Retail Banking Performance Update

Poland (PLN mn) Change Change Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q4'22/Q3'22 2021 2022 2022/2021 Net interest income 1,057 1,098 1,112 1,389 1,881 2,261 2,510 2,602 +3.7% 4,657 9,254 +98.7% Net fee income 576 573 606 610 637 605 641 591 -7.7% 2,365 2,474 +4.6% Gains (losses) on financial transactions and other (46) 187 98 121 (160) (172) 109 82 -25.0% 359 (140) Total revenue 1,587 1,857 1,815 2,121 2,359 2,693 3,260 3,275 +0.5% 7,381 11,588 +57.0% Operating expenses (718) (739) (739) (827) (766) (805) (810) (861) +6.3% (3,024) (3,241) +7.2% Net operating income 869 1,118 1,076 1,293 1,593 1,889 2,451 2,415 -1.5% 4,357 8,347 +91.6% Net loan-loss provisions (309) (205) (216) (182) (294) (641) (417) (708) +69.7% (912) (2,060) +125.8% Other gains (losses) and provisions (329) (570) (255) (690) (211) (279) (1,698) (403) -76.3% (1,844) (2,592) +40.6% Underlying profit before tax 231 343 605 421 1,088 968 335 1,304 +289.0% 1,601 3,695 +130.9% Underlying consolidated profit 93 199 444 220 771 662 164 942 +472.8% 956 2,539 +165.5% Underlying attributable profit 70 70 130 298 143 518 442 110 632 +475.7% 640 1,702 +165.9% Santander 33

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