Q1 2023 Financial Report

Loans grew following our growth strategy in the corporate segment, SMEs and CIB Total customer loans (Constant € bn) 1 Mar-23 Mar-22 YoY (%) QoQ (%) 30.6 31.1 31.1 30.6 30.8 Individuals² 14.5 15.1 -3.4 -0.9 o/w Mortgages 10.7 11.3 -5.4 -0.1 o/w Consumer credit 3.1 2.9 4.8 2.7 SMES 3.5 3.4 2.1 2.1 Corporates & Institutions 8.2 7.7 6.5 0.8 CIB 4.3 4.1 4.6 7.1 Other 0.2 0.3 -32.1 -32.9 Total customer loans 30.8 30.6 0.5 0.6 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Santander Group criteria. (1) Excludes reverse repos. End period exchange rate as at Mar-23. (2) Includes Private Banking. 10

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