Santander Business Strategy and Financial Inclusion

Strategy and business Sustained loan growth, especially in mortgages, SMEs and CIB, underpinned by strong new lending volumes Total loans (EUR bn) +2.6% +0.4% 40.3 40.5 Loans at amortised cost (Eur bn) Sep-21 YoY (%) QoQ (%) 40.0 39.5 39.5 Individuals 23.7 +5.2 +1.5 Mortgage 21.6 +5.9 +1.7 Consumer and other 2.1 -1.8 +0.2 Corporates 16.5 -0.5 -0.7 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Santander 10

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