Financial Review Quarter 3 2023

Total income continued to increase supported by strong NII growth. On a quarterly basis revenue was also boosted by SRF contribution recorded in Q2 Total income (EUR mn) 422 408 358 321 577 3Q22 4Q22 1Q23 2Q23 3Q23 Santander (1) Other includes gains/losses on financial transactions and other operating income. 9M'23 9M'22 YoY (%) QoQ (%) Net interest income Net Fees 1,033 548 +88.5 +40.1 346 359 -3.6 +4.6 Customer revenue 1,379 906 +52.1 +31.0 Other 29 27 +6.9 Total income 1,408 934 +50.8 +36.6 14

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