2022 Highlights - PagoNxt & Santander UK

Strong business growth across the board reflected in high profit... Loans (€ bn) Deposits (€ bn) Contribution to Group's underlying profit Underlying attributable profit (€ mn) Underlying ROTE¹ Group +5% +9% 3,810 12.5% Europe 579 643 33% +38% +3% +9% +3.2 pp North 157 136 2,878 20.5% 25% America +9% +14% -14% -3.6 pp South 152 123 3,658 25.1% 31% America +10% +5% +1% -1.1 pp Digital 125 59 1,308 14.4% DCB Consumer Bank 11% +9% +7% +12% +1.3 pp Santander Note: YoY changes in constant euros. (1) Adjusted RoTES: adjusted based on Group's deployed capital calculated as contribution of RWAS at 12%. Using tangible equity, ROTE is 9.3% for Europe, 11.1% for North America, 18.8% for South America and 13.7% for DCB. 49

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