2023 Highlights Digital Consumer Bank Europe

02. Scale In-market scale Market shares Our unique combination of in-market scale and global scale network allow us to be among the most profitable banks in our markets North America 4% Auto lending 2% Deposits 7% Deposits 9% Loans Europe Digital Consumer Bank Europe 12% 17% Loans Loans 13% Loans South America 11% 13% Deposits #0000 Deposits 12% 18% Deposits Loans #1 European Consumer Bank 9% 20% 18% Loans Deposits Loans 17% 10% Deposits Deposits 12% Loans 10% Deposits Global scale Five global businesses Retail & Commercial Banking Digital Consumer Bank Corporate & Investment Banking Wealth Management & Insurance Payments Market share data: as at Sep-23 or latest available. Spain includes Santander España + Hub Madrid + SCF España + Openbank and Other Resident sectors in deposits. The UK: includes London Branch. Poland: Santander including SCF business in Poland. The US: retail auto loans includes Santander Consumer USA and Chrysler Capital combined. Deposits market share in the US as of 30/06/2023 considering all states where Santander Bank operates. Brazil: deposits including debenture, LCA (agribusiness notes), LCI (real estate credit notes), financial bills (letras financeiras), COE (certificates of structured operations) and LIG (Letras inmobiliarias Grantidas). 9

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