H1'22 Financial Results and PagoNxt Highlights

Liquidity and Funding Santander Parent & Subsidiaries' Senior Debt Ratings Moody's S&P Fitch Date last Direction Date last Rating Outlook Rating change last change change Direction last change Date last Direction Outlook Rating Outlook change last change Group San UK PLC San UK Group Holding PLC A2 17/04/2018 ↑ STABLE A+ 16/12/2021 ↑ STABLE A- 29/05/2014 ↑ STABLE A1 20/10/2020 ↑ STABLE A 09/06/2015 ↑ STABLE A+ 03/01/2019 ↑ STABLE (P) Baal 16/09/2015 ↓ STABLE BBB 10/04/2015 ↑ STABLE A 20/12/2019 ↑ STABLE Santander Consumer Finance SA A2 17/04/2018 STABLE A 16/12/2021 STABLE A 28/10/2019 STABLE Banco Santander Totta SA Baa2 08/09/2021 ↑ STABLE BBB 18/03/2019 ↑ Santander Holding US Baa3 18/10/2016 ↓ Banco Santander Mexico Baal 22/04/2020 STABLE STABLE BBB+ 06/04/2018 ↑ STABLE STABLE BBB+ BBB+ BBB+ 21/12/2017 ↑ STABLE 17/11/2017 ↑ STABLE 13/06/2012 STABLE Banco Santander Chile A1 27/07/2018 NEG A- 25/03/2021 STABLE Santander Bank Polska A3 03/06/2019 ↑ STABLE BBB+ 02/06/2014 ↑ STABLE Banco Santander Brasil Bal 25/02/2016 ↓ STABLE BB- 12/01/2018 STABLE Kingdom of Spain* Baa1 15/07/2022 STABLE Au 20/09/2019 ↑ STABLE A- 19/01/2018 ↑ STABLE Note: Santander México decided to withdraw the S&P ratings. Santander For more information on the Group's ratings see the Links page in the Appendix. 47

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