Investor Presentaiton

03. Diversification Business diversification among customer segments (individuals, SMEs, mid-market companies and large corporates) Santander Customer loans by business, Jun-22 SCIB, 14% Corporates, 14% Individual mortgages, 34% Customer funds by business, Jun-22 SCIB, 12% Other individuals, 6% Corporates, 15% SMEs, 10% Consumer, 22% Note: customer loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds.. (1) Corporates and institutions. Individuals demand deposits, 36% Individuals time deposits, 6% SMEs, 10% Individuals mutual Consumer, 10% funds, 11% 12

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