Investor Presentaiton

01. Customer focus 26.8 mn (+8%) Loyal customers We also increased loyalty and helped a new generation of customers with new ways to interact with their finances 24.7 mn (+9%) Individuals Santander g 50.5 mn (+8%) Digital customers¹ Tech investments to transform the business ... ... €2 bn/year help customers transact online 2.2 mn (+1%) Companies 80% Digital transactions of our core banks 55% Digital sales 44.8 mn as a % of total sales Mobile customers Note: data as of Sep-22 and year-on-year changes. (1) Every physical or legal person, that, being part of a commercial bank, has logged in its personal area of internet banking or mobile phone or both in the last 30 days. 8

View entire presentation