H1'23 Highlights

03. Diversification Business diversification among customer segments Corporates, 13% Customer loans Individual mortgages, SMEs, 25% Consumer, 13% 34% Customer funds Mutual funds, 17% Individuals, 48% Other individuals, 15% SCIB, 13% SMEs, Corp & other, 22% Santander Note: data as of Jun-23. Customer loans excluding reverse repos. Customer funds: customer deposits excluding repos + mutual funds. Corporates includes corporates and institutions. 11

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