Santander Financial Performance

Customer funds increased YoY boosted by time deposits, mainly reflecting funding strategy and interest rate hikes Total customer funds (Constant € bn) 1 (•) 49.8 49.7 49.4 48.8 48.0 Demand Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Santander Group criteria. (1) Excluding repos. End period exchange rate as at Jun-22. Jun-22 Jun-21 YoY (%) QoQ (%) 25.4 25.1 0.9 -3.3 Time 10.0 9.7 3.8 0.6 Total deposits 35.4 34.8 1.7 -2.2 Mutual Funds 14.0 13.2 6.2 3.5 Total customer funds 49.4 48.0 2.9 -0.7 12

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