H1'22 Financial Results and PagoNxt Highlights

Santander Business Model & Strategy ... which continue to grow well across products, segments and countries... Customer loans: +6% YoY Customer loans by country € bn and % change YoY in constant € SAN 152 €391bn +4% 148 €344bn +7% +6 1,015 589 +5 +7 +12 +4 DCB 119 €280bn +6% SCIB 142 +13% Other +20% 26 253 +7 Private Bkg +5% Cards +16% 251 +4 Non-Auto 74 +6% 249 SMES & Corporates 41 +2 31 +0.3% N∞ +8 Auto 149 +4% 112 +5 40 +11 Individual mortgages Consumer Companies & others 91 +9 40 +11 | 6 +55 Santander Note: Loans and advances to customers excluding reverse repos. Changes in constant euros. 16

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