2022 Highlights and ESG Progress

Net fee income supported by cross-border collaboration and growth in loyal customers driving both higher volumes and improved activity Net fee income Net fee income drivers YoY % changes in constant euros Constant € million Trade Private Banking net new money Insurance premiums +7% +13% €11.7bn +24% 11,790 DCB new lending Cards fees 11,045 >>> +10% +9% Pago Nxt fees +60% 2021 2022 Santander • Increase in all regions and DCB Greater transactional activity and high value-added products and services 19

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