Retail Banking Performance Update

TLAC/MREL for the Resolution Group headed by Banco Santander, S.A. TLAC Dec-22(e) MREL Dec-22(e) % Distance to M-MDA % and € bn 38.2% 145.2 5.5% 3.7% 21.6 Senior 25.1% 27.8 SNP 3.4% 3.7% 3.0 Sub debt 16.3% 10.1 T2 Req. 32.6% 8.0 AT1 3.1% 29.0% Req. 21.7% 8.9% 18.0% 2.1% 13.2% 74.8 CET1 6.8% Santander % RWAS % LE % RWAS % LE MREL instruments €9.9bn €17.4bn 337bps 210bps €21.0bn €27.8bn 552bps 312bps Note: Figures applying the IFRS 9 transitional arrangements. (1) TLAC RWAs are €293bn and leverage exposure is €829bn. MREL RWAS are €381bn and leverage exposure is €890bn. (2) MREL Requirement based on RWAs from Jan-24: 30.32% + Combined Buffer Requirement (CBR). Requirement CBR Buffer 11

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