Financial Review Quarter 3 2023

Ongoing deleveraging at the level of households, but offset by the growth in corporate and institutional loan book Total customer loans (EUR bn) +3.4% +7.1% 44.9 43.5 43.3 42.6 41.9 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Santander Sep-23 Sep-22 YoY (%) QoQ (%) Individuals 24.2 25.3 -4.2 -1.6 Mortgage 22.1 23.1 -4.0 -1.3 Consumer and other 2.0 2.2 -6.8 -4.8 Corporates and Institucionals 20.7 18.2 +13.9 +19.5 9

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