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Investor Presentaiton

Quarterly income statement EUR million Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Net interest income 185 184 178 174 170 171 175 Net fee income 99 110 115 116 122 123 121 Gains (losses) on financial transactions 147 6 (2) (9) 30 14 10 Other operating income (12) (5) 14 11 11 (27) 13 Total income 420 296 305 292 333 281 320 Operating expenses (146) (143) (140) (134) (125) (125) (125) Net operating income 274 153 165 159 207 155 194 Net loan-loss provisions (35) (35) (25) 57 (8) (3) 2 Other gains (losses) and provisions (13) (11) (2) (1) 15 (40) 1 Underlying profit before tax 226 107 138 215 215 112 196 Tax on profit (70) (33) (43) (76) (67) (35) (61) Underlying profit from continuing operations 156 73 95 139 148 78 136 Net profit from discontinued operations - - - Underlying consolidated profit 156 73 95 139 148 78 136 Non-controlling interests (0) (0) (0) (0) (0) (0) (0) Underlying attributable profit to the parent 156 73 95 138 148 77 135 Santander 26
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