2022 Highlights - PagoNxt & Santander UK

01. Customer focus 27.5 mn (+8%) Loyal customers We also increased loyalty and helped a new generation of customers with new ways to interact with their finances 25.3 mn (+8%) Individuals Santander 51.5 mn (+8%) Digital customers¹ Tech investments to transform the business ... ... €2 bn/year help customers transact online 2.2 mn (flat) Companies 80% Digital transactions of our core banks 55% Digital sales as a % of total sales Note: data as of Dec-22 and year-on-year changes. (1) Every physical or legal person, that, being part of a commercial bank, has logged in its personal area of internet banking or mobile phone or both in the last 30 days. 49.6 mn Mobile customers 8

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