Santander Financial Overview 2023

Double-digit growth in total income supported by strong NII performance 333 Total income (€ mn) 405 362 320 281 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q1'23 Q1'22 YoY (%) QoQ (%) Net interest income 261 170 53.6 13.0 Net fee income 124 122 1.6 5.0 Customer revenue 385 292 31.9 10.3 Other¹ 20 41 -50.2 53.9 Total income 405 333 21.8 11.8 Santander (1) Other includes Gains (losses) on financial transactions and Other operating income. 15

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