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Investor Presentaiton

UK 'Santander UK creates value by serving customers with tailored financial products and services' 9M'22 Highlights Branches 449 00 Mй Employees 20,818 Strategic priorities ■■ Deliver growth through customer loyalty and outstanding customer experience Total customers (mn) 23.7 2 Digital customers (mn) 7.0 ■ Simplify and digitalize the business to improve efficiency and returns Customer loans (€ bn) 248 ◉ Engage, motivate and develop a talented and diverse team Customer funds (€ bn) 224 Underlying attributable profit (€ mn) A ROTE¹ 1,138 ◉ Be a responsible and sustainable business 16.6% Santander (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 11.3%. Customer loans: gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. More information at https://www.santander.com/en/about-us/where-we-are/santander-uk 21 21
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