Investor Presentaiton

The Group's solid customer, volume and profit growth was supported by all our regions and businesses H1'22 vs. H1'21 Total customers Customer loans Customer deposits Net operating income Underlying att. profit ROTE¹ (mn) (€bn) (€bn) (€mn) (€mn) 46.4 589 609 4,417 1,839 12.1% Europe +1% +5% +5% +17% +38% +3.2pp North 25.3 152 124 3,088 1,578 23.3% America +3% +7% +4% -9% -10% -3.0pp South 65.8 148 124 5,780 1,946 27.6% America +11% +12% +5% +7% +7% +1.0pp Digital Digital Consumer Consumer 19.4 119 58 1,325 572 12.8% Bank Bank +4% +7% +3% +16% +1.9pp Santander Note: YoY changes in constant euros. Loans and advances to customers excluding reverse repos. Customer deposits excluding repos. (1) Adjusted RoTES: adjusted based on Group's deployed capital calculated as contribution of RWAS at 12%. Using tangible equity, ROTE is 8.8% for Europe, 12.2% for North America, 20.8% for South America and 12.0% for DCB. 53

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