Financial Performance Update H1'23

Customer focused strategy with resilient balance sheet KEY DATA H1'23 YoY Var. Strategic Priorities Customer loans¹ £207.7bn -3.7% Customer funds² ₤197.2bn +0.4% Deliver growth through customer loyalty and outstanding customer experience Attributable profit £717mn +15.6% هههه ROTE 13.9% +3.1pp Efficiency ratio 49.4% -1.8pp ▸ Simplify and digitalize the business for improved efficiency and returns Loans market share³ 9.6% -32bps Deposits market share³ 7.6% +2bps Be a responsible and sustainable business Total customers 22.4mn +0.7% Digital customers 7.1mn +4.8% Engage, motivate and develop a talented and diverse team Branches 445 -1.1% 00 Employees 22,163 +9.1% (1) Gross loans excluding reverse repos. Santander (2 (2) Excluding repos. (3) As of Dec-22. Includes mortgages and retail deposits only. Includes London Branch. 7

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