Investor Presentaiton

Global businesses SCIB: solid profit increase driven by double-digit growth in all core businesses and strict efficiency management WM&I: double-digit increase thanks to our diversified value- added proposition and solid performance in our 3 businesses (Private Banking, Asset Management and Insurance) € million and YoY changes in constant euros Payments PagoNxt: revenue grew 87% due to overall increase in business activity and volumes across regions Cards: double-digit revenue growth YoY in the Americas and Europe € million and YoY changes in constant euros Revenue Total Payments Volume Underlying att. profit ROTE 1,531 +28% 398 +87% 24.3% €74.6bn SCIB SCIB PagoNxt +5.0pp +35% H1'22 H1'22 WM&I WM&I Santander Turnover 515 +15% 1,951 +28% 57.1% €146.2bn Cards +5.3pp +20% H1'22 H1'22 54

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