Financial Performance Update Q3'22

Loans rose 10% YoY and 4% QoQ mainly due to individuals, SMEs and Corporates Total customer loans (Constant €bn)1 98.0 Sep-22 Sep-21 YoY (%) QoQ (%) 88.7 91.5 91.3 94.5 Individuals² 41.7 38.0 10.0 2.3 o/w Mortgages 11.0 10.2 7.8 2.1 o/w Consumer Credit 14.2 13.5 5.0 1.4 o/w Cards 7.2 6.9 4.1 -2.0 Consumer Finance 11.3 10.8 4.9 1.8 SMES 10.9 10.0 8.5 2.2 Corporates & Institutions³ 34.1 30.0 13.7 6.7 Total customer loans 98.0 88.7 10.5 3.7 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Santander Group criteria. (1) Excludes reverse repos. End period exchange rate as at Sep-22. (2) Includes Private Banking. (3) Includes Corporate, Institutions, CIB and other. 11

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