H1'22 Financial Results and PagoNxt Highlights

Capital AT1 issuances distributed by call date Banco Santander, S.A. AT1 issuances outstanding at Jun-22 Nominal Next call Currency EUR € mn Coupon Structure 1,000 5.25% PNC6 USD 1,149 7.50% PNC5 EUR 1,500 4.75% PNC7 Reset date Spread 29-Sep-23 499.9bps 08-Feb-24 498.9bps 19-Mar-25 409.7bps EUR 1,500 4.38% PNC6 14-Jan-26 453.4bps USD 957 4.75% PNC6 12-May-27 375.3bps EUR 750 4.13% PNC7 12-May-28 431.1bps EUR 1,000 3.63% PNC8 21-Sep-29 376bps Call date 1,500 1,500 1,149 1,000 957 1,000 750 Santander iill 2022 2023 2024 2025 2026 2027 2028 2029 27

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