H1'23 Highlights

Well on track to achieve our 2023 financial targets ... Revenue¹ Efficiency ratio COR Santander FL CET1 ROTE ^ ^ ^ ^ ^ FY 2023 targets H123 Double-digit growth +13% 44-45% 44.2% <1.2% 1.08% >12% 12.2% >15% 14.5% Note: targets market dependent. Based on macro assumptions aligned with international economic institutions. (1) YoY change in constant euros. 46

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