Santander Business Strategy and Financial Inclusion

Results Total income increased 6% YoY, with customer revenue supported by net fee income growth more than offsetting the interest rate pressure on NII Total income (EUR mn) 318 305 421 9M'21 9M'20 309 YoY (%) QoQ (%) 296 Net interest income 559 592 -5.6 -8.3 Net Fees 316 274 +15.0 +5.7 Customer revenue 874 866 +0.9 -3.3 Other 151 98 +54.9 -204.9 Total income 1,026 964 +6.4 +11.1 3Q20 4Q20 1Q21 2Q21 3Q21 Santander (1) Other includes gains/losses on financial transactions and other operating income. 15

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