Investor Presentaiton

Q1'21 Highlights Spain "The commitment to and collaboration with our customers demonstrates the full potential of Santander España" 2.7 5.3 Strategic priorities ■■ Continue to develop our distribution, operational and organizational model to reduce costs and accelerate our digital transformation Boost revenue by focusing on developing the corporate segment and improving offer for individuals and customer experience. Also, strengthen our leadership position in Private Banking and CIB Adapt the risk management model and policies, strengthening the recovery management model and mitigating operational risks Optimize capital use, focusing on value-added segments and higher profitability products Branches 2,604 ■ MA Employees 25,470 Loyal customers (mn) Digital Customers (mn) Customer loans (EUR bn) 197 Customer funds (EUR bn) 322 ◉ Underlying attributable profit (EUR mn) 243 Underlying ROTE 6% Santander Note: Customer loans: Gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds More information on https://www.santander.com/en/about-us/where-we-are/santander-espana 18

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