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Investor Presentaiton

H1'22 Highlights Branches 1,859 00 MA Employees 43,779 Total customers (mn) 25.3 2 Digital customers (mn) 7.0 Customer loans (€ bn) 152 Customer funds (€ bn) 151 Underlying attributable profit (€ mn) 1,578 A ROTE¹ 23.3% Santander NORTH AMERICA 'We provide a full range of financial services with particular focus on Retail, Private and Corporate Banking' ■ Strategic priorities ■■ Strengthen One Santander in North America by unifying a common and regional approach to forge future growth within the region Boost customer attraction and retention, while broadening our tailored products and services proposition for a more straightforward customer experience Leverage our regional capabilities and sharing best practices to optimize expenses and improve profitability Focus on expanding and implementing sustainable finance opportunities within our businesses (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 12.2%. Customer loans: gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. More information at https://www.santander.com/en/about-us/where-we-are/north-america 24 24
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