Investor Presentaiton

Santander, a leading financial group Simple | Personal | Fair Santander 00° H1'22 Highlights Total assets (€ bn) 1,723 Customer loans (€ bn excluding reverse repos) 1,015 Customer deposits + mutual funds (€ bn; excluding repos) 1,099 Branches 9,193 H1'22 Net operating income (pre-provision profit) (€ mn) 13,685 H1'22 Attributable profit (€ mn) 4,894 Market capitalization (€bn; 30-06-22) People (headcount) 45 200,651 Customers (mn) 157 Shareholders (mn) 4.0 Communities 2019-H1'22 (mn; financially empowered people) 9 4

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