Investor Presentaiton

Q1'21 Highlights Merchant Solutions Active merchants (k) 1,125; +14% YoY Total payments volume (EUR bn) 22.5 bn; +26% YoY Trade Solutions Ebury active clients (k) One Trade active clients Consumer Solutions - Superdigital in Brazil Active users (k) Transaction volume (EUR mn) Santander >15 PagoNxt "Innovative payments solutions for both Santander and non-Santander clients" 4,119 • 570; +16% YoY • We are a fintech that combines the most disruptive payment businesses Always with our customer at the center, we use world-class technology to deliver an innovative and comprehensive payment service for everyone Because we are all about payments Because we are the next generation One-stop shop providing payment solutions to merchants, SMEs & corporates and consumers Targeting Santander's existing ecosystem and open market Technology-focused to deliver differentiated user experiences Strategic, close partner of Group's local banks 72; +30% YoY Levering on: Scale, Efficiency and Global reach More information on slide 53 and https://www.santander.com/en/about-us/where-we-are/PagoNxt 34

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