Investor Presentaiton

PagoNxt Innovative payments solutions for both Santander and non-Santander clients Merchant solutions Getnet is our merchant payments global franchise offering in-store and ecommerce acquiring, processing and value-added services Getnet* Getnet already available in 4 LatAm countries after Q1 launch in Chile Trade solutions One Trade is our global trade and international payments platform, addressing the needs of SMEs and Corporates with the latest technology CAGR mid-term (e) Q1'21 • Getnet, 3rd largest acquirer in LatAm, with higher growing rates in remote payments environment Ebury Active clients >15 k Revenue +30-40% • Volumes & commercial activity in acquiring recovered pre-covid levels One Trade Active clients 4,119 Transaction volume +100% Q1'21 Active merchants 1,125 k +14% YOY Total payments volume EUR 22.5 bn +26% YoY CAGR mid-term (e) Active merchants Total payments volume +20-30% +16% YoY Santander Note: % changes in constant euros (1) Brasil, Mexico, Chile and Argentina (2) Unbanked and underbanked population Consumer solutions PagoŅxt Consumer focuses on creating compelling, integrated payment experiences, becoming deeply embedded in consumers' financial lives S superdigital Q1'21 in Brazil Active users Transaction volume 570 k EUR 72 mn +30% YoY TAM (total addressable market) 300 mn Underserved² in LatAm 53

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