Market Shares and Financial Update

Strategy and business Loan growth continues to be driven by resilient new business, in mortgages and SMEs. Dynamic mortgage origination in Q1'21 Total loans (EUR bn) +5.0% +0.8% 43.0 42.5 42.7 42.1 41.0 Loans at amortised cost (Eur bn) Mar/21 YoY (%) QoQ (%) Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Santander Individuals 23.0 +4.6 +0.9 Mortgage 20.9 +5.5 +1.2 Consumer and other 2.1 -3.7 -2.1 Corporates 16.6 +5.9 +1.3 10

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