Investor Presentaiton

03. Diversification Business diversification among customer segments Customer loans by business, Sep-22 Customer funds by business, Sep-22 Individual mortgages, 33% SCIB, 14% SCIB, 15% (individuals, SMEs, mid-market companies and large corporates) Corporates, 14% Santander 1 Other individuals, Corporates, 14% SMES, 10% Consumer, 22% 6% Note: customer loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds.. (1) Corporates and institutions. Individuals demand deposits, 35% Individuals time deposits, 6% SMEs, 10% Individuals mutual funds, 11% Consumer, 10% 12

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