Investor Presentaiton

9M'22 Highlights Branches 301 00 M Employees 9,798 Total customers (mn) 4.0 ■ Digital customers (mn) 2.0 Customer loans (€ bn) 43 Customer funds (€ bn) 38 Underlying attributable profit (€ mn) ROTE' 551 ■ 30.9% Santander Chile 'We are the leading bank in the country and we always have the customer at the centre of our strategy' ☐ Strategic priorities ■■ Maintain our leadership position in NPS through the continuous improvement of our service quality Continue to progress in our technological developments in order to improve efficiency Transform the bank into a platform that customers can use as a channel or software provider to develop their businesses (e.g. Workcafé Community, Getnet) Continue to consolidate our position in the mass segment through Life and Superdigital Continue with our ESG strategy, increasing green finance and financially empowering our customers (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 21.6%. Customer loans: gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. More information at https://www.santander.com/en/about-us/where-we-are/santander-chile 29

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