Financial Performance Update H1'23

Profit grew supported by higher revenue, efficiency gains and contained cost of risk evolution + Attributable Profit (£ mn) 344 306 225 368 H1'23 H1'22 YoY (%) QoQ (%) 349 PBT 987 838 17.8 6.3 Tax on profit (271) (218) 24.1 8.6 Consolidated profit 717 620 15.6 5.4 Attributable profit 717 620 15.6 5.4 Effective tax rate 27.4% 26.0% 1.4pp Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Santander 19

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