2022 Highlights and ESG Progress

In-market scale coupled with global network allowed us to be among the most profitable banks in our markets Ranking in lending In-market scale in volumes Santander #51 #3 #1 #3 Qa #2 Digital Consumer Bank #32 #1 in Europe #1 #2 #2 Additionally, we are leaders in profitability in 4 out of 10 markets Our global and network businesses (CIB, WM&I, PagoNxt and Auto) represent >30% of Santander's total revenue and >50% of profit Note: considering privately-owned banks. (1) Retail auto originations. (2) Mortgages. 9

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