Financial and Liquidity Management Strategy

Strategy and business Higher loans, especially to SMEs, supported by the guaranteed credit lines Total loans (EUR bn) +5.4% +1.0% 42.1 42.5 41.0 40.4 40.0 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Santander Sep-20 YoY (%) QoQ (%) Individuals 22.5 +4.0 +1.4 Mortgage 20.4 +4.3 +1.6 Consumer and other 2.1 +1.0 -0.6 Corporates 16.5 +5.1 +0.3 10

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