Investor Presentaiton

Total income accelerated QoQ, reflecting the growth in NII and the effect from the SRF contribution in Q2 Total income (€ mn) 305 292 333 320 9M'22 9M'21 YoY (%) QoQ (%) 281 Net interest income 516 548 -5.8 2.7 Net fee income 366 325 12.7 -1.2 Customer revenue 882 872 1.1 1.1 Other¹ 51 148 -65.6 Total income 933 1,020 -8.6 13.9 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Santander (1) Other includes Gains (losses) on financial transactions and Other operating income. 16

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