Investor Presentaiton

03. Well balanced profit and volume distribution Diversification Contribution to 9M'22 underlying attributable profit¹ Sep-22 Group's contribution² by primary segments Customer loans Customer funds 32% Our balanced profit 10% and volume diversification remains a source of 12% 57% 5% 63% 15% 17% 32% great strength and stability 26% 16% 15% Europe North America South America Digital Consumer Bank Santander (1) As a % of operating areas, excluding Corporate Centre (2) As a percentage of operating areas. Note: customer loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. 11

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