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Investor Presentaiton

H1'22 Highlights PagoNxt revenue (€ mn) Merchants 398; +87% YoY PagoNxt 'Innovative payments solutions for both Santander and non-Santander clients' We are a one of a kind paytech business backed by Santander. Helping our customers prosper and accelerate their growth through a one-stop shop, providing solutions beyond payments to merchants, SMEs & corporates and consumers Active merchants (mn) 1.27; +5% YoY Total payments volume (€ bn) 74.6; +35% YoY Business lines International Trade Active customers (One Trade & Ebury; k) >25 Santander Merchants Global and integrated acquiring, processing and value-added solutions for physical and e-comm merchants International Trade Specialized cross- border trading solutions for businesses in a global market yet to be fully digitalized Payments Wholesale account to account payment processing and instant connectivity to schemes in multiple geographies Consumers Financial marketplace for the economic inclusion of the underbanked population with focus in Latam Note: revenue and TPV in constant euros. More information on slide 58 (link to Financial report) and at https://www.santander.com/en/about-us/where-we-are/PagoNxt 36
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