Financial Review Quarter 3 2023

NII grew strongly, continuing to reflect higher interest rates and low deposit betas Net interest income (EUR mn) 319 268 235 178 446 Yields and Costs (%) 4.03% Yield on loans 4.63% 3.33% 2.37% 1.69% 0.02% 0.04% 0.14% 0.26% Cost of deposits 0.38% Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Differential 3Q22 4Q22 1Q23 2Q23 3Q23 1.7pp 2.3pp 3.2pp 3.8pp 4.2pp Santander 12

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