Financial and Liquidity Management Summary

Total income accelerated QoQ, reflecting the growth in NII and the effect from the SRF contribution in Q2 Total income (EUR mn) 309 293 332 321 281 3Q21 4Q21 1Q22 2Q22 3Q22 Santander (1) Other includes gains/losses on financial transactions and other operating income. 9M'22 9M'21 YoY (%) QoQ (%) Net interest income Net Fees 548 559 -1.9 +0.8 359 316 +13.6 -1.2 Customer revenue 906 874 +3.7 -0.0 Other 27 151 -82.1 Total income 934 1,026 -9.0 +14.1 15

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