Investor Presentaiton

01. Customer focus Traditional banking Digital banking Internet, mobiles, Branches, ATMs, retail agents, ... tablets, smartphones, smartwatches,... Traditional customer service and digital technology boost financial access Customer support services: available anytime, anywhere, anyhow Branches: >9,000 The largest branch network in the international banking world1 Collaborative spaces and increased digital capabilities WORK CAFE / SANTANDER Sparsely populated communities O Most vulnerable groups Santander Smart and Ágil branches O Low-income communities O University students Guaranteeing access for all segments Santander Note: data as of Sep-22. (1) Excluding Chinese banks and Sberbank of Russia. ÅT WWW A 9

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