Financial Performance Update Q3'22
Income statement
Constant € million¹
Variation
9M'22
9M'21
Amount
%
Net interest income
6,672
6,761
(89)
(1.3)
Net fee income
2,412
2,372
39
1.7
Gains (losses) on financial transactions
551
383
167
43.7
Other operating income
36
(61)
97
Total income
9,671
9,456
214
2.3
Operating expenses
(3,009)
(2,769)
(240)
8.7
Net operating income
6,661
6,687
(26)
(0.4)
Net loan-loss provisions
(3,165)
(2,317)
(848)
36.6
Other gains (losses) and provisions
(180)
(250)
70
(28.1)
Underlying profit before tax
3,316
4,120
(804)
(19.5)
Tax on profit
(1,059)
(1,828)
769
(42.1)
Underlying profit from continuing operations
2,257
2,293
(35)
(1.5)
Net profit from discontinued operations
(0)
(0)
Underlying consolidated profit
2,257
2,293
(36)
(1.6)
Non-controlling interests
(230)
(235)
5
(2.2)
Underlying attributable profit to the parent
2,027
2,057
(30)
(1.5)
(1) Average exchange rate as at 9M'22.
Santander
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