Q1'22 Financial Update

Customer focused strategy with resilient balance sheet KEY DATA Q1'22 YoY Var. * Strategic Priorities Customer loans¹ GBP 212.4 bn +2.1% Customer funds² GBP 197.9 bn -1.3% Deliver growth through customer loyalty and outstanding customer experience Underlying att. profit GBP 314 mn +25.9% одо ROTE³ 16.3% Efficiency ratio 52.0% +2.9 pp -729 bps ▸ Simplify and digitalize the business for improved efficiency and returns Loans market share4 9.8% +13 bps Deposits market share4 7.6% -42 bps Be a responsible and sustainable business Total customers 23.5 mn 0.0% Digital customers 6.7 mn +5.5% Engage, motivate and develop a talented and diverse team Branches 450 -20.2% Employees 18,689 -13.4% Santander (1) Gross loans excluding reverse repos. (2) Excluding repos. (3) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 10.9%. (4) As of Dec-21. Includes London Branch. 7

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