2022 Highlights - PagoNxt & Santander UK

Santander, a leading financial group 2022 Highlights Total assets (€ bn) 1,735 Customer loans (€ bn excluding reverse repos) 1,019 Customer deposits + mutual funds (€ bn; excluding repos) 1,146 Branches 9,019 2022 Net operating income (pre-provision profit) (€ mn) 28,251 Simple Personal Fair 000 2022 Attributable profit (€ mn) 9,605 Market capitalization (€ bn; 30-12-22) 47 People (headcount) Customers (mn) 206,462 160 Shareholders (mn) 3.9 Communities 2019-2022 (mn; financially empowered people) >10 Santander 4

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