Market Shares and Financial Update

Strategy and business Higher customer funds, aligned with higher household savings. Diversification into off- balance resources Total deposits (EUR bn) +3.5% +0.6% 36.2 36.3 36.0 36.2 35.0 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Santander Mar/21 YoY (%) QoQ (%) Deposits 36.2 +3.5 +0.6 Off Balance Sheet Resources 7.6 +12.5 +4.4 Investment Funds 3.6 +33.5 +10.9 Insurance and other 4.0 -1.5 -0.8 Total Customer Funds 43.8 +5.0 +1.3 11

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