Investor Presentaiton

NII grew QoQ reflecting the positive effect of higher interest rates Net interest income (€ mn) Yields and Costs (%) Yield on loans 178 174 175 170 171 1.64% 1.44% 1.41% 1.42% 1.45% Cost of deposits 0.01% 0.01% 0.00% 0.00% 0.06% Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 NII/Average total assets Differential 1.19% 1.16% 1.13% 1.12% 1.14% 143 bps 140 bps 142 bps 145 bps 158 bps Central Bank interest rate 0.00% 0.00% 0.00% 0.00% 1.25% Santander 14

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