Investor Presentaiton

Spain 'The commitment to and collaboration with our customers demonstrates the full potential of Santander España' H1'22 Highlights Branches 1,921 00 MA Employees Total customers (mn) 2 Digital customers (mn) Customer loans (€ bn) 26,272 13.9 5.7 253 ■ Customer funds (€ bn) 377 ■ Strategic priorities ■■ Grow our customer base providing the best customer experience across all channels Deliver an innovative and tailored value proposition to grow in high-value businesses Simplify and automate products, processes and operations to enhance operational excellence Leverage our scale across One Europe to grow our business and build a common operating model Underlying attributable profit (€ mn) 652 ■ Optimize capital allocation through higher asset rotation ROTE' 7.8% ■ Accelerate evolution towards an Agile organization Santander (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 6.6%. Customer loans: gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. More information at https://www.santander.com/en/about-us/where-we-are/santander-espana 20 20

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