2023 Highlights Digital Consumer Bank Europe

Retail Driving growth and efficiency on the back of our new model and proprietary technology Д Customer experience Operational leverage Global platform 2025 target c.17% ROTE Product simplification and digital first Common operating model globally leveraging process automation Proprietary back-end (Gravity) and our cloud based front-end (ODS) technologies 15.1% 2023 <42% C/I Key drivers Active customers (mn) 74.6 +1% 75.1 2022 2023 # of products (k) -16% 10.1 Santander (1) Metrics cover all products and employees in the branch network. 8.4 # of non-commercial FTEs¹ per mn total customers 43.1% 2023 -1.5% 657 647 2022 2023 Jun-23 Dec-23 56

View entire presentation