2022 Earnings Presentation

Customer-centric strategy backed by a vision suited to each profile Total customers (mn) Loyal customers (mn) 53.4 +12% 60.1 Dec-21 Dec-22 8.0 +9% 8.7 Dec-21 Dec-22 Digital customers (mn) +11% 18.4 Dec-21 20.4 Dec-22 Digital sales/total: 53% (-1 pp YoY) ▸ Integrated sales channels, combined with a personalized offering for each customer profile, allow us to enhance customer experience ▸ 67% of new customer acquisitions were made through digital channels ▸ Mobile customers: +32% YoY ▸ Focus on enhancing customer experience by streamlining offerings and processes Santander (1) FY data. 8

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