Financial Performance Update Q3'22
Quarterly income statement
Constant € million¹
Q1'21
Q2'21
Q3'21
Q4'21
Q1'22
Q2'22
Q3'22
Net interest income
2,156
2,245
2,359
2,454
2,303
2,190
2,180
Net fee income
766
818
788
823
798
827
786
Gains (losses) on financial transactions
154
91
139
57
97
244
210
Other operating income
(22)
(17)
(22)
(50)
46
(10)
(1)
Total income
3,055
3,137
3,264
3,283
3,244
3,251
3,175
Operating expenses
(876)
(913)
(980)
(1,021)
(999)
(984)
(1,027)
Net operating income
2,179
2,225
2,284
2,262
2,245
2,268
2,148
Net loan-loss provisions
(665)
(791)
(861)
(863)
(915)
(1,132)
(1,118)
Other gains (losses) and provisions
(116)
(32)
(102)
(120)
(122)
(37)
(20)
Underlying profit before tax
1,397
1,402
1,321
1,279
1,208
1,099
1,010
Tax on profit
(642)
(603)
(583)
(546)
(455)
(308)
(296)
Underlying profit from continuing operations
755
800
738
733
753
791
714
Net profit from discontinued operations
(0)
Underlying consolidated profit
755
800
738
733
753
791
714
Non-controlling interests
(76)
(76)
(83)
(73)
(78)
(78)
(74)
Underlying attributable profit to the parent
679
723
655
660
674
712
640
(1) Average exchange rate as at 9M'22.
Santander
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