Investor Presentaiton

Profit rose 58% YoY underpinned by higher revenue and the efficiency improvement Underlying Attributable Profit (Constant € mn)¹ 64 55 85 56 H1'22 HT21 YoY (%) QoQ (%) 89 PBT 168 85 97.7 52.5 Tax on profit (22) 8 14.2 Consolidated profit 146 93 57.4 59.5 Minority interests 0 (1) -33.3 3.0 Underlying attributable 145 92 58.0 59.7 profit Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Santander (1) Average exchange rate as at 6M'22. Effective tax rate 13.1% -9.1% 22.2pp 20 20

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