H1'22 Financial Results and PagoNxt Highlights

Santander Business Model & Strategy ... which is resilient throughout the cycle... Resilient profit generation throughout the cycle Group net operating income, € bn 11.4 14.8 17.7 2006 07 Santander 08 80 26.2 25.5 25.6 25.0 23.9 24.4 23.6 23.7 23.6 23.0 22.6 22.8 19.9 09 60 10 11 12 13 14 15 16 17 18 19 20 20 21 20 20

View entire presentation