Santander Business Strategy and Financial Inclusion

Results Net fee income increased 15% YoY, supported by the economic recovery and higher customer transactionality Net fees (EUR mn) = 91 113 107 99 97 3Q20 4Q20 1Q21 2Q21 3Q21 Santander Credit Credit cards Mutual funds Insurance Other 9M'21 9M'20 YoY (%) QoQ (%) 52 50 +5.0 -0.8 27 74 27 22 20 67 +10.6 -7.8 22 +22.7 +6.2 84 76 +11.0 +3.0 79 60 60 +30.7 +29.0 Total 316 274 +15.0 +5.7 14

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