Investor Presentaiton

Customer deposits increased 67% YoY, with rises in both demand and time deposits. Strong growth in mutual funds (+94% YoY) Total customer funds (Constant € bn)1 14.8 12.6 10.6 9.9 8.6 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Santander Group criteria. (1) Excluding repos. End period exchange rate as at Jun-22. Jun-22 Jun-21 YoY (%) QoQ (%) Demand 7.4 4.5 64.7 23.8 Time 3.8 2.2 71.2 15.9 Total deposits 11.3 6.8 66.9 21.0 Mutual Funds 3.5 1.8 93.5 8.3 Total customer funds 14.8 8.6 72.6 17.7 12

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