2022 Highlights - PagoNxt & Santander UK

Santander business model 1. Customer focus Deepening the relationships with our customers through a simpler value proposition, superior customer experience and our digital proposition 2. Scale Local scale and global reach 3. Diversification¹ Our geographic and business diversification makes us more resilient under adverse circumstances Our business model is the foundation for generating value for our shareholders Santander (1) 2022 underlying attributable profit by region. Operating areas excluding Corporate Centre. North Europe America 25% 33% 31% 11% Digital South America Consumer Bank 6

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