Financial and Liquidity Management Strategy

Strategy and business Growth in the deposit base, in the context of higher savings Total deposits (EUR bn) +3.9% +0.4% 34.9 35.2 35.0 36.2 36.3 Sep-20 YoY (%) QoQ (%) Deposits 36.3 +3.9 +0.4 Off Balance Sheet Resources 7.0 -4.9 +1.4 Investment Funds 3.0 -4.4 +3.4 Insurance and other 4.0 -5.3 -0.0 Total Customer Funds 43.3 +2.4 +0.5 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Santander 11

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