2022 Highlights and ESG Progress

Strong performance in 2022, delivering on profitability, capital and CoR targets We continue to serve more customers while maintaining a rock-solid balance sheet - +7 million customers in 2022 - Top 3 by NPS in 8 markets - FL CET1 above 12%, while delivering on CoR target (<1%) As a result, 2022 has been a record - - year: Double-digit growth in revenue (+6% in constant euros) and profit ROTE 13.4% and EPS +23% YOY - Increased shareholder remuneration: cash DPS +16% year-on-year¹ Santander (1) Our 2022 shareholder remuneration policy is c.40% payout split in approximately equal parts (cash and share buybacks). Cash DPS estimated as 20% of the profit for the year. Implementation of the shareholder remuneration policy is subject to future corporate and regulatory decisions and approvals. 28

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