Santander Financial Performance

Total income YoY performance underpinned by customer revenue Total income (Constant € mn)1 1,077 1,020 949 973 975 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 H1'22 H121 YoY (%) QoQ (%) Net interest income 1,606 1,470 9.3 5.3 Net fee income 529 455 16.2 7.4 Customer revenue 2,135 1,925 10.9 5.8 Other² (38) (25) 53.0 21.5 Total income 2,096 1,900 10.3 5.6 Santander (1) Average exchange rate as at 6M'22. (2) Other includes Gains (losses) on financial transactions and Other operating income. 16 (•)

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