2022 Earnings Presentation

Loans rose 8% YoY mainly due to SMEs, Corporates and secured loans to individuals Total customer loans (Constant €bn) 1 91.7 92.2 88.4 85.6 85.4 Dec-22 Dec-21 YoY (%) QoQ (%) Individuals² 40.1 37.2 7.8 2.8 o/w Mortgages 10.4 9.8 6.7 1.5 o/w Consumer Credit 13.6 12.9 5.5 2.4 o/w Cards 7.1 7.4 -3.9 5.0 Consumer Finance 10.6 10.3 2.3 -0.1 SMES 10.4 9.8 6.4 2.6 Corporates & Institutions³ 31.0 28.3 9.8 -2.6 Total customer loans 92.2 85.6 7.7 0.5 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Santander Group criteria. (1) Excludes reverse repos. End period exchange rate as at Dec-22. (2) Includes Private Banking. (3) Includes Corporate, Institutions, CIB and other. 10

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