2022 Highlights and ESG Progress

PagoNxt Merchant Acquiring: Total Payments Volume rose backed by Brazil (+16%), Europe (+39%) and Mexico (+35%) ⚫ Revenue increased 93% YoY (+72% in constant euros) due to overall increase in business activity and volumes across regions • Cards 97 million cards managed globally Revenue grew 29% YoY (+19% in constant in euros) • High profitability with an ROTE of c.30% Merchant Acquiring Total Payments Volume (TPV) International Trade Cards # Active customers Turnover ONe Trade €165bn +27% >30k Ebury €302bn +14% # transactions +13% PagoNxt quarterly revenue performance Quarterly revenue performance Constant € mn Constant € mn 295 +72% 2022 vs. 2021 972 999 975 1,055 938 806 829 253 232 739 179 159 173 139 78 ill FY'22 target: +50% +19% 2022 vs. 2021 Q1'21 Q2 Q3 Q4 Q1'22 Q2 Q3 Q4 Q1'21 Q2 Q3 Q4 Q1'22 Q2 Q3 Q4 Santander Note: 2022 and YoY changes in constant euros. Cards does not include Digital Consumer Bank or PagoNxt. 48

View entire presentation