Santander Financial Performance

System loan and deposit growth continues to expand Total loans (Constant € bn¹) 252 255 263 269 276 9.3% YOY (%) 4.6% 6.2% -1.9% -5.6% Jun-21 Sep-21 Dec-21 Mar-22 May-22 Total customer funds (Constant € bn¹) System loan growth accelerated +9.3% YoY driven by individuals and corporate loans Positive performance in consumer loans as economic activity recovers (•) 295 305 309 282 283 Total system deposits (+10.4%) continue to expand year-on-year 10.4% 8.0% 5.7% YOY (%) 2.4% 1.7% Total deposits growth driven by demand (+10.8% YoY) and time (+9.4%) deposits Jun-21 Sep-21 Dec-21 Mar-22 May-22 Santander (1) End period exchange rate as of May-22. Source: CNBV Banks as of May-22. 5

View entire presentation