H1'23 Highlights

03. Diversification Profit Customer loans Customer funds 6% 9% 43% 55% 62% 13% 17% Geographical well-diversified profit 25% and balance sheet 23% 16% 16% 15% Europe North America South America Digital Consumer Bank Santander Note: H1'23 underlying attributable profit by region (% operating areas excluding Corporate Centre). Jun-23 customer loans excluding reverse repos and customer funds includes customer deposits excluding repos + mutual funds (% operating areas). 10

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