Investor Presentaiton

SOUTH AMERICA 'We remain focused on expanding, sharing best practices from each country and delivering profitable growth' 9M'22 Highlights Branches 3,754 00 Mй Employees 76,028 Total customers (mn) 67.4 Digital customers (mn) 25.4 Customer loans (€ bn) 159 Customer funds (€ bn) 191 Strategic priorities ■■ Strengthen connectivity and share best practices across countries, capturing new business opportunities Focus on delivering profitable growth, increasing loyalty and customer attraction, as well as controlling risks and costs Make headway in the development of joint initiatives between SCIB and corporates In payment methods, focus on e-commerce strategies, on the business of instant domestic and international transfers and in expanding Getnet Underlying attributable profit (€ mn) 2,884 ROTE¹ 26.6% Continue to promote inclusive and sustainable businesses, such as micro-credit programmes, and further developed ESG initiatives Santander (1) Adjusted RoTES: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 20.0%. Customer loans: gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. More information at https://www.santander.com/en/about-us/where-we-are/south-america 27

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