Investor Presentaiton

هههه 9M'22 Highlights Total income (€ mn) Collaboration revenue ROTE Underlying attributable profit (€ mn) 5,597 +34% YoY 24.8% 2,364 SCIB Corporate & Investment Banking 'Santander CIB supports corporate and institutional customers, offering tailored services and value-added wholesale products suited to their complexity and sophistication' Strategic priorities ■ Continue the business transformation to partner with our clients as strategic advisors, strengthening our value-added services, with an increased focus on ESG and Digital solutions ■ In Europe, our aim is to become one of the relevant European CIB players by strengthening our advisory capabilities leveraging a pan-European platform to better serve our global clients' needs ■ In South America, our ambition is to become the top CIB player in most countries and products, consolidating our leadership position evolving from multi-country to pan-regional In the US, our aim is to up-tier our CIB franchise to compete on a level playing field. Focus on the Amherst Pierpont Securities (APS) integration as a step to deliver on our growth aspirations Leaders in League Tables Q3'22 Total income breakdown by business Revenue YoY growth by region Other 4% +16% Global Markets 38% 0 Global Transaction Banking 35% Global Debt Financing 23% Top 3 +33% Structured Finance Green Finance +34% Santander Debt Capital Markets Source: Dealogic, Inframation, Bloomberg More information at https://www.santander.com/en/about-us/where-we-are/santander-corporate---investment-banking Recent Awards Institutional LATINFINANCE GlobalCapital Investor Best Iberian Broker Finance 2022 Project & infrastructure Finance Awards: Bank of the Year - Southern Cone Latin America Derivatives House of the Year 34

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