Santander Business Strategy and Financial Inclusion

Results NII continued to be impacted by the spread compression on loans and negative Euribor rates Net interest income (EUR mn) Yields and costs (%) 193 195 192 191 175 Yield on loans 1.57% 1.51% 1.46% 1.40% 1.36% Cost of deposits 0.05% 0.03% 0.02% 0.02% 0.02% Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Differential 3Q20 4Q20 1Q21 2Q21 3Q21 152 bps 148 bps 143 bps 138 bps 134 bps Santander 13

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