Financial Review Quarter 3 2023

Deposit volumes affected by excess liquidity in the system, the deleveraging by households and increased net new money in mutual funds Total Deposits (EUR bn) -9.7% -2.9% Sep-23 Sep-22 YoY (%) QoQ (%) 39.3 38.5 37.3 Deposits 35.5 39.3 -9.7 -2.9 36.6 35.5 Off Balance Sheet Resources 7.7 7.4 +4.2 +0.3 Investment Funds 4.0 3.7 +9.6 +2.5 Insurance and other 3.7 3.7 -1.3 -2.0 Total Customer Funds 43.2 46.7 -7.5 -2.4 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Santander 10

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