2022 Highlights - PagoNxt & Santander UK

Spain 'The commitment to and collaboration with our customers demonstrates the full potential of Santander España' 2022 Highlights Branches 1,913 ☐ 00 MA Employees 26,839 ■ Total customers (mn) 2 Digital customers (mn) Customer loans (€ bn) 14.3 5.9 250 Strategic priorities ■■ Grow our customer base providing the best customer experience across all channels Deliver an innovative and tailored value proposition to grow in high-value businesses Simplify product portfolio and automate processes to enhance operational excellence Customer funds (€ bn) 407 ■ Leverage our scale to grow our business and build a common operating model Underlying attributable profit (€ mn) 1,560 ROTE' 9.2% Continue optimizing our capital management through better capital allocation and balance sheet mobilization Santander (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 7.9%. 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-espana 20 20

View entire presentation