H1'23 Highlights

H1'23 Highlights WM&I Wealth Management & Insurance "We want to become the best responsible Wealth and Protection Manager in Europe and the Americas" Strategic priorities Total assets under management1 (€ bn) 440 Total fees generated as % of the Group's total fees² 30% Santander ROTE Private Banking 2013 Continue building our global platform leveraging the connectivity of our teams Keep developing a more sophisticated value proposition EUROMONEY GLOBAL PRIVATE BANKING AWARDS 2023 BANK 89% ■ Nurture our PB segments, with a global service supporting cross-border clients in Private Wealth BEST PR KAWARD 2023 GLOBAL Underlying attributable profit (€ mn) 819 شية Total contribution to Group's profit² (€ mn) ■ Continue to be the preferred funds partner for our retail network РШТ WEALTH TECH AWARDS 2025 Pum WEALTH TECH AWARDS 2025 1,637 Total contribution to Group's profit growth? Private Banking customers (k) Santander Asset Management +30% YoY ■ Become a relevant player in the Alternatives business ■ Grow in the Institutional and Private Banking segments Bark For S 251 Private Banking net new money (€ bn) 6.4 Santander Asset Management net sales (€ bn) 3.2 ΩΩ Insurance Gross written premiums growth Santander Insurance Enable digital investment platform in all countries ■ Work to be the preferred insurance provider for our customers ■ Focus on improving customer lifetime value and user experience through innovative programs Leverage data analytics to deliver better service to our customers XXXIV Premios Fondos 2023 Expansión allfunds PREMIO SALMÓN 2023 DIARIO FINANCIERO LVAINDICES GLOBAL Private Banking INNOVATION AWARDS 2023 +11% YoY Our ESG commitment: reach €100bn SRI AuMs by 2025 Santander (1) Total assets marketed and/or managed. Private Banking + SAM excluding AuMs of Private Banking customers managed by SAM. (2) Including fees generated by asset management and insurance transferred to the commercial network. More information at https://www.santander.com/en/about-us/where-we-are/wealth-management-insurance 34

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