H1'22 Financial Results and PagoNxt Highlights

Santander Business Model & Strategy ... and in liabilities ... Customer funds by area Breakdown of total customer funds excluding repos, % of operating areas Jun-22 DCB South America North America 17% 5% O 14% Santander (1) Corporates and institutions. Customer funds by business Breakdown of total customer funds excluding repos, Jun-22 SCIB 12% 1 Corporates 15% SMEs 10% 64% Europe 36% Individuals demand deposits 6% 10% 11% Consumer Individuals mutual Individuals time deposits funds 17

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