2023 Highlights Digital Consumer Bank Europe

2023 Highlights PagoNxt revenue (€ mn) EBITDA margin Merchants 1,140; +17% YoY 24.8% PagoNxt Payments 'One-of-a-kind paytech business that offers innovative payment solutions' Strategic priorities ■ We are a one-of-a-kind paytech business backed by Santander Helping our customers prosper and accelerate their growth through a one-stop shop, providing solutions beyond payments to merchants and SMEs & corporates ■ Strategic priorities: scaling up our global technology platform, accelerating our commercial growth and pursuing the open market opportunity Total payments volume (€ bn) 206; +22% YoY Business verticals #transactions +29% YoY Getnet PagoNxt Payments Getnet PagoNxt Ebury Global and integrated acquiring, processing and value-added solutions for physical and e-comm merchants Payments Hub, account-to- account payment and processing businesses OneTrade, solutions for the management of international business of corporations and institutions Santander Note: new global business definitions as published on 20 December 2023. Revenue and TPV in constant euros. More information at https://www.santander.com/en/about-us/where-we-are/payments#pagonxt Ebury Global cross-border payments platform for SMEs 24 24

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