Santander Financial Results

Net fee income impacted by CIB transfer and campaigns to support our customers Net fee income (£ mn) 2022 2021 YoY (%) QoQ (%) Transactional fees 313 328 -4.7 -3.1 93 82 Account admin. and 80 201 215 -6.5 0.7 77 69 maintenance Transfers, drafts, cheques 79 80 -0.6 -17.3 and other orders Other transactional 32 32 33 -2.4 0.0 Investment and pension 49 49 66 -24.9 -4.8 funds Insurance 63 63 49 29.6 25.3 Other (92) (69) 32.0 -9.2 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Total net fee income 332 373 -10.8 3.4 Santander 14

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