Financial and Liquidity Management Summary

Strong increase in mortgages was partially offset by lower demand from corporates Total customer loans¹ (EUR bn) +1.6% +0.2% Sep-22 YoY (%) QoQ (%) 40.5 40.4 40.8 41.0 41.1 Individuals 25.3 +6.6 +1.5 Mortgage 23.1 +6.7 +1.6 Consumer and other 2.2 +5.5 +1.1 Corporates 15.7 -4.1 -1.8 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Santander (1) Loans and advances at amortised cost 10

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