Investor Presentaiton

Spain 'The commitment to and collaboration with our customers demonstrates the full potential of Santander España' 9M'22 Highlights Branches 1,914 00 MA Employees 26,674 Total customers (mn) 14.1 2 Digital customers (mn) 5.8 Customer loans (€ bn) 257 Customer funds (€ bn) 391 ◉ Underlying attributable profit (€ mn) 1,104 ■ Strategic priorities Grow our customer base providing the best customer experience across all channels Deliver an innovative and tailored value proposition to grow in high-value businesses ■ Simplify and automate products, processes and operations to enhance operational excellence Leverage our scale across One Europe to grow our business and build a common operating model Improve our capital management through better capital allocation and balance sheet mobilization and rotation ROTE' 8.8% ■ Accelerate evolution towards an Agile organization Santander (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 7.5%. 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-espana 20 20

View entire presentation