H1'23 Highlights

Uruguay 'Santander Uruguay is the country's leading privately-owned bank' H1'23 Highlights (Peru 'Activity focused on corporates, the country's large companies and the Group's global customers (SCIB)' H1'23 Highlights Colombia 'Bank specialized in corporates, CIB and auto finance' H1'23 Highlights Underlying att. profit (€ mn) 84 ROTE 23.4% هههه Underlying att. profit (€ mn) 40 ROTE 23.4% هههه Underlying att. profit (€ mn) 14 ROTE 15.7% Strategic priorities Increase volumes growth, market share and customer activity through a more customer-centric digital model (Soy Santander, F1RST, MiAuto, ...) Strategic priorities Grow our global, corporate and retail customer bases. Focus on expanding and increasing the profitability of our vehicle finance businesses. Strengthen the microfinance business Strategic priorities Focus on profitable products in corporates and SCIB. Consolidate the new and used auto loans position Santander 30

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