H1'23 Highlights

01. Customer focus 164 million customers Distribution by market 23% 43% 25% DCB 9% We have grown our customer base over the last seven years, with balanced growth by region and business 99 mn (+2mn) Active customers Customer satisfaction Top 3 NPS1 in 5 markets Do +10% Transactions per active customer 52.5 mn (+5%) Digital customers 55% Digital sales as a % of total sales in H1'23 Santander Note: YoY changes Transactions include merchant acquiring, cards and electronic A2A payments. (1) NPS internal benchmark of individual customers' satisfaction audited by Stiga/Deloitte H1'23. 7

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