Retail Banking Performance Update
Other North America (Constant EUR mn)
Change
Change
Q1'21
Q2'21
Q3'21
Q4'21
Q1'22
Q2'22
Q3'22
Q4'22 Q4'22/Q3'22
2021
2022
2022/2021
Net interest income
0
0
0
0
0
(0)
(0)
0
0
0
-43.5%
Net fee income
7
8
9
10
1
13
17
16
-3.9%
34
47
+40.5%
Gains (losses) on financial transactions and other
(5)
(2)
1
(4)
1
4
6
11
+81.9%
(11)
23
Total revenue
2
5
UT
10
5
2
17
23
28
+21.2%
23
70
+201.4%
Operating expenses
(28)
(32)
(35)
(33)
(30)
(51)
(56)
(59)
+6.5%
(127)
(196) +54.4%
Net operating income
(26)
(26)
(25)
(27)
(28)
(34)
(33)
(32)
-3.8%
(104)
(126)
+21.6%
Net loan-loss provisions
(0)
(0)
0
(0)
0
(1)
(2)
(3)
+39.9%
(0)
(6)
Other gains (losses) and provisions
(0)
(0)
(33)
24
(0)
(1)
(2)
(2)
-36.8%
(10)
(5)
-55.7%
Underlying profit before tax
(26)
(27)
(58)
(4)
(28)
(36)
(37)
(36)
-3.8%
(114)
(137)
+19.6%
Underlying consolidated profit
(25)
(25)
(55)
(3)
(26)
(33)
(34)
(27)
-19.2%
(108)
(120)
+11.5%
Underlying attributable profit
(25)
(25)
(55)
(3)
(26)
(32)
(34)
(27)
-21.5%
(108)
(119) +10.1%
Santander
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