H1'22 Financial Results and PagoNxt Highlights

Santander Business Model & Strategy ... with particular strength in time deposits... Customer deposits: +5% YoY €718bn +3% €197bn +13% Demand deposits Time deposits Santander Note: Customer deposits excluding repos. Changes in constant euros. Customer deposits by country € bn and % change YoY in constant € SAN 124 124 DCB 58 米 915 +5 609 +5 151454 +4 +5 +7 303 +12 221 -3 44 +6 37 +6 88 +5 35 +2 77 +4 27 -7 11 +67 18

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