2022 Highlights - PagoNxt & Santander UK

03. Well balanced profit and volume distribution Diversification Contribution to 2022 underlying attributable profit¹ Dec-22 Group's contribution² by primary segments Customer loans Customer funds 33% Our balanced profit 11% and volume diversification remains a source of 12% 57% 5% 65% 16% 15% 31% great strength and stability 25% 14% 16% Europe North America South America Digital Consumer Bank Santander (1) As a % of operating areas, excluding Corporate Centre (2) As a percentage of operating areas. Note: customer loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. 11

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