Santander Financial Results

Increase in operating expenses, though 6% decrease in real terms, reflecting the ongoing success of our transformation programme Operating expenses (£ mn) + 589 555 562 574 565 2022 2021 YoY (%) QoQ (%) Operating Expenses 2,289 2,227 2.8 4.3 Branches (#) 449 450 -0.2 0.0 Employees (#) 21,185 20,259 4.6 1.8 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Santander 16

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