2023 Highlights Digital Consumer Bank Europe

CIB Playing to our strengths to better serve our corporate customers and institutions Customer experience Operational leverage Global platform 2025 target Trusted advisor for our customers, leveraging our global and local products Continue growing fee and transactional business through our global centres of expertise and tech Optimize capital returns on the back of origination and global distribution capabilities >20% ROTE 17.5% 2023 <45% C/I Key drivers % customer related revenue Santander +1.7pp 83.5 81.8 Fee growth (constant €bn) 1.9 +14% 2.1 % Total revenue/ RWAS 45.0% 2023 +0.8pp 6.7 5.9 2022 2023 2022 2023 2022 2023 508 58

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