H1'23 Highlights

557 . Glossary - Acronyms ALCO: Assets and Liabilities Committee AM: Asset management • AT1: Additional Tier 1 • . AuMs: Assets under Management • BFG: Deposit Guarantee Fund in Poland • • bn: Billion • • BNPL: Buy now, pay later • • bps: Basis points • c.: Circa GDF: Global Debt Finance • GDP: Gross domestic product GTB: Global Transaction Banking • GWPs: Gross written premiums • HQLA: High quality liquid asset HTC&S: Held to collect and sell IFRS 9: International Financial Reporting Standard 9, regarding financial instruments IPS: Institutional Protection Scheme LCR: Liquidity coverage ratio • • CAL: Customer assets and liabilities • • CET1: Common equity tier 1 LLPS: Loan-loss provisions • LTV: Loan to value • CHF: Swiss franc • • CIB: Corporate & Investment Bank M/LT: Medium-and long-term • mn: million • CoE: Cost of equity • COR: Cost of risk • • • Covid-19: Coronavirus Disease 19 CRE: Commercial Real Estate DCB: Digital Consumer Bank • DGF: Deposit guarantee fund • DPS: Dividend per share eNPS: Employee net promoter score EPS: Earning per share . MREL: Minimum requirement for own funds and eligible liabilities NII: Net interest income • NIM: Net interest margin . NOI: Net operating income • NPL: Non-performing loans NPS: Net promoter score OEM: Original equipment manufacturer • PB: Private Banking • ESG: Environmental, social and governance . PBT: Profit before tax FL: Fully-loaded • P&L: Profit and loss • FX: Foreign exchange • POS: Point of Sale • FY: Full year • pp: Percentage points Santander Ps: Per share QoQ: Quarter-on-Quarter Repos: Repurchase agreements ROA: Return on assets RoE: Return on equity RoRWA: Return on risk-weighted assets ROTE: Return on tangible equity RWA: Risk-weighted assets SAM: Santander Asset Management SAN: Santander SBB: share buybacks SCIB: Santander Corporate & Investment Banking SC USA: Santander Consumer USA SME: Small and Medium Enterprises SRF: Single Resolution Fund ST: Short term T1/T2: Tier 1/Tier 2 TLAC: Total loss absorbing capacity TLTRO: Targeted longer-term refinancing operations TNAV: Tangible net asset value TPV: Total Payments Volume YoY: Year-on-Year YTD: Year to date WM&I: Wealth Management & Insurance

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