Financial and Liquidity Management Summary

Balance Sheet Santander Totta, SGPS BALANCE SHEET (million euro) Sep-22 Sep-21 Var. Cash, cash balances at central banks and other demand deposits Financial assets held for trading, at fair value through profit or loss, and at fair value 10,176 8,144 +25.0% 8,405 9,977 -15.8% through other comprehensive income Financial assets at amortised cost 41,090 40,526 +1.4% Investments in subsidiaries, joint ventures and associates 109 107 +1.6% Tangible assets 468 574 -18.5% Intangible assets Tax assets 37 35 +4.2% 322 391 -17.6% Non-current assets held for sale 14 50 -71.6% Other assets 734 175 >200% Total Assets 61,355 59,979 +2.3% Financial liabilities held for trading 438 650 -32.6% Other financial liabilities mandatory at fair value through profit or loss 2,861 3,299 -13.3% Financial liabilities at amortised cost 52,635 49,078 +7.2% Resources from Central Banks and Credit Institutions 8,140 7,689 +5.9% Customer deposits 39,314 37,931 +3.6% Debt securities issued 4,676 3,189 +46.6% Other financial liabilities Provisions Technical provisions Tax liabilities Other liabilities 505 269 +87.9% 171 301 -43.3% 642 693 -7.4% 325 376 -13.7% 708 1,051 -32.6% Total Liabilities 57,781 55,449 +4.2% Share capital atributtable to ST SGPS shareholders 3,573 4,529 -21.1% Non controlling interests 1 2 -31.2% Total Shareholders' Equity 3,574 4,531 -21.1% Total Shareholders' Equity and Total Liabilities 61,355 59,979 +2.3% Santander 29 29

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