H1'23 Highlights

Santander, a leading group financial Santander H1'23 Highlights Total assets (€ bn) 1,780 Customer loans (€ bn excluding reverse repos) 1,022 Customer deposits + mutual funds (€ bn excluding repos) 1,134 Branches 8,823 H1'23 Net operating income (pre-provision profit) (€ mn) 15,755 H1'23 Attributable profit (€ mn) 5,241 Market capitalization (€ bn; 30-06-23) 55 MA People (headcount) Customers (mn) Shareholders (mn) Financial inclusion starting 2023 (mn people) 212,409 164 3.8 0.9 4

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