2023 Highlights Digital Consumer Bank Europe

Looking ahead, we are well positioned to continue driving additional profitable growth in 2024 Our consistent track record and the implementation of ONE Santander make us confident we will deliver on the following targets in 2024 Mid-single <43% c.1.2% >12.0% 16% digit growth Revenue¹ Efficiency COR FL CET1 ROTE after Basel II| implementation Double-digit growth of TNAVps+DPS through-the-cycle Santander Note: targets market dependent. Based on macro assumptions aligned with international economic institutions. (1) YoY revenue growth in constant euros, but Argentina in current euros. 65

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