2023 Highlights Digital Consumer Bank Europe

Santander, a leading group financial Santander 2023 Highlights Total assets (€ bn) 1,797 Customer loans (€ bn excluding reverse repos) 1,015 Customer deposits + mutual funds (€ bn excluding repos) 1,177 Branches 8,518 2023 Net operating income (pre-provision profit) (€ mn) 32,222 2023 Attributable profit (€ mn) 11,076 Market capitalization (€ bn; 29-12-23) 61 MA People (headcount) Customers (mn) 212,764 165 Shareholders (mn) Financial inclusion starting 2023 (mn people) 3.7 1.8 4

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