2022 Highlights - PagoNxt & Santander UK

هههه 2022 Highlights Total revenue (€ mn) Efficiency ratio ROTE Underlying attributable profit (€ mn) 7,395 39.2% 22.0% 2,805 SCIB Corporate & Investment Banking 'Santander CIB supports corporate and institutional customers, offering tailored services and value-added wholesale products suited to their complexity and sophistication' Strategic priorities ■ Our ambition is to become a world class Corporate & Investment Bank, further transforming the business to become strategic advisors to our clients, and accelerating profitable growth - continue client diversification, strengthen advisory and content offering, scale and enhance markets product capabilities, accelerate capital rotation o US: aim to double the size of our franchise, with a focused strategy leveraging our areas of expertise and strengths to grow our business o Europe: ambition to becoming a CIB of reference in the region (top 5-10) across products o Latin America: aim to become the top CIB player in most countries/most products, consolidating our leadership and evolving from multi-country to pan-regional Leaders in League Tables FY'22 +17% Top 3 +35% Structured Finance Green Finance Export Finance Debt Capital Markets +38% GLOBAL FINANCE Outstanding Leadership in Sustainable Infrastructure Finance Awards FY'22 GTR Global Trade Review Best Supply Chain Finance Bank EUROMONEY Best Investment Bank in Spain Total revenue breakdown by business Revenue YoY growth by region Other 4% Global Markets 35% 0 Global Transaction Banking 38% Global Debt Financing 23% Santander Source: Dealogic, Infralogic, Bloomberg. More information at https://www.santander.com/en/about-us/where-we-are/santander-corporate---investment-banking 34

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