Retail Banking Performance Update
Other Europe (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
71
76
75
61
72
80
77
83
+7.0%
282
312
+10.3%
Net fee income
41
38
39
44
56
69
79
68
-14.9%
163
273
+67.6%
Gains (losses) on financial transactions and other
6
(3)
(1)
(6)
21
9
7
(13)
(4)
25
Total revenue
119
111
113
99
149
158
164
138
-16.1%
441
609
+37.9%
Operating expenses
(101)
(106)
(125)
(118)
(125)
(158)
(179)
(185)
+2.9%
(450)
(646) +43.6%
Net operating income
18
5
(13)
(19)
24
1
(15)
(47)
+205.4%
(9)
(38) +329.9%
Net loan-loss provisions
(3)
(1)
1
21
(1)
(1)
3
(7)
19
(6)
Other gains (losses) and provisions
(2)
1
0
Underlying profit before tax
13
5
(11)
ཝུ་ླ
(24)
(1)
1
(2)
(15)
(25)
(18)
-27.7%
(22)
22
1
(15)
(70)
+374.0%
(15)
(61)
+322.3%
Underlying consolidated profit
7
4
3
(30)
17
(0)
(11)
(49)
+339.5%
(16)
(43)
+176.9%
Underlying attributable profit
10
1
3
(31)
17
1
(13)
(48)
+277.4%
(16)
(42)
+164.2%
Santander
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