Retail Banking Performance Update

Stage coverage Exposure¹ Coverage Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Stage 1 885 904 912 929 967 998 1,030 1,004 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.4% Stage 2 70 70 67 71 68 66 70 69 8.1% 8.2% 8.6% 7.7% 8.0% 8.5% 7.7% 7.7% Stage 3 32 33 33 33 36 34 36 35 42.5% 42.2% 43.0% 41.3% 41.0% 40.1% 41.0% 40.8% 1) Exposure subject to impairment in EUR bn. Santander Additionally, customer loans not subject to impairment recorded at mark to market with changes through P&L (EUR 27 bn in March 2021, EUR 26 bn in June 2021, EUR 27 bn in September 2021, EUR 18 bn in December 2021, EUR 22 bn in March 2022, EUR 23 bn in June 2022, EUR 21 bn in September 2022 and EUR 16 bn in December 2022). 16

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