Santander Financial Results

Well established UK market position Total customers (mn) Loyal customers (mn) Digital customers (mn) 23.6 -5% +3% +5% 7.0 6.6 4.6 22.4 4.5 Dec-21 Dec-22 Dec-21 Dec-22 Dec-21 Dec-22 Digital sales/total¹: 88% (+3pp YoY) ▸ Total customers fell as we closed out inactive accounts in the quarter ▸ Enhanced digital capability attracted a further >344k digital customers in the year ‣ 76% of our refinanced mortgages were retained online ‣ 92% of current account openings and 99% of credit card openings were made through digital channels Santander (1) FY data. 8 +

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