Market Shares and Financial Update

Results Total income improvement reflects capital gains from ALCO portfolio sales Total income (EUR mn) 354 318 305 305 421 1Q20 2Q20 3Q20 4Q20 1Q21 Santander (1) Other includes gains/losses on financial transactions and other operating income. Q1'21 Q1'20 YoY (%) QoQ (%) Net interest income Net Fees 192 202 -4.7 -1.1 97 97 -0.0 -2.3 Customer revenue Other 289 299 -3.2 -1.5 132 56 +135.6 >200 Total income 421 354 +18.7 +32.4 15

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