Investor Presentaiton

02. Scale Market shares Local scale and leadership based on three regions. Worldwide reach through our global businesses and PagoNxt Santander 4% Auto lending 2% Deposits North America 10% Loans Europe 7% Deposits 18% Loans 12% Loans 13% Loans 12% Deposit 13% Deposits 11% Deposits South America 17% Loans 19% B SCIB 9% Loans 18% Loans 11% 17% Deposits Deposits 10% Loans 10% Deposits Santander Corporate & Investment Banking WM&I Deposits Digital Consumer Bank #1 European Consumer Bank PagoNxt Santander Wealth Management & Insurance PagoNxt Market share data: as at Jun-22 and Argentina, USA, Brazil and Digital Consumer Bank latest available. Spain includes Santander España + Hub Madrid + SCF España + Openbank and Other Resident sectors in deposits. The UK: includes London Branch. Poland: including SCF business in Poland. The US: retail auto loans includes Santander Consumer USA and Chrysler Capital combined. Deposits considering all states where Santander Bank operates. Brazil: deposits including debenture, LCA (agribusiness notes), LCI (real estate credit notes), financial bills (letras financeiras) and COE (certificates of structured operations). 10

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