Santander Financial Overview 2023

Mortgage prepayments also affect deposit base as customers prepaid with savings Total customer funds (€bn) 43.3 43.9 43.2 42.1 41.1 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Santander Group criteria. (1) Includes financial insurance. (2) Mutual funds, pension funds and managed portfolios. Mar-23 Mar-22 YoY (%) QoQ (%) Demand 22.7 24.5 -7.2 -6.2 Time¹ 14.6 14.7 -1.0 2.2 Total deposits 37.3 39.2 -4.9 -3.1 Mutual Funds 3.8 4.1 -7.6 4.5 Total customer funds 41.1 43.3 -5.1 -2.5 11

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