Investor Presentaiton

Poland 'One of the largest and most innovative financial institutions in Poland' 9M'22 Highlights Branches 407 00 MA Employees 10,502 Total customers (mn) 5.7 ■ Digital customers (mn) 3.2 Customer loans (€ bn) 30 Customer funds (€ bn) 40 Strategic priorities ■■ Improve customer satisfaction, remaining at least among the Top 3 in NPS As part of our simplification, digitalize areas and shorten processes in branches and in aftersales services Focus on omnichannel with the goal of increasing the number of digital customers Underlying attributable profit (€ mn) 229 We are strengthening our brand as a socially responsible bank ROTE¹ 15.1% Santander (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 10.1%. 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-polska 23

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