2022 Highlights and ESG Progress

Disciplined capital allocation plus our diversification further strengthen our rock-solid balance sheet Credit quality remained robust 0.99% 3.16% 3.08% 0.77% Improved NPL ratio Delivered on our CoR target (<1%) 2021 2022 2021 2022 High quality funding and conservative liquidity management High quality / stable retail funding Delivered on capital targets (FL CET1 >12% every quarter) 17% Wholesale 152% Regulatory requirement (100%) 83% Retail LCR Deposits 70% 80% 2022 target of 80% RWAs with 11.96% 12.04% ROE>COE achieved Continued growth in FL CET1 Regulatory requirement (9.07%)² 2021 2022 20211 2022 Santander (1) Including acquisition of SC USA minority interest and Amherst Pierpont Securities completed at the beginning of 2022. (2) Regulatory requirement using estimated December 2022 countercyclical buffer. 8

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