2022 Highlights - PagoNxt & Santander UK

Our strategy execution delivered record results with a 18% increase in attributable profit € Customers +7mn Customer focus and scale drove profitable growth Total revenue +12% Delivered record year in profit, with €2.3bn in Q4 Attributable profit €9.6bn % Increased profitability, shareholder value and returns 8 Santander ROTE 13.4% EPS +23% FL CET1 12.04% Further strengthened our rock-solid balance sheet COR 0.99% Note: FY'22 data or YoY changes in euros. In constant euros: attributable profit +8%, total revenue +6%. 45

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