H1'23 Highlights

Progressing towards our 2025 profitability targets ROTE H1'23 2025 Target ROTE Europe 13.5% c.15% H1'23 2025 Target SCIB 29.2% >20% SCIB North 11.1% c.15%¹ WM&I 89.3% c.60% America WM&I South 14.0% c.19% America 18.3% >15% Auto Digital DCB Consumer 10.8% c.15% EBITDA Margin H1'23 2025 Target Bank Group 14.5% 15-17% PagoNxt Santander (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. 11.2% >30% 50

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