Market Shares and Financial Update

Income Statement Santander Santander Totta, SGPS Income Statement* (million euros) Mar-21 Mar-20 Var. Net interest income (without dividends) Dividends from equity instruments 192.5 0.0 202.0 -4.7% 0.0 Net interest income 192.5 202.0 -4.7% Results from Associates Net comissions Other banking income Insurance activity Gain/loss on financial transactions Operating income Total operating expenses Personnel expenses 2.8 2.7 +3.7% 96.5 96.6 -0.0% -19.5 -16.7 +17.2% 4.3 4.0 +7.6% 144.2 65.9 +118.9% 420.8 354.5 +18.7% (143.3) (147.0) -2.5% (80.2) (84.8) -5.4% General expenses (50.4) (49.4) +2.0% Depreciation (12.7) (12.8) -0.6% Net operating income 277.5 207.5 +33.7% Impairment of financial assets at amortised cost (34.0) (19.7) +72.5% Net provisions and other results (220.9) (20.6) >200% Income before taxes and MI 22.5 167.2 -86.5% Taxes Minority interests Consolidated net income 11.7 (48.2) (0.0) (0.0) -49.7% 34.2 118.9 -71.2% 32

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