2022 Highlights - PagoNxt & Santander UK

We achieved our 2022 and 2019 medium-term Group financial targets 2019 medium-term targets 2022 2022 targets Mid-single digit Revenue +6% growth1 Efficiency ratio 42-45% ~45% 45.8% COR <1% 0.99% ROTE 13-15% >13% 13.4% FL CET1 11-12% ~12% 12.04% ✓ Payout 40-50% 40% 40% Santander Note: our 2022 shareholder remuneration policy is c.40% payout split in approximately equal parts (cash and share buybacks). Implementation of the shareholder remuneration policy is subject to future corporate and regulatory decisions and approvals. (1) In constant euros. 54 54

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