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Investor Presentaiton

Balance sheet EUR million Variation Sep-22 Sep-21 Amount % Loans and advances to customers 39,637 39,168 469 1.2 Cash, central banks and credit institutions 11,188 9,177 2,011 21.9 Debt instruments 7,779 8,752 (973) (11.1) Other financial assets 1,328 1,566 (238) (15.2) Other asset accounts 1,542 1,329 213 16.0 Total assets 61,473 59,992 1,481 2.5 Customer deposits 42,944 41,817 1,127 2.7 Central banks and credit institutions 10,344 9,502 842 8.9 Marketable debt securities 3,335 2,651 683 25.8 Other financial liabilities 444 218 226 103.8 Other liabilities accounts 1,234 1,671 (436) (26.1) Total liabilities 58,302 55,859 2,443 4.4 Total equity 3,172 4,133 (961) (23.3) Other managed customer funds 5,301 5,980 (679) (11.3) Mutual funds 3,693 4,165 (472) (11.3) Pension funds 1,208 1,342 (134) (10.0) Managed portfolios 400 472 (72) (15.3) Santander 24 14
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