2022 Highlights - PagoNxt & Santander UK

Chile 'We are the leading bank in the country and we always have the customer at the centre of our strategy' 2022 Highlights Branches 283 00 M Employees 9,773 Total customers (mn) 3.6 ■ Digital customers (mn) 2.0 Customer loans (€ bn) 45 ■ Strategic priorities ■■ Maintain our leadership position in NPS through the continuous improvement of our service quality Continue to progress in our technological developments in order to improve efficiency Transform the bank into a platform that customers can use as a channel or software provider to develop their businesses (e.g. Workcafé Community, Getnet) Customer funds (€ bn) 38 Continue to consolidate our position in the mass segment through Getnet and Life Underlying attributable profit (€ mn) ROTE' 677 28.7% Continue with our ESG strategy, increasing green finance and financially empowering our customers Santander (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 19.5%. Customer loans: gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. More information at https://www.santander.com/en/about-us/where-we-are/santander-chile 29

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