2022 Highlights - PagoNxt & Santander UK

01. Customer focus 160 million customers Digital Consumer Bank 12% We have grown our customer base over the last seven years, with balanced growth by region and business Distribution by market, Dec-22 O South America 44% Europe 28% North America 16% Our aim is to further enhance our customers' experience and satisfaction Customer satisfaction Top 3 NPS1 in 8 markets Santander (1) NPS-internal benchmark of individual customers' satisfaction audited by Stiga/Deloitte H2'22. 7

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