Investor Presentaiton

Steady customer growth and commercial strategy reflected in volume increases in all regions, segments and products ... Mn customers and € bn volumes YoY % changes in constant euros Europe Customers Loans Deposits Loan breakdown YoY % changes in constant euros 46.8 590 622 +1% +5% +7% €346bn +7% North 25.7 165 134 America +4% +9% +3% €406bn +6% €289bn +7% 152 SCIB +14% Other Private Bkg LOLODO +13% -1% Cards Non-Auto +12% 77 +7% 254 SMES & Corporates +2% Auto 154 +6% South 67.4 159 130 America +10% +13% +6% Digital 19.5 121 57 DCB Consumer Bank +2% +6% +6% Individual mortgages Consumer & others Group +5% +7% +6% Santander Companies 46 46

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