H1'22 Financial Results and PagoNxt Highlights

Santander Business Model & Strategy ... resulting in long-term stable and predictable growth Predictable results with the lowest volatility among peers coupled with growth in earnings Quarterly reported EPS volatility1, 1999-Q1'22 650% 321% 115% 101% 93% 82% 80% + ) 0 43% 40% 40% Santander (1) Source: Bloomberg, with GAAP Criteria. Note: Standard deviation of the quarterly EPS starting from the first available data since Jan-99. 12% 21

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