Santander Financial Performance

Robust net fee income quarterly trend mainly from credit cards, insurance, account management and investment and pension funds Net fee income (Constant € mn)1 () H1'22 H121 YoY (%) QoQ (%) Transactional fees 312 244 27.8 14.8 Payment methods 182 126 44.7 22.9 274 Transfers, drafts, cheques 255 45 42 7.7 2.0 and other orders 229 226 216 Account admin + Packs 67 59 14.0 5.6 plans Other transactional 18 18 2.1 7.0 Investment and pension 63 57 10.3 7.0 funds Insurance 139 122 14.6 13.7 Securitites and custody 16 21 -21.3 -30.7 services Other (2) 12 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Total net fee income 529 455 16.2 7.4 Santander (1) Average exchange rate as at 6M'22. 15

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