Santander Financial Results

Strong NII performance drove double-digit YoY growth in total income Total income (£ mn) 1,195 1,206 1,138 1,080 1,039 2022 2021 YoY (%) QoQ (%) Net interest income 4,256 3,768 13.0 3.2 Net fee income 332 373 -10.8 3.4 Customer revenue Other¹ 4,588 4,140 10.8 3.2 31 (2) Total income 4,619 4,138 11.6 0.9 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Santander (1) Other includes Gains (losses) on financial transactions and Other operating income. 15 +

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