2022 Highlights - PagoNxt & Santander UK

03. Diversification Business diversification among customer segments (individuals, SMEs, mid-market companies and large corporates) Santander Customer loans by business, Dec-22 SCIB, 14% Corporates 14% Individual mortgages, 34% Customer funds by business, Dec-22 SCIB, 15% Other individuals, 5% Corporates 14% SMEs, 10% Consumer, 23% Note: customer loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. (1) Corporates and institutions. Individuals demand deposits, 34% Individuals time deposits, 7% SMEs, 9% Individuals mutual funds, 11% Consumer, 10% 12

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