Investor Presentaiton

SCIB and WM&I € million and YoY changes in constant euros SCIB SCIB WM&I WM&I Santander Underlying att. profit ROTE 2,364 Payments € million and YoY changes in constant euros 24.8% +36% PagoNxt +6.2pp Revenue Total Payments Volume 655 €117bn +75% +29% Turnover 818 2,971 59.5% €223bn +7% Cards +25% +1.7pp +16% 48 44

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