Financial Performance Update Q3'22

Customer deposits increased 6% YoY and 1% QoQ, as time deposit growth more than offset the decrease in demand deposits Total customer funds (Constant € bn) 1 123.7 125.6 126.1 126.4 Sep-22 Sep-21 YoY (%) QoQ (%) 122.4 Demand 18.8 19.6 -4.3 -3.4 Time 61.2 56.0 9.2 2.0 Total deposits 79.9 75.6 5.7 0.6 Mutual Funds 46.5 48.1 -3.2 -0.4 Total customer funds 126.4 123.7 2.2 0.3 2 Letras 17.8 12.3 44.9 3.6 Customer funds + Letras 144.2 136.0 6.1 0.7 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Santander Group criteria (1) Excluding repos. End period exchange rate as at Sep-22. (2) Includes real estate credit notes (LCI), agribusiness credit notes (LCA), secured real estate notes (LIG) and financial bills. 12

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