Santander Financial Results

Customer loans up 4% mainly supported by strong mortgage growth (£35.5bn gross new lending) Total customer loans¹ (£ bn) + 218.2 217.1 215.7 212.4 208.1 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Dec-22 Dec-21 YoY (%) QoQ (%) Individuals² 196.1 185.3 5.9 -0.2 o/w Mortgages³ 186.4 176.2 5.8 0.1 SMES 2.5 3.5 -28.7 -7.5 Corporates 18.5 19.3 -4.0 -2.4 CIB Total customer loans 217.1 208.1 4.3 -0.5 Santander Group criteria. (1) Excludes reverse repos. (2) Includes Private Banking. (3) Mortgages refers to residential retail mortgages only and excludes social housing and commercial mortgage assets. 10

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