2022 Highlights and ESG Progress

Looking ahead, we are well positioned to drive profitable growth in 2023 We are confident that our customer focus and consistent track record in increasing profitability will enable us to achieve the following 2023 targets Revenue Efficiency ratio COR FL CET1 ROTE Double-digit growth 44-45% <1.2% >12% >15% Santander Note: targets market dependent. Based on macro assumptions aligned with international economic institutions. 30

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