Financial and Liquidity Management Summary

NII grew QoQ reflecting the positive effect of higher interest rates Net interest income (EUR mn) Yields and Costs (%) Yield on loans 1.64% 194 1.44% 1.41% 1.42% 1.45% 175 171 176 178 Cost of deposits 0.01% 0.01% 0.00% 0.00% 0.06% Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Differential 3Q21 4Q21 1Q22 2Q22 3Q22 143 bps 140 bps 142 bps 145 bps 158 bps Santander 13

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