H1'22 Financial Results and PagoNxt Highlights

Liquidity and Funding Banco Santander S.A. ratings Moody's S&P Fitch Date last Direction Direction Date last Rating Rating Date last change Rating change last change last change change Direction last change Covered Bonds Aa1 03/12/2019 AAu 28/01/2022 ↑ Senior Debt (P)A2 17/04/2018 A+ Senior Non-preferred Subordinated Baal 29/10/2021 Initial A- (P) Baa2 04/03/2014 ↑ BBB+ 16/12/2021 27/10/2021 06/04/2018 ↑ A 17/07/2018 Initial A- 01/11/2021 Initial ↑ BBB 27/03/2020 AT1 Bal 28/09/2017 Initial BB+ 27/03/2020 Short Term Debt P-1 17/04/2018 ↑ A-1 06/04/2018 F2 17/07/2018 Santander For more information on the Group's ratings see the Links page in the Appendix. 46

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