H1'23 Highlights

Well-positioned to create shareholder value and sustainable profitability Our profitability was up YoY, supported by customer growth and double-digit increase in revenue H123 14.5% +13% Acceleration of our structural changes to a simpler & more integrated model through ONE TRANSFORMATION is driving efficiency and profitable growth ROTE EPS Strong balance sheet with robust capital and credit quality, contributes to growth and value creation Given these results, we are confident we will reach our 2023 targets and remunerate our shareholders in line with our 50% payout policy +11% TNAVPs + DPS Santander 52

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