Retail Banking Performance Update

Credit impaired loans and loan-loss allowances. Breakdown by operating areas. December 2022 Credit impaired loans Digital Consumer Bank, 7.6% Other South America, 0.5% Argentina, 0.4% Chile, 7.1% Brazil, 22.8% Santander Mexico, 3.1% US, 13.5% Spain, 28.4% Loan-loss allowances Digital Consumer Bank, 10.2% Other South America, 0.8% Argentina, 0.9% Chile, 5.7% UK, 9.1% Brazil, 26.2% Portugal, 3.7% Poland, 3.8% Other Europe, 0.0% Spain, 20.9% UK, 4.4% Portugal, 4.2% Poland, 4.0% Other Europe, 0.1% Mexico, 4.8% US, 17.6% 19

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