2023 Highlights Digital Consumer Bank Europe

2023 Highlights Total income (€ mn) Efficiency ratio 7,527 45.0% 17.5% ROTE Underlying attributable profit (€ mn) 2,440 Santander Corporate & Investment Banking 'Santander CIB supports corporate and institutional clients, delivering tailored services and value-added wholesale products suited to their complexity and sophistication' Strategic priorities ■ Our aim is to become a focused world-class CIB business, positioning ourselves as a strategic advisor to our clients: - Double the size of our franchise in the US, focusing on reinforcing our advisory capabilities - Continue the globalization of our Markets business, with focus on institutional investors and the US Accelerate asset rotation to optimize profitability and new business origination - Recent Awards SRP PFI Europe Bank of the Year Best House, Best Distributor and Best Performance Institutional Investor Best Iberian Broker Trade Finance Global Best Trade Finance Bank Leading positions in League Tables Q4'23 Top 3 Structured Finance Debt Capital Markets Equity Capital Markets M&A Export Finance SCIB Green Global Source: Dealogic, Infralogic, Bloomberg Note: new global business definitions as published on 20 December 2023. More information at https://www.santander.com/en/about-us/where-we-are/santander-corporate---investment-banking 22

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