Financial Review Quarter 3 2023

Income Statement Santander Totta, SGPS CONSOLIDATED INCOME STATEMENTS* (million euro) Net interest income Sep-23 Sep-22 Var. 1,033.0 547.9 +88.5% Income from equity instruments Results from associates Net fees Other operating results 1.7 3.7 -55.0% 12.6 17.1 -26.3% 345.7 358.6 -3.6% -18.9 -32.8 -42.3% Insurance activity 14.0 8.3 +67.9% Commercial revenue 1,388.0 902.9 +53.7% Gain/losses on financial assets 19.6 30.7 -36.2% Net Income from Banking Activities (1) 1,407.6 933.6 +50.8% Operating costs -387.4 -364.5 +6.3% Staff expenses -209.9 -196.9 +6.6% Other Administrative Expenses -144.3 -133.1 +8.4% Depreciation -33.2 -34.5 -3.7% Net operating Income 1,020.1 569.1 +79.3% Impairment (net) of financial assets at amortised cost -61.3 10.0 Net provisions and other results -44.9 -20.8 +116.1% Income before taxes and non-controlling interests 913.9 558.3 +63.7% Taxes -292.0 -173.1 +68.7% Non-controlling interests -0.2 -0.1 +65.4% Consolidated net income 621.7 385.1 +61.5% (1) Includes the costs with the Resolution and Deposit Guarantee Funds (*) Not audited Santander 30 30

View entire presentation