H1'22 Financial Results and PagoNxt Highlights

H1'22 Summary H1'22 highlights ooÛ Growth YoY percentage changes in constant euros Profitability H1'22 data and YoY percentage change Strength H1'22 data and YoY percentage change Total customers +5% Profit €4,894mn COR 0.83% Digital customers +10% Digital sales/total +4pp Efficiency ratio 45.5% NPL ratio 3.05% Loans +6% ROTE 13.7% FL CET1 12.05% Deposits +5% EPS +38% TNAVps + Cash DPS +9% NII + fees +7% Santander Note: YoY percentage changes in constant euros. In euros: loans: +8%; deposits: +7%; NII + fees +14%. Loans and advances to customers excluding reverse repos. Customer deposits excluding repos. 6

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