2022 Highlights and ESG Progress

Our actions are enabling us to deliver on our customer and digital targets while supporting the transition to a green economy Customer centric Our ESG approach is embedded in all our businesses Do 2022 YOY SCIB Total customers 160mn +7mn Green finance¹ c.€91bn Loyal customers 27mn +8% Consumer businesses Electric vehicles €4.8bn 2022 YOY Digital customers 51mn +8% WM&I Digital transactions 80% +4pp Socially responsible investment AuMs4 €53bn Project finance Renewables² #2 global leader Rest³ €0.3bn Innovative Partnerships: (RED) & Innoenergy Santander Note: 2022 provisional ESG figures. New business in 2022, unless stated otherwise. (1) Cumulative since 2019. Public target of €120bn by 2025 and €220bn by 2030. (2) According to Infralogic Dec-22 (3) Includes bicycles, solar panels, electric chargers, green heating systems, etc. (4) AuMs classified as Article 8 and 9 funds (SFDR) from SAM, plus third-party funds and other ESG products according to EU taxonomy from Private Banking. We apply equivalent ESG criteria to SAM's funds in Latin America. 12

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