Investor Presentaiton

Uruguay 'Santander Uruguay is the country's leading privately-owned bank' 9M'22 Highlights Peru 'Activity focused on corporates, the country's large companies and the Group's global customers (SCIB)' 9M'22 Highlights Colombia 'Focus on corporates and SCIB, and new alliances in auto finance' 9M'22 Highlights ☐☐☐ Underlying att. profit (€ mn) 96 Underlying att. profit (€ mn) 52 ROTE¹ 31.3% одо ROTE¹ 19.4% هههه Underlying att. profit (€ mn) 22 ROTE¹ 11.4% Strategic priorities Further consolidate the business (Getnet's roll-out and strengthening SME offering) and accelerate the technological and digital development model Strategic priorities Continue expanding our global, corporate and retail customer base, driving greater synergies and expanding our microfinance businesses Strategic priorities Increase profitability with the new financial entity in consumer, develop Prospera and deepen the offer for Multilatinas in Corporates Santander (1) Adjusted RoTES: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 21.2% for Uruguay, 22.2% for Peru and 17.3% for Colombia. 31

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