Financial and Liquidity Management Summary

More moderate growth YoY in customer funds driven by a QoQ decrease in deposits, while mutual funds affected by volatile market conditions Total Deposits (EUR bn) +3.6% -2.2% 40.2 39.3 39.3 37.9 38.5 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Santander Sep-22 YoY (%) QoQ (%) Deposits 39.3 +3.6 -2.2 Off Balance Sheet Resources 7.4 -10.3 -2.6 Investment Funds 3.7 -11.3 -2.3 Insurance and other 3.7 -9.2 -2.9 Total Customer Funds 46.7 +1.2 -2.3 11

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