Investor Presentaiton

9M'22 Highlights Branches 365 ☐ 00 MA Employees 16,066 Active customers (mn) 19.5 Points of sale (k) >130 ☐ Customer loans (€ bn) 121 60 60 Customer funds (€bn) Underlying attributable profit (€ mn) ROTE¹ Santander Digital Consumer Bank 'Europe's consumer finance leader: solid business model, geographic diversification and leading market shares in auto/mobility finance and in personal finance/e-commerce' ■ Strategic priorities ■■ To become the largest digital consumer bank leveraging SCF's footprint, profiting from Openbank's technology and reinforcing our leadership with strategic alliances Auto: strengthening auto financing leadership by reinforcing mobility solutions with focus on leasing and subscription Consumer (non-auto): gaining market share in consumer lending, with focus on e-commerce checkout lending and buy now, pay later (BNPL) Simplification for efficiency: maintaining high speed digitalization in order to transform the business and improve efficiency ESG: enhancing green finance propositions in both auto and consumer loans (fully electric vehicles, electric chargers, solar panels, e-bikes, etc...) 908 ■ 13.4% (1) Adjusted ROTES: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 12.7%. 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/digital-consumer-bank 32

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