Investor Presentaiton

9M'22 Highlights Argentina 'Working towards a more digital and agile model, with customer-centric decisions' Branches 403 00 MA Employees ☐ 8,452 Total customers (mn) 4.4 Strategic priorities ■■ Increase our customer base and loyalty, and ensuring the best customer service through our multi-channel strategy Further develop new businesses Digital customers (mn) 2.8 Customer loans (€ bn) 7 Continue our process of efficiency and simplification through digital transformation Customer funds (€ bn) 15 Underlying attributable profit (€ mn) 234 ROTE' 37.0% ■ Boost profitable growth, optimizing the use of capital and preserving the quality of the portfolio Be agile and collaborative, with challenging goals and clear priorities Santander (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 21.8%. Customer loans: gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. More information at https://www.santander.com/en/about-us/where-we-are/santander-argentina 30

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