H1'22 Financial Results and PagoNxt Highlights

Santander Business Model & Strategy Our geographic and business diversification both in assets ... Loans and advances to customers by area Breakdown of total gross loans excluding reverse repos, % of operating areas Jun-22 Loans and advances to customers by business Breakdown of total gross loans excluding reverse repos, Jun-22 South America 15% DCB 12% 1 SCIB 14% Corporates 14% 58% Europe 10% SMEs North America 15% 6% 34% Home mortgages 22% Consumer Other individuals ▸ Total gross loans excluding reverse repos: €1,015bn ►RWAS: €605bn Santander (1) Corporates and institutions. ▸ 86% of loan portfolio is Retail, 14% Wholesale ▸ 65% secured, mostly by real estate collateral 15

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