Santander Financial Overview 2023

Stock of loans impacted by higher rates driving customers to prepay their mortgages Total customer loans¹ (€bn) Mar-23 Mar-22 YoY (%) QoQ (%) 40.1 40.6 40.6 40.1 Individuals² 25.2 24.7 1.9 -1.8 39.3 o/w Mortgages 22.5 22.1 2.0 -1.9 SMES 5.9 6.3 -6.1 -2.4 Corporates & Institutions 3.0 3.3 -10.5 -5.4 CIB 2.3 2.4 -2.7 -6.7 Other 2.9 3.4 -14.8 5.9 Total customer loans 39.3 40.1 -2.1 -1.9 Commercial Paper (CP) 3.5 3.8 -7.2 0.8 Customer loans + CP 42.8 43.9 -2.1 -1.9 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Santander Group criteria. (1) Excludes reverse repos. (2) Includes Private Banking. 10

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