Retail Banking Performance Update

United Kingdom (GBP mn) Change Change Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q4'22/Q3'22 2021 2022 2022/2021 Net interest income 864 938 989 976 997 1,040 1,092 1,127 +3.2% 3,768 4,256 +13.0% Net fee income 105 101 97 69 77 93 80 82 +3.4% 373 332 -10.8% Gains (losses) on financial transactions and other (8) (5) 18 (6) 6 5 24 (4) (2) 31 Total revenue 960 1,034 1,105 1,039 1,080 1,138 1,195 1,206 +0.9% 4,138 4,619 +11.6% Operating expenses (569) (558) (545) (555) (562) (574) (565) (589) +4.3% (2,227) (2,289) +2.8% Net operating income 391 476 560 485 518 564 631 617 -2.2% 1,911 2,330 +21.9% Net loan-loss provisions (16) 75 (1) 153 (43) (63) (93) (71) -23.8% 211 (269) Other gains (losses) and provisions (27) (54) (33) (160) (55) (84) (76) (226) +199.6% (275) (441) +60.7% Underlying profit before tax 348 497 525 477 420 418 462 320 -30.8% 1,847 1,620 -12.3% Underlying consolidated profit 249 338 380 354 314 306 344 225 -34.6% 1,321 1,189 -10.0% Underlying attributable profit 249 338 380 354 314 306 344 225 -34.6% 1,321 1,189 -10.0% Santander 29

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