H1'23 Highlights

H1'23 highlights Strong H1 results with 9 million new customers YoY contributing to a 12% revenue increase Q2 Attributable Profit H1 Attributable Profit €2.7bn €5.2bn +14% vs. Q2'22 +7% YoY ONE TRANSFORMATION driving efficiency improvement and growth in profitability EPS +13% YOY ROTE 14.5% +80bps YoY Strong balance sheet supporting value creation and shareholder remuneration FL CET1 12.2% +0.2 pp YoY TNAVps + DPS +11% YOY Santander Note: in constant euros: H1 Attributable Profit +7% YoY; H1 Revenue +13% YoY; Q2 Attributable Profit +17% vs. Q2'22. TNAVps + DPS includes the last two cash dividends against 2022 results (€5.95 cents and €5.83 cents). 44

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