Santander Financial Overview 2023

NII grew strongly reflecting higher interest rates and controlled cost of deposits Net interest income (€ mn) 170 171 175 261 231 Yields and Costs (%) Yield on loans 3.33% 2.37% 1.69% 1.46% 1.48% Cost of deposits 0.01% 0.02% 0.02% 0.04% 0.14% Q1'22 Q2'22 Q1'22 Q2'22 Q3'22 Q3'22 Q4'22 Q4'22 Q1'23 Q1'23 NII/Average earning assets 1.18% 1.17% Central Bank interest rate 0.00% 0.00% Santander Differential 1.20% 1.59% 1.85% 1.4pp 1.5pp 1.7pp 2.3pp 3.2pp 1.25% 2.50% 3.00% 13

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