Santander Financial Results

KEY DATA Customer focused strategy with resilient balance sheet 2022 YoY Var. * Strategic Priorities Customer loans¹ £217.1bn +4.3% Customer funds² £203.1bn +1.7% Underlying att. profit £1,189mn -10.0% Deliver growth through customer loyalty and outstanding customer experience هههه ROTE³ 15.4% -2.6pp Efficiency ratio 49.6% -4.3pp ▸ Simplify and digitalize the business for improved efficiency and returns 4 Loans market share 9.9% +25bps Deposits market share 4 7.5% -25bps Be a responsible and sustainable business Total customers 22.4mn -5.0% Digital customers 7.0mn +5.2% Engage, motivate and develop a talented and diverse team Branches 449 -0.2% Employees 21,185 +4.6% 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 10.7%. (4) As of Sep-22. Includes mortgages and retail deposits only. Includes London Branch. 7

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