H1'22 Financial Results and PagoNxt Highlights

Liquidity and Funding Santander follows an autonomous capital and liquidity model Capital ratios by country Mar-22, %, local figures (phased-in) US 20.26 18.54 18.23 UK 20.78 18.63 15.47 Portugal 25.00 Brazil 24.56 Poland 14.71 21.88 18.12 Mexico 12.75 16.19 20.21 11.74 16.69 16.19 Santander S.A. 14.89 21.63 Argentina Chile 18.62 Total 19.89 16.83 16.57 T1 17.55 12.92 CET1 17.32 10.43 Santander Note: SCF: Total Capital Ratio: 16.36%; T1: 14.88% and CET 1: 12.91%. 38

View entire presentation