Investor Presentaiton

H1'22 Highlights Poland 'One of the largest and most innovative financial institutions in Poland' Branches 413 ◉ 00 Mй Employees 10,468 ■ Total customers (mn) 5.6 Digital customers (mn) 3.2 Customer loans (€ bn) 31 Strategic priorities ■■ Improve customer satisfaction, remaining at least among the Top 3 in NPS Focus on employee experience in order to attract talents and reinforce inclusive organizational culture Clients and processes digitalization and organizational simplification leveraging One Europe to evolve our business into a more agile, dynamic and profitable model Customer funds (€ bn) 40 Underlying attributable profit (€ mn) 207 Increase profitability through effective net interest income management, higher fee income and cost control ROTE¹ 20.2% Responsible banking: continue to support our customers in the transition to a sustainable economy Santander (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 13.7%. Customer loans: Gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. More information at https://www.santander.com/en/about-us/where-we-are/santander-polska 23

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