Market Shares and Financial Update

Results Net fee income flat YoY, as the decline in transactional fees is offset by higher fees in mutual funds and account fees Net fees (EUR mn) 97 91 87 99 99 97 Q1'21 Q1'20 YoY (%) QoQ (%) Credit 15 27 -43.6 -30.5 Credit cards 22 23 -3.6 -7.8 Mutual funds 8 7 +7.3 +4.6 Insurance 27 27 27 -1.5 +4.9 Other 24 11 +112.0 +25.1 Total 1Q20 2Q20 3Q20 4Q20 1Q21 Santander 97 97 97 -0.0 -2.3 14

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