Investor Presentaiton

03. Well balanced profit and volume distribution Diversification Contribution to H1'22 underlying attributable profit¹ Jun-22 Group's contribution² by primary segments Customer loans Customer funds 31% Our balanced profit 10% and volume 12% 58% 5% diversification 64% 17% remains a source of 15% 33% great strength and stability 26% 15% 14% Europe North America South America Digital Consumer Bank Santander (1) As a % of operating areas, excluding Corporate Centre (2) As a percentage of operating areas. Note: customer loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. 11

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