2022 Highlights - PagoNxt & Santander UK

Our global businesses continue to drive in-market and Group profitable growth and value CIB: leaders in LatAm and strengthening common value proposition in Europe and the US Our global reach with local expertise generates additional business / revenue opportunities... Cross-border & collaboration revenue ...and supports higher and more predictable growth than peers... YoY changes +32% Revenue +11% €3.4bn +33% YoY 47% of CIB total revenue Efficiency ratio ...with better efficiency SAN 39% and profitability levels Peers 61% Santander WM&I: Top 3 Best Global Private Banking and preferred asset manager and insurance provider in LatAm and Europe Private Banking €51bn +2% YoY cross-border & collaboration AuMs 21% of total PB AuMs peers +34% YoY changes in constant euros +23% PBT +13% peers +24% +13% +1% - 0% -4% PB Revenue AM Revenue Insurance GWPs PBT/RWAS Efficiency ratio¹ PBT/AuMs¹ 3.7% SAN 45% 0.29% 2.4% Peers 69% 0.15% Note: Santander data - FY'22. Peer data - 9M'22 or latest available. Peer group corresponds to the those included in the benchmarking exercise for the variable renumeration calculations for these businesses. (1) Includes Private Banking and Asset Management. 51

View entire presentation