H1'23 Highlights

Digital bank with branches: One Transformation delivering results H1'23 data. Changes in constant euros 200-250p 50-75 bps Dan Techies 2005 others Simplification Cost¹ per active customer -2% YOY Process automation # Operational FTEs per mn customers -3% YTD Best-in-class Tech Platform Gravity Deployed in 3 countries 米糰 50bn Transactions YTD Revenue per active customer +11% YOY Transactions per active customer +10% YOY Integration between ODS and Gravity Santander (1) In real terms. 48 44

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