Financial Performance Update H1'23

Net fee income impacted by lower insurance profit share and higher cashback Net fee income (£ mn) H123 H1'22 YoY (%) QoQ (%) 93 Transactional fees 133 136 -2.6 -6.8 82 Account admin. and 80 92 95 -2.7 -1.1 73 73 maintenance Transfers, drafts, cheques (4) (3) 38.7 -46.2 and other orders Other transactional 45 45 0.3 -21.6 Investment and pension 24 26 -9.7 -1.5 funds Insurance 15 24 -39.3 2.4 Other (25) (17) 48.1 -33.9 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Total net fee income 146 170 -14.0 0.6 Santander 米 14

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