H1'22 Financial Results and PagoNxt Highlights

H1'22 Summary Continued organic generation, maintaining the CET1 ratio above 12% Q2 fully-loaded CET1 ratio performance % 12.05 +0.26 +0.03 12.05 -0.08 -0.05 -0.16 Mar-22 Pro forma 1 Gross organic generation Cash dividend accrual Corporate transactions Regulatory Markets Jun-22 3 & models & others 2 Q2'21 Q2'22 Diff. FL CET1 ratio 11.70% 12.05% 35 bps FL Total capital ratio 15.42% 15.95% 53 bps FL Leverage ratio 5.01% 4.67% -34 bps Data published in Q1'22, which included the acquisition of Amherst Pierpont (completed in April 2022). Cash dividend accrual corresponding to 20% of Q2'22 profit. The implementation of the shareholder remuneration policy is subject to future corporate and regulatory decisions and approvals. Santander (3) Including-13bps of HTC&S. 11

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