Retail Banking Performance Update
GRUPO SANTANDER (EUR mn)
Q1'21
Q2'21
Q3'21
Q4'21
Q1'22 Q2'22 Q3'22
Net interest income
7,956
8,240
8,458
8,716
Net fee income
2,548
2,621 2,641
2,692
2,812
8,855 9,554 10,051 10,159
3,040 3,015 2,923
Change
Q4'22 Q4'22/Q3'22
+1.1%
2021
33,370 38,619
Change
2022 2022/2021
+15.7%
-3.1%
10,502 11,790
+12.3%
Gains (losses) on financial transactions and other
886
444
832
370
638
221
443
443
+0.0%
2,532
1,745
-31.1%
Total revenue
Operating expenses
Net operating income
Net loan-loss provisions
(1,992)
(1,761)
11,390
(5,118) (5,259) (5,401) (5,637) (5,535)
6,272 6,046 6,530 6,141 6,770
(1,463) (2,101)
11,305 11,931 11,778 12,305 12,815 13,509 13,525
(5,900) (6,160) (6,308)
+0.1%
46,404 52,154
+12.4%
+2.4%
(21,415) (23,903)
+11.6%
(2,220)
6,915 7,349 7,217
(2,634) (2,756) (3,018)
-1.8%
+9.5%
24,989 28,251
(7,436) (10,509) +41.3%
+13.1%
Other gains (losses) and provisions
(467)
(470)
(506)
Underlying profit before tax
3,813
3,815
3,804
(850) (498)
3,828 4,171
(537) (747) (710)
3,744 3,846 3,489
-5.0%
(2,293) (2,492)
+8.7%
-9.3%
15,260 15,250
-0.1%
Underlying consolidated profit
2,489
2,481
2,551
2,663 2,869
2,672
2,682
2,541
-5.3%
10,184 10,764
+5.7%
Underlying attributable profit
2,138
2,067
2,174
2,275
2,543
2,351
2,422 2,289
-5.5%
8,654
9,605
+11.0%
Net capital gains and provisions*
Attributable profit
(530)
-
-
(530)
-100.0%
1,608
2,067 2,174
2,275
2,543
2,351
2,422 2,289
-5.5%
8,124
9,605 +18.2%
Santander (*) Including: in Q1'21, restructuring costs
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