Financial and Liquidity Management Summary

Underlying profit increased 75% QoQ driven by the recovery in total income, combined with flat cost base and low provisioning Attributable Profit (EUR mn) 91 126 155 86 144 3Q21 4Q21 1Q22 2Q22 3Q22 Santander 9M'22 9M'21 YoY (%) QoQ (%) Profit before taxes 558 247 +126.3 +68.0 Taxes and MI -173 -75 +132.4 +69.5 Attributable Profit 385 172 +123.7 +67.3 18

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