2022 Highlights - PagoNxt & Santander UK

02. Scale In-market scale in volumes Ranking in lending #51 In-market scale coupled with global network allowed us to be among the most profitable banks in our markets #3 #3 #1 #2 #32 #1 #2 Digital Consumer Bank #1 in Europe #2 Additionally, we are leaders in profitability in 4 out of 10 markets Our global and network businesses (CIB, WM&I, PagoNxt and Auto) represent >30% of Santander's total revenue and >50% of profit Santander Note: considering privately-owned banks. (1) Retail auto originations. (2) Mortgages. 10

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