2023 Highlights Digital Consumer Bank Europe

01. • Customer focus 165 (+5mn) million customers Distribution by market NA 15% E 28% SA 45% DCBE 12% We have grown our customer base over the last seven years, with balanced growth by region and business 100 mn (+0.3mn) Active customers Customer satisfaction Top 3 NPS1 in 7 markets Bo +10% Transactions per active customer 54.2 mn (+5%) Digital customers 56% Digital sales as a % of total sales in 2023 Santander Note: YoY changes Transactions include merchant acquiring, cards and electronic A2A payments. (1) NPS internal benchmark of individual customers' satisfaction audited by Stiga/Deloitte H2'23. 7

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