2022 Highlights and ESG Progress

...and our geographic footprint Loans Deposits Contribution (€ bn) (€ bn) to Group's underlying profit Underlying attributable profit Underlying ROTE¹ (€ mn) Group +5% +9% Europe 579 643 3,810 12.5% 33% +3% +9% +38% +3.2 pp North 157 136 2,878 20.5% 25% America +9% +14% -14% -3.6 pp South 152 123 3,658 25.1% 31% America +10% +5% +1% -1.1 pp Digital 125 59 1,308 14.4% DCB Consumer Bank 11% +9% +7% +12% +1.3 pp Santander Note: YoY changes in constant euros. (1) Adjusted ROTES: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 9.3% for Europe, 11.1% for North America, 18.8% for South America and 13.7% for DCB. 16

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