H1'22 Financial Results and PagoNxt Highlights

Asset Quality Distribution of credit impaired loans in line with total portfolio. Credit impaired loans DCB, 8.0% Other South America, 1.0% Chile, 6.1% Brazil, 19.0% Mexico, 3.8% Santander US, 10.6% Other Europe, Poland, 0.2% 3.5% UK, 9.1% Portugal, 4.2% Loan-loss allowances Other South America, 1.9% Spain, 34.6% Chile, 5.1% Brazil, 24.3% DCB, 10.7% O Mexico, 4.4% US, 17.8% Spain, 23.6% UK, 4.1% Portugal, 4.3% Poland, 3.6% Other Europe, 0.1% 33

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