2022 Highlights and ESG Progress

Auto and Payments global scale advantages and capabilities are driving profitable growth across our 10 core markets and beyond Auto mobility services: a worldwide leader supported by our global OEM partnerships New loan growth (YoY) New auto DCB +2% #1 in Europe in volumes and Market¹ -4% profitability... Used auto +15% -11% Payments: expanding our merchant and card capabilities through the Group Getnet Merchant acquiring Top 3 in LatAm Scaling up our global platforms... Market share Mexico (# transactions) DCB Efficiency ratio 47% RoA² 20% 18% 14% 2.01% Peers 50% 1.06% Cards 97mn Cards managed globally +4mn YOY ...leveraging 2020 2021 Nov-22 Market position % activity related to partner OEM relationships in Europe YoY changes in constant euros PagoNxt Cards ...with strong +72% growth as we +19% +14% >40% ramp-up business +27% our position to #1 in LatAm grow in the Americas #5 in the US TPV Revenue Turnover Revenue Santander Note: Santander data - FY'22. Peer data - 9M'22 or latest available. Peer group corresponds to the those included in the benchmarking exercise for the variable renumeration calculations for DCB. New auto change in number of new car registrations; used auto change in number of market transactions. PBT/ average outstanding loans (with operational lease). 11

View entire presentation