Investor Presentaiton

Santander, a leading financial group 9M'22 Highlights Total assets (€ bn) 1,816 Customer loans (€ bn excluding reverse repos) 1,040 Customer deposits + mutual funds (€ bn; excluding repos) 1,129 Branches 9,134 9M'22 Net operating income (pre-provision profit) (€ mn) 21,034 Simple Personal Fair 000 9M'22 Attributable profit (€ mn) 7,316 Market capitalization (€bn; 30-09-22) 40 People (headcount) 203,376 Customers (mn) 159 Shareholders (mn) 3.9 Communities 2019-9M'22 (mn; financially empowered people) 9 Santander 4

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