Investor Presentaiton

We are executing our strategy to drive greater growth, profitability and strength Growth Profitability YoY percentage changes H1'22 data and YoY percentage change Strength H1'22 data and YoY percentage change Total customers +5% Profit €4,894mn COR 0.83% Digital customers +10% Digital sales/total +4pp Efficiency ratio 45.5% NPL ratio 3.05% Loans¹ +6% ROTE 13.7% FL CET1 12.05% Deposits¹ +5% EPS +38% TNAVps + Cash DPS +9% NII + fees¹ +7% Santander (1) YoY percentage changes in constant euros. In euros: loans: +8%; deposits: +7%; NII + fees +14%. Loans and advances to customers excluding reverse repos. Customer deposits excluding repos. 45

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