Financial and Liquidity Management Summary

Results Sustained profitability and strong capital position 385 Net Income - Domestic (M€) 159 296 537 429 17.3% CET 1 (full implemented) 13.5% 11.4% 18.7% Market: 15.0% as at Jun/22 12.1% ST Bank # Bank # Bank # Bank # ST Bank # Bank # Bank # Bank # Santander As at Sep/22 25

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