Investor Presentaiton

02. Scale Market shares Local scale and leadership based on three regions. Worldwide reach through our global businesses and PagoNxt Santander 4% Auto lending 2% Deposits North America 10% Loans Europe 8% Deposits 18% Loans 12% Loans 14% Loans 12% Deposit 14% 11% South America Deposits Deposits 18% Loans 19% .10% Loans Deposits 18% Loans 18% 11% Deposits Deposits 11% Loans 11% Deposits B SCIB Santander Corporate & Investment Banking WM&I Digital Consumer Bank #1 European Consumer Bank PagoNxt Santander Wealth Management & Insurance PagoNxt Market share data: as at Mar-22 and Argentina, USA, Brazil and Digital Consumer Bank latest available. Spain includes Santander España (public criteria) + Hub Madrid + SCF España + Openbank and Other Resident sectors in deposits. The UK: includes London Branch. Poland: including SCF business in Poland. The US: retail auto loans includes Santander Consumer USA and Chrysler Capital combined. Deposits considering all states where Santander Bank operates. Brazil: deposits including debenture, LCA (agribusiness notes), LCI (real estate credit notes), financial bills (letras financeiras) and COE (certificates of structured operations). 10

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