Financial and Liquidity Management Summary

Net fee income maintained its positive trajectory driven by resilient growth from transactional fees, reflecting the economic recovery Net fee income (EUR mn) 119 120 119 113 111 Credit Means of Payment Mutual funds Insurance Other 9M'22 9M'21 YoY (%) QoQ (%) 59 52 +13.2 -4.9 80 87 73 +18.7 +3.1 28 27 27 +6.0 -2.2 95 55 84 - +13.6 +0.1 88 89 60 80 +11.6 -3.9 Total net fee income 359 316 +13.6 -1.2 3Q21 4Q21 1Q22 2Q22 3Q22 Santander 14

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