Investor Presentaiton

Loans grew 55% YoY driven by auto, SMEs and corporates Total customer loans (Constant € bn) 1 Jun-22 Jun-21 YoY (%) QoQ (%) 6.3 Individuals² 2.8 1.8 48.7 13.9 5.4 o/w Mortgages 0.3 0.2 38.9 14.0 4.8 o/w Cards & Consumer 2.2 1.5 50.3 17.2 4.3 4.1 Credit SMEs 0.7 0.4 72.0 13.5 Corporates & Institutions 1.0 0.5 83.9 16.1 CIB 1.7 1.2 42.9 20.2 Other 0.1 0.1 86.3 90.3 Total customer loans 6.3 4.1 54.9 17.0 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Santander Group criteria. (1) Excludes reverse repos. End period exchange rate as at Jun-22. (2) Includes Private Banking. 11

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