H1'23 Highlights

Global and Network businesses: revenue growing above Group H1'23 data. Changes YoY in constant euros SCIB WM&I Payments Total revenue Auto Network revenue PB network AuMs # Transactions Auto loans and leases €2.0bn +27% €50bn 17bn €174bn +10% +13% +7% +24% +25% +27% PagoNxt -3% ID Targets (CAGR 22-25) c.10% c.10% c.30% PagoNxt c.7% Santander Note: total transactions include merchant payments, cards and electronic A2A payments. 49 (1) Including fees generated by asset management and insurance ceded to the commercial network. If not included, +44%.

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