalTier1Capital" order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="SB1SMN_BuybackOfAdditionalTier1Capital" order="32" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="SB1SMN_InterestPaidOnAdditionalTier1CapitalClassifiedAsFinancingActivities" order="32" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="ifrs-full_ProceedsFromNoncurrentBorrowings" order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="ifrs-full_RepaymentsOfNoncurrentBorrowings" order="34" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="ifrs-full_CashFlowsFromUsedInFinancingActivities" order="35" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" order="36" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashAndCashEquivalents" order="37" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_CashAndCashEquivalents_PeriodEnd" order="38" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_InterestReceivedClassifiedAsOperatingActivities" order="39" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
    <presentationArc xlink:type="arc" xlink:from="ifrs-full_StatementOfCashFlowsAbstract" xlink:to="ifrs-full_InterestPaidClassifiedAsOperatingActivities" order="40" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" priority="1" />
  </presentationLink>
</linkbase>